Equity
-€3,301
Debts exceed assets in financial year 2025.
ReflexIT
Overview
Lifetime
1 annual account with figurespeak -€3,401 (2025)
-€3,401
lowest -€3,401 (2025)
-€3,401
peak -€3,301 (2025)
-€3,301
€3,809
Board1 name since 2025
1 directorCozma Clin
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Loss of €3,401Incorporation 02-041 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsAt the same address
60 companies
Position in the sector
-649.8%
Lower solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
2025 accounts filed 28 days after the deadlineTurnover not published (micro format)
Checked score
52
Fair
Financially stronger than 6% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 0.4%
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.3%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€3,301
Loss of €3,401 (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €508
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 3% of them on solvency, 9% on liquidity and 5% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,322 companies had the same profile as ReflexIT has now. Each dot stands for 4 companies, two years later.
90.2%
were still trading
5.5%
stopped another way
4.2%
went bankrupt
The bankruptcy probability of ReflexIT itself is lower: 0.3% within 12 months. It rests on far more data about ReflexIT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,322 companies, not a prediction for ReflexIT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
28 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
First establishment
Kunstlaan 19, Saint-Josse-ten-Noode
Incorporation
Founding capital of €100, 100 shares · Founder: Cozma Clin · Appointment: Cozma Clin (director) · published on 02-04-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ReflexIT Saint-Josse-ten-Noode | €508 | -€3,401 | -649.8% | - |
| PEEKOOTEK Saint-Josse-ten-Noode | €614 | -€5,467 | -568.8% | - |
| UtopyStudio Woluwe-Saint-Lambert | €626 | -€2,338 | -306.4% | - |
| FLEXALIS Ecaussinnes | €453 | -€2,668 | -519.4% | - |
| SYNAPSE MANAGEMENT GROUP Vilvoorde | €641 | -€4,507 | -393.8% | - |
| Mercuriat Temse | €460 | -€2,055 | 96.7% | - |
| DONGO Antwerp | €464 | -€281 | 100.0% | - |
These companies have the same main activity as ReflexIT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €453 and €641, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 31-03-2025Normal situation
- Registered office
- 61 active companies are registered at this address11 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.372.989.1921210 Saint-Josse-ten-Noode, since 01-04-2025
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on ReflexIT
ReflexIT has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€3,301) and a net result of -€3,401.
Its solvency ranks better than 5% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-08-2026, 28 days late-€3,401
-€3,401
-€3,401
-€3,301
-
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €508 on 31-12-2025What the company ownsHow it is paid for
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
508 | |
29/58 |
508 | |
40/41 |
408 | |
41 |
408 | |
54/58 |
100 | |
| Balance sheet: equity and liabilities | ||
10/49 |
508 | |
10/15 |
-3,301 | |
10/11 |
100 | |
14 |
-3,401 | |
17/49 |
3,809 | |
42/48 |
3,809 | |
44 |
3,809 | |
440/4 |
3,809 | |
| Income statement | ||
9900 |
-3,401 | |
9901 |
-3,401 | |
9903 |
-3,401 | |
9904 |
-3,401 | |
9905 |
-3,401 | |
| Appropriation of the result | ||
9906 |
-3,401 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00492222.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 28-08-2026 | 2026-00492222 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -3,301 |
The ratios are withheld because a balance sheet total of €508 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on ReflexIT
Equity is negative. Debt (€3,809) exceeds the balance-sheet total (€508).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 31-03-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 28-08-2026
Mandates through the years
1 name, the dashed line is todayCozma Clin
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Cozma Clin
- Director (not named in the articles), from 31-03-2025 to date
Control
Capital
- Contribution
- €100
- Shares
- 100
- Contribution per share
- €1
- Equity per share
- -€33.01 in 2025
- Source
- deed of 02-04-2025
Articles of association
deed of 02-04-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director
Founder
At incorporation
deed of 02-04-2025 ↗
- Cozma Clin sole founder · 100% at incorporation
Network & group
No group
ReflexIT has no parent and no holdings in its annual accounts. Cozma Clin is the only director. ReflexIT shares no director with another company.
