RISKOVER
ActiveSummary
RISKOVER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204,721 and a net result of €18,612. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+6
Solvency100▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 4.3 against 3.92 in 2024; short-term debt: 23.3% and cash: 44.6% of total assets), and 23.3% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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
76.7%
Return on assets
7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
9 d late
2024
9 d late
2023
13 d late
2022
9 d late
2021
11 d late
2020
19 d late
2019
79 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€18,612▲ 314%
2024 · €4,491
Working capital
€204,721▼ 3.8%
2024 · €212,893
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€26,275▲ 64.4%€48,378▲ 84.1%€20,451▼ 57.7%€10,375▼ 49.3%€30,752▲ 196%
Net result€25,510within the sector's middle half▲ 62.3%€41,158within the sector's middle half▲ 61.3%€15,245within the sector's middle half▼ 63.0%€4,491below the sector's middle half▼ 70.5%€18,612within the sector's middle half▲ 314%
Equity€118,479within the sector's middle half▲ 27.4%€159,637within the sector's middle half▲ 34.7%€181,619above the sector's middle half▲ 13.8%€186,110above the sector's middle half▲ 2.5%€204,721above the sector's middle half▲ 10.0%
Total assets€380,305above the sector's middle half▲ 57.2%€267,977within the sector's middle half▼ 29.5%€298,433above the sector's middle half▲ 11.4%€285,849above the sector's middle half▼ 4.2%€266,830within the sector's middle half▼ 6.7%
Debt€261,826▲ 159%€108,340▼ 58.6%€116,814▲ 7.8%€99,740▼ 14.6%€62,109▼ 37.7%
Working capital€117,769▼ 15.9%€159,133▲ 35.1%€181,064▲ 13.8%€212,893▲ 17.6%€204,721▼ 3.8%
Solvency31.2%below the sector's middle half▼ 7.3pp59.6%within the sector's middle half▲ 28.4pp60.9%within the sector's middle half▲ 1.3pp65.1%within the sector's middle half▲ 4.3pp76.7%within the sector's middle half▲ 11.6pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 196% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €266,830
Equity
€204,721 ▲ 10.0%
Debt
€62,109 ▼ 37.7%
Debt's share of the balance-sheet total falls from 34.9% to 23.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30,844▲
2024 · €10,581
Cash flow
€18,703▲
2024 · €4,697
Current ratio
4.30▲
2024 · 3.92
Debt to equity
0.30▼
2024 · 0.54
ROE
9.1%▲
2024 · 2.4%
ROA
7.0%▲
2024 · 1.6%
Interest coverage
58.71▲
2024 · 20.27
Debt ≤ 1 year
€62,109▼
2024 · €72,865
Income taxes
€11,622▲
2024 · €5,459
Staff costs
-€2,639▼
2024 · €20,271
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €268 | - |
| Remuneration, social security and pensions62 | - | - | €13,478 | €20,271 | -€2,639 | ▼ 113% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €206 | €206 | €206 | €206 | €92 | ▼ 55.5% |
| Other operating charges640/8 | €665 | - | €125 | - | €509 | - |
| Non-recurring operating charges66A | - | - | - | - | €37,699 | - |
| Gross operating margin9900 | €27,146 | €48,584 | €34,260 | €30,852 | €66,413 | ▲ 115% |
| Operating profit (loss)9901 | €26,275 | €48,378 | €20,451 | €10,375 | €30,752 | ▲ 196% |
| Financial income75/76B | - | - | €64 | €97 | €7 | ▼ 93.1% |
| Recurring financial income75 | - | - | €64 | €97 | €7 | ▼ 93.1% |
| Financial charges65/66B | €416 | €483 | €367 | €522 | €525 | ▲ 0.6% |
| Recurring financial charges65 | €416 | €483 | €367 | €522 | €525 | ▲ 0.6% |
| Profit (loss) for the period before taxes9903 | €25,859 | €47,895 | €20,148 | €9,951 | €30,233 | ▲ 204% |
| Income taxes67/77 | €349 | €6,737 | €4,904 | €5,459 | €11,622 | ▲ 113% |
| Profit (loss) for the period9904 | €25,510 | €41,158 | €15,245 | €4,491 | €18,612 | ▲ 314% |
| Profit (loss) for the period to be appropriated9905 | €25,510 | €41,158 | €15,245 | €4,491 | €18,612 | ▲ 314% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €380,305 | €267,977 | €298,433 | €285,849 | €266,830 | ▼ 6.7% |
| Fixed assets21/28 | €710 | €504 | €555 | €92 | - | - |
| Tangible fixed assets22/27 | €710 | €504 | €298 | €92 | - | - |
| Plant, machinery and equipment23 | €710 | €504 | €298 | €92 | - | - |
