RheumaFinder
ActiveSummary
The annual accounts of RheumaFinder for fiscal year 2025 show a net loss of 52% of the equity at the start of that year. The 2025 annual accounts show equity of €364k and a net result of €-284k. Its solvency ranks better than 33% of 17043 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-15
Solvency64▼-36
Growth32
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.72 against 6.2 in 2024; short-term debt: 8.9% and cash: 18.8% of total assets), but 61.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-284k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€364k▼ 33.6%
2024 · €548k
2024: €548k
2024 → 2025
Total assets
€939k▲ 51.1%
2024 · €622k
2024: €622k
2024 → 2025
Net result
€-284k▼ 1,619%
2024 · €-17k
2024: €-17k
2024 → 2025
Working capital
€144k▼ 13.6%
2024 · €167k
2024: €167k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€548k-€364k▼ 33.6%
Operating result€-30k-€-273k▼ 804%
Net result€-17k-€-284k▼ 1,619%
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 €273k in 2025 against €30k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €939k
Fixed assets
€711k ▲ 68.4%
Current assets
€228k ▲ 14.5%
Equity and liabilities €939k
Equity
€364k ▼ 33.6%
Debt
€575k ▲ 686%
Debt's share of the balance-sheet total rises from 11.8% to 61.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-186k▼
2024 · €-27k
Cash flow
€-197k▼
2024 · €-13k
Current ratio
2.72▼
2024 · 6.20
Debt to equity
1.58▲
2024 · 0.13
ROE
-78.1%▼
2024 · -3.0%
ROA
-30.3%▼
2024 · -2.7%
Interest coverage
-8.83▲
2024 · -192.01
Debt ≤ 1 year
€84k▲
2024 · €32k
Debt > 1 year
€391k▲
2024 · €41k
Income taxes
€-9k▲
2024 · €-14k
Staff costs
€258k▲
2024 · €66k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€622k€939k▲
Fixed assets21/28€422k€711k▲
Intangible fixed assets21€422k€709k▲
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€199k€228k▲
Amounts receivable within one year40/41€44k€50k▲
Other amounts receivable41€44k€50k▲
Cash at bank and in hand54/58€154k€177k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€622k€939k▲
Equity10/15€548k€364k▼
Contributions10/11€565k€665k▲
Profit (loss) carried forward14€-17k€-301k▼
Amounts payable17/49€73k€575k▲
Amounts payable after more than one year17€41k€391k▲
Financial debts170/4€25k€375k▲
Other amounts payable178/9€16k€16k=
Amounts payable within one year42/48€32k€84k▲
Financial debts43€92€211▲
Credit institutions430/8€92€211▲
Trade debts44€18k€33k▲
Suppliers440/4€18k€33k▲
Taxes, remuneration and social security45€12k€49k▲
Taxes450/3€2k€6k▲
Remuneration and social security454/9€10k€43k▲
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3-€100k
Income statement
Code20242025
Remuneration, social security and pensions62€66k€258k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€88k▲
Other operating charges640/8€772€544▼
Gross operating margin9900€40k€73k▲
Operating profit (loss)9901€-30k€-273k▼
Financial income75/76B€175€955▲
Recurring financial income75€175€955▲
Financial charges65/66B€139€21k▲
Recurring financial charges65€139€21k▲
Profit (loss) for the period before taxes9903€-30k€-294k▼
Income taxes67/77€-14k€-9k▲
Profit (loss) for the period9904€-17k€-284k▼
Profit (loss) for the period to be appropriated9905€-17k€-284k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-301k▼
Profit (loss) brought forward from the previous period14P-€-17k
The notes to these accounts (17 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Gent · 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.
Vlasgaardstraat 529000 GentGround area
2,156 m²
Building footprint
95 m²
Volume, LiDAR
1,066 m³
Parcel 44816K0663/00F002, Flanders · tallest building 11.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
RheumaFinder
since 20232.345.692.701
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44816K0663/00F002 | Flanders | 2,156 m² | 1 · 95 m² | 11.8 m · 4 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 · 8 entries · 502,698 EUR awarded · 375,200 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 38,700 EUR | 183,700 EUR |
| 2024 | 3 | 10,500 EUR | 191,500 EUR |
| 2023 | 1 | 453,498 EUR | 0 EUR |
Schemes
Ontwikkelingsproject
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 5,940 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
72109Other research and development on natural sciences
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.