At the same address
Kunstlaan 19, 1210 Saint-Josse-ten-Noode · 60 other companies| REMY COINTREAU BELGIUM
establishment since 15-04-2012 · founded in 1996 |
25 FTE (2026) 0458.799.508 |
| EGENCIA BELGIUM
establishment since 01-11-1948 · founded in 1948 |
28 FTE (2025) 0403.266.810 |
| Association Belge de l'Eglise de Jésus-Christ des Saints des Derniers Jours
establishment since 01-11-2014 · founded in 1965 · accounts filed late |
4 FTE (2024) 0407.724.454 |
| BA Group
registered office since 19-08-2020 · founded in 2020 |
turnover €3.4m (2025) 0752.751.177 |
| EVENTIME SPACES
registered office since 19-11-2010 · founded in 2010 |
total assets €1.8m (2025) 0831.224.672 |
| L’ART DENTAIRE
establishment since 19-02-2021 · founded in 2021 |
total assets €857,843 (2025) 0763.847.185 |
| EVENTIME ONE
registered office since 20-12-2010 · founded in 2010 |
total assets €749,056 (2025) 0832.181.608 |
| SPOCS
establishment since 01-05-2025 · founded in 2000 |
total assets €428,500 (2025) 0471.488.888 |
| MMJ AND CO
registered office since 14-08-2014 · founded in 2014 |
total assets €347,168 (2025) 0559.834.015 |
| EuroCapital Property
establishment since 20-06-2003 · founded in 2002 · negative equity (2025) |
total assets €335,364 (2025) 0478.734.788 |
Timeline
Timeline
3 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 28 days late
2025
First establishment Kunstlaan 19, Saint-Josse-ten-Noode
IncorporationFounding capital of €100, 100 shares · Founder: Cozma Clin · Appointment: Cozma Clin (director) · published on 02-04-20254 points ▸
- Founder, Cozma Clin
- Founding capital, €100, 100 shares
- Registered office clause, 1210Saint-Josse-ten-Noode, AvenuedesArts19boite2
- Director appointment, Cozma Clin (director (not named in the articles))
- The deed holds 3 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1021.709.710
- VAT number
- BE 1021.709.710
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 31-03-2025
- Financial year
- ends on 31 December
- Peppol
- Not found in the Peppol Directory
- Name
- ReflexIT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-04-2025 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 02-04-2025 (in French)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes activités liées directement ou indirectement,dont la consultance,au développement et à l’exploitation de service et d’activité dans…”deed of 02-04-2025 (in French)
23 activities
- Toutes activités liées directement ou indirectement,dont la consultance,au développement et à l’exploitation de service et d’activité dans les domaines de l’informatique,de l’internet,des télécommunications et des nouvelles technologies,la distribution et la vente de matériel informatique et électronique,le développement et la vente de logiciels ainsi que tous les services et les activités qui y sont liés directement ou indirectement,à savoir notamment mais de manière non limitative :
- Le conseil informatique ;
- La programmation informatique ;
- La gestion d’installation informatique ;
- Le traitement de données,l’hébergement et activités connexes ;
- Les portails internet ;
- Le design graphique ;
- Le développement de logiciels.
- Toutes activités se rapportant directement ou indirectement à l’assistance et au conseil aux entreprises ou toutes organisations,privées ou publiques,dans tous les domaines,notamment le marketing,le digital,la programmation de site web,le management,l’organisation,l’expérience client et notamment :
- L'élaboration et la recherche de stratégie économique,productive,marketing,commerciale ou organisationnelle au niveau européen et international ;
- Le conseil,la formation,l'apport d’expertise technique et l'assistance dans les domaines précités en vue de la mise en œuvre des stratégies définies ci-dessus ;
- La gestion ad interim ;
- La prestation de service de conseil en organisation et gestion d'entreprises actives dans ce ou ces domaines,la représentation et l'intervention en tant qu'intermédiaire commercial ;
- L’achat,la vente,l’importation,l’exportation,la fabrication,la réparation,la maintenance et toutes activités se rapportant aux produits ou services informatiques,électroniques,de télécommunication et d’audio-visuels ainsi que la prestation de services,le conseil et l’expertise spécialement en matière informatique,de télécommunication et d’audiovisuel,en ce compris l’intelligence artificielle et la programmation ;
- La recherche,la conception,le développement,l’engineering,la production,le commerce,la diffusion,le marketing,l’amélioration et la réalisation de tous matériels et concepts dans les domaines de la modélisation,de l’informatique et de la programmation,pour toute particulier,toute industrie ou administration publique ou privée ;
- L’étude,le conseil,la consultation,l’expertise de toutes prestations,services dans le cadre des activités informatique,financière,marketing et publicitaire.
- Toutes activités liées directement ou indirectement à l’enseignement et à la formation sous toutes ses formes et sur tous supports à destination de tout public ainsi que les activités liées directement ou indirectement au conseil et à la gestion de la formation et de l’information à distance ;
- Toutes activités se rapportant à la fourniture de tous services,études,recherches,formalités,audit,gestion,défense et conseils en matière de propriété intellectuelle,brevets,dessins et modèles,marques,droits d’auteur,noms de domaines,noms commerciaux ainsi que tous les autres domaines connexes,soit la création,la publicité et le marketing ;
- L’acquisition,la gestion et l’exploitation de tous droits intellectuels,brevets et licences ;
- L’organisation de salons,expositions et bourses,de foires,d'expositions et de salons professionnels,d’événements au sens large,de congrès,de rencontres scientifiques ou culturelles,de séminaires ;
- Toutes activités de relations publiques et de prospection de clientèles ;
- L’achat,la vente,l’échange et,en général,toutes opérations sur meubles,corporels et incorporels ;
- L’achat,la vente,la gestion,l’exploitation(location,sous-location,constitution de droits d’emphytéose ou de superficie),la construction,la reconstruction,la démolition d’immeubles et en général,toute activité ayant trait à la constitution et à l’exploitation d’un patrimoine immobilier et à la promotion immobilière.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Kunstlaan 19 registered office 1210 Saint-Josse-ten-Noode | 01-04-2025 | 2.372.989.192 |
Buildings and parcels at the address
- Ground area
- 168 m²
- Buildings
- 103 m²
- Volume, LiDAR
- 2,093 m³
- Tallest building
- 23.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21572B0360/00M004 | 168 m² | 1 · 103 m² | 23.5 m · 7 |