REDITECH
ActiveREDITECH has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €395k and a net result of €-54k. Equity is shrinking by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency67=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days only on tighter terms
Liquidity short (current ratio 0.52 against 0.37 in 2024), and 30.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€54k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
6 d early
2023
20 d early
2022
7 d early
2021
5 d early
2020
5 d early
2019
49 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€395k▼ 11.9%
2024 · €449k
2018: €775k
2019: €779k
2020: €724k
2021: €609k
2022: €608k
2023: €635k
2024: €449k
2018 → 2025
Total assets
€569k▼ 11.3%
2024 · €641k
2018: €915k
2019: €882k
2020: €771k
2021: €729k
2022: €666k
2023: €735k
2024: €641k
2018 → 2025
Net result
€-54k▲ 61.0%
2024 · €-137k
2018: €9k
2019: €44k
2020: €-31k
2021: €-25k
2022: €24k
2023: €28k
2024: €-137k
2018 → 2025
Working capital
€-73k▲ 25.7%
2024 · €-98k
2018: €12k
2019: €80k
2020: €56k
2021: €-25k
2022: €26k
2023: €94k
2024: €-98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€609k-€608k▼ 0.1%€635k▲ 4.5%€449k▼ 29.4%€395k▼ 11.9%
Operating result€-23k-€30k€37k▲ 23.2%€-126k€-25k▲ 80.0%
Net result€-25k-€24k€28k▲ 13.4%€-137k€-54k▲ 61.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €126k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €569k
Fixed assets
€490k▼ 16.1%
Current assets
€78k▲ 37.4%
Equity and liabilities €569k
Equity
€395k▼ 11.9%
Provisions
€7k▼ 14.0%
Debt
€167k▼ 9.7%
The debt ratio rises from 28.8% to 29.4%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€34k▲
2024 · €-58k
Cash flow
€5k▲
2024 · €-69k
Solvency
69.5%▼
2024 · 70.0%
Current ratio
0.52▲
2024 · 0.37
Quick ratio
0.52▲
2024 · 0.37
Debt / equity
0.42▲
2024 · 0.41
ROE
-13.6%▲
2024 · -30.6%
ROA
-9.4%▲
2024 · -21.4%
Interest coverage
2.89▲
2024 · -5.00
Debt
€167k▼
2024 · €185k
Debt ≤ 1 year
€151k▼
2024 · €155k
Debt > 1 year
€13k▼
2024 · €26k
Income taxes
€198▼
2024 · €282
Staff costs
€17k▼
2024 · €51k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€641k€569k▼
Fixed assets21/28€584k€490k▼
Tangible fixed assets22/27€569k€490k▼
Land and buildings22€463k€421k▼
Plant, machinery and equipment23€51k€43k▼
Furniture and vehicles24€56k€26k▼
Financial fixed assets28€15k-
Current assets29/58€57k€78k▲
Amounts receivable within one year40/41€44k€64k▲
Trade receivables40€43k€54k▲
Other amounts receivable41€2k€10k▲
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€641k€569k▼
Equity10/15€449k€395k▼
Contributions10/11€19k€19k=
Reserves13€428k€376k▼
Tax-exempt reserves132€88k€82k▼
Distributable reserves133€340k€294k▼
Profit (loss) carried forward14€2k€364▼
Provisions and deferred taxes16€8k€7k▼
Deferred taxes168€8k€7k▼
Amounts payable17/49€185k€167k▼
Amounts payable after more than one year17€26k€13k▼
Financial debts170/4€26k€13k▼
Amounts payable within one year42/48€155k€151k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Financial debts43€20k€110k▲
Credit institutions430/8€20k€110k▲
Trade debts44€29k€9k▼
Suppliers440/4€29k€9k▼
Taxes, remuneration and social security45€44k€19k▼
Taxes450/3€40k€19k▼
Remuneration and social security454/9€4k-
Other amounts payable47/48€50k-
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€51k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€59k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€156€58k▲
Operating profit (loss)9901€-126k€-25k▲
Financial charges65/66B€12k€29k▲
Recurring financial charges65€12k€12k▼
Non-recurring financial charges66B-€18k
Profit (loss) for the period before taxes9903€-138k€-54k▲
Transfer from deferred taxes780€1k€1k▼
Income taxes67/77€282€198▼
Profit (loss) for the period9904€-137k€-54k▲
Transfer from tax-exempt reserves789€6k€6k▲
Profit (loss) for the period to be appropriated9905€-131k€-47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-118k€-46k▲
Profit (loss) brought forward from the previous period14P€13k€2k▼
Transfer from equity791/2€170k€46k▼
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-137k ▼598%
Net result drops to €-137k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.41
Current ratio from 1.58 to 3.41; short-term debt falls from €44k to €39k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.58
Current ratio from 0.76 to 1.58; short-term debt falls from €107k to €44k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-12
Financial
Highest result since 2018net €44k ▲371%
Operating result €54k, net result €44k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 1998
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Frans Boelplein 159140 TemseGround area
2,352 m²
Building footprint
906 m²
Volume, LiDAR
11,587 m³
Parcel 46025B1190/00W005, Flanders · tallest building 15.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
REDITECH
since 19982.070.260.607
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B1190/00W005 | Flanders | 2,352 m² | 1 · 906 m² | 15.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,200 EUR awarded · 1,200 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 357 EUR | 357 EUR |
| 2024 | 1 | 327 EUR | 327 EUR |
| 2023 | 1 | 516 EUR | 516 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
3 categoriesREDITECH BV43235
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AMETIS
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S.O.F. EXPERT
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MENTIS
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Salesnote
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Zulte · Eq €396k
Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 5,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-1995
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
47400Retail sale of information and communication equipment
47410Retail trade
52487
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.