| Financial fixed assets28 | - | - | €257 | - | - | - |
| Current assets29/58 | €379,596 | €267,473 | €297,878 | €285,758 | €266,830 | ▼ 6.6% |
| Amounts receivable within one year40/41 | €205,486 | €127,176 | €136,700 | €229,437 | €147,711 | ▼ 35.6% |
| Trade receivables40 | €194,225 | €126,723 | €122,425 | €156,098 | €55,061 | ▼ 64.7% |
| Other amounts receivable41 | €11,262 | €454 | €14,275 | €73,339 | €92,649 | ▲ 26.3% |
| Cash at bank and in hand54/58 | €174,109 | €140,220 | €161,097 | €56,320 | €119,027 | ▲ 111% |
| Deferred charges and accrued income490/1 | - | €76 | €82 | - | €92 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €380,305 | €267,977 | €298,433 | €285,849 | €266,830 | ▼ 6.7% |
| Equity10/15 | €118,479 | €159,637 | €181,619 | €186,110 | €204,721 | ▲ 10.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | - | €41,158 | - | - | €18,612 | - |
| Distributable reserves133 | - | €41,158 | - | - | €18,612 | - |
| Profit (loss) carried forward14 | €99,879 | €99,879 | €163,019 | €167,510 | €167,510 | = |
| Amounts payable17/49 | €261,826 | €108,340 | €116,814 | €99,740 | €62,109 | ▼ 37.7% |
| Amounts payable within one year42/48 | €261,826 | €108,340 | €116,814 | €72,865 | €62,109 | ▼ 14.8% |
| Trade debts44 | €206,613 | €90,139 | €111,186 | €50,889 | €35,604 | ▼ 30.0% |
| Suppliers440/4 | €206,613 | €90,139 | €111,186 | €50,889 | €35,604 | ▼ 30.0% |
| Taxes, remuneration and social security45 | €3,362 | €6,737 | €5,628 | €21,976 | €26,505 | ▲ 20.6% |
| Taxes450/3 | - | €6,737 | €4,904 | €19,459 | €26,505 | ▲ 36.2% |
| Remuneration and social security454/9 | €3,362 | - | €725 | €2,517 | - | - |
| Other amounts payable47/48 | €51,852 | €11,464 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €26,875 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,510 | €41,158 | €15,245 | €4,491 | €18,612 | ▲ 314% |
| + Depreciation and write-downs630 | €206 | €206 | €206 | €206 | €92 | ▼ 55.5% |
| Operating cash flow (approximation) | €25,716 | €41,364 | €15,451 | €4,697 | €18,703 | ▲ 298% |
| Investment in fixed assets (approximation) | - | €0 | -€257 | €257 | - | - |
| Change in cash | - | -€33,889 | €20,876 | -€104,776 | €62,707 | ▲ 160% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Equity above €200,000Eq €204,721 ▲10%
7 profitable years in a row build equity to €204,721.
09-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 9 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Highest result since 2018net €41,158 ▲61.3%
Operating result €48,378, net result €41,158, both a record.
31-12
Financial
Equity above €150,000Eq €159,637 ▲34.7%
4 profitable years in a row build equity to €159,637.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Equity above €100,000Eq €118,479 ▲27.4%
3 profitable years in a row build equity to €118,479.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
18-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 79 days late
2019
31-12
Financial
Back to profitnet €3,816
Net result €3,816 after one loss-making year.
Show earlier events
31-12
Financial
Liquidity times 5current ratio 13.19
Current ratio from 2.76 to 13.19; short-term debt falls from €68,819 to €10,278.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 12 days late
2018
18-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 18 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2007
Ground area
2,597 m²
Building footprint
542 m²
Volume, LiDAR
12,928 m³
2 parcels, Brussels · tallest building 34.8 m, ±10 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Frans Lyceumlaan 11, 1180 Ukkel
since 20072.169.207.040
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0231/00T000 | Brussels | 1,475 m² | 1 · 223 m² | 34.8 m · 10 fl. |
| 21804D0300/00E000 | Brussels | 1,123 m² | 1 · 319 m² | 23.8 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 14,628 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
E-invoicing
Reachable via Peppol
Peppol ID
0208:0892979129
Also
9925:BE0892979129
Registered
10-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.