reflectonit
Activereflectonit has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €99k. Equity is growing by ~103.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 5.0 against 3.44 in 2024; short-term debt: 19.4% and cash: 63.8% of total assets), and 19.4% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.6%
Return on assets
44.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-02-2026, 85 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
85 d early
2024
68 d early
2023
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▲ 126%
2024 · €79k
2023: €15k
2024: €79k
2023 → 2025
Total assets
€221k▲ 102%
2024 · €110k
2023: €26k
2024: €110k
2023 → 2025
Net result
€99k▲ 54.3%
2024 · €64k
2023: €9k
2024: €64k
2023 → 2025
Working capital
€172k▲ 130%
2024 · €75k
2023: €11k
2024: €75k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€79k▲ 444%€178k▲ 126%
Operating result€11k-€83k▲ 675%€131k▲ 58.1%
Net result€9k-€64k▲ 657%€99k▲ 54.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 58% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€6k▲ 43.0%
Current assets
€215k▲ 104%
Equity and liabilities €221k
Equity
€178k▲ 126%
Debt
€43k▲ 39.8%
The debt ratio falls from 28.0% to 19.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€133k▲
2024 · €84k
Cash flow
€101k▲
2024 · €66k
Solvency
80.6%▲
2024 · 72.0%
Current ratio
5.00▲
2024 · 3.44
Quick ratio
5.00▲
2024 · 3.44
Debt / equity
0.24▼
2024 · 0.39
ROE
55.7%▼
2024 · 81.6%
ROA
44.9%▼
2024 · 58.7%
Interest coverage
53.57▲
2024 · 51.58
Debt
€43k▲
2024 · €31k
Debt ≤ 1 year
€43k▲
2024 · €31k
Income taxes
€29k▲
2024 · €17k
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€110k€221k▲
Fixed assets21/28€4k€6k▲
Tangible fixed assets22/27€4k€6k▲
Plant, machinery and equipment23€2k€3k▲
Other tangible fixed assets26€2k€3k▲
Current assets29/58€105k€215k▲
Amounts receivable within one year40/41€23k€32k▲
Trade receivables40€23k€26k▲
Other amounts receivable41-€7k
Current investments50/53-€40k
Cash at bank and in hand54/58€82k€141k▲
Deferred charges and accrued income490/1€479€1k▲
Equity and liabilities
Total equity and liabilities10/49€110k€221k▲
Equity10/15€79k€178k▲
Contributions10/11€6k€6k=
Reserves13€73k€172k▲
Distributable reserves133€73k€172k▲
Amounts payable17/49€31k€43k▲
Amounts payable within one year42/48€31k€43k▲
Trade debts44€605€2k▲
Suppliers440/4€605€2k▲
Taxes, remuneration and social security45€27k€41k▲
Taxes450/3€27k€41k▲
Other amounts payable47/48€3k€0▼
Accrued charges and deferred income492/3€120€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€25€671▲
Gross operating margin9900€84k€134k▲
Operating profit (loss)9901€83k€131k▲
Financial income75/76B€4€204▲
Recurring financial income75€4€204▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€81k€129k▲
Income taxes67/77€17k€29k▲
Profit (loss) for the period9904€64k€99k▲
Profit (loss) for the period to be appropriated9905€64k€99k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€99k▲
Transfer to equity691/2€64k€99k▲
To other reserves6921€64k€99k▲
The notes to these accounts (7 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
04-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €99k ▲54.3%
Operating result €131k, net result €99k, both a record.
30-09
Financial
Equity above €150kEq €178k ▲126%
3 profitable years in a row build equity to €178k.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tremelo · 1 establishment unit since 2023
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.
Honsdonkstraat 18A3120 TremeloGround area
1,200 m²
Building footprint
114 m²
Parcel 24109B0030/00A003, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
reflectonit
since 20232.342.069.948
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109B0030/00A003 | Flanders | 1,200 m² | 1 · 114 m² | 0.1 m |
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
2024 · 1 entry · 128 EUR awarded · 128 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 128 EUR | 128 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,575 companies in sector 82300 we hold annual accounts for 1,669. 1,255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2023
Fiscal year end30-09
Activities, NACEBEL
82300Organisation of conventions and trade shows
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.