S-IT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of S-IT is 0.4% (very low). The 2025 annual accounts show equity of €147k and a net result of €27k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 2749 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 7 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	19-12-2025	43 d early	2025-00586807
30-06-2024	31-01-2025	18-12-2024	44 d early	2024-00623819
30-06-2023	31-01-2024	02-05-2024	92 d late	2024-00078882
30-06-2022	31-01-2023	27-12-2022	35 d early	2022-20549162
30-06-2021	31-01-2022	06-01-2022	25 d early	2022-00500435
30-06-2020	31-01-2021	22-12-2020	40 d early	2020-76900420
30-06-2019	31-01-2020	29-11-2019	63 d early	2019-74900600

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€27k+329.5%

Working capital€134k+69.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 19-12-2025 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~11.8%/year over 6 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	75.3%	62.2%	better than 65% of 2749 sector peers
Net result	€27k	€40k	better than 38% of 2751 sector peers
Equity	€147k	€62k	better than 81% of 2750 sector peers
Gross operating margin	€39k	€63k	better than 31% of 2751 sector peers
Total assets	€195k	€121k	better than 73% of 2751 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P65

Weakening position over 2020-2025 · n=627-5801

Net result P38

Weakening position over 2020-2025 · n=624-5797

Equity P81

Stable position over 2020-2025 · n=628-5804

Gross operating margin P31

Weakening position over 2020-2025 · n=623-5793

Describes the position versus peers, not a forecast.

EBITDA

€38k

+120.1% 19-25

Net profit

€27k

+329.5% 19-25

Cash flow

€28k

+116.4% 19-25

Total assets

€195k

+38.1% 19-25

Equity

€147k

+58.9% 19-25

Working capital

€134k

+69.1% 19-25

Income taxes

€11k

+189.3% 19-25

Dividends

€859

-96.2% 19-25

Debt

€48k

-1.2% 19-25

Debt ≤ 1y

€46k

-6.4% 19-25

Debt > 1y

€2k

-70.3% 19-25

Current ratio

3.94

+50.0% 19-25

Quick ratio

3.94

+50.0% 19-25

Solvency

75.3%

+15.0% 19-25

Debt / equity

0.33

-37.8% 19-25

ROE

18.1%

+170.3% 19-25

ROA

13.6%

+210.9% 19-25

Interest coverage

15.80

-14.1% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€38k
Net profit	€27k
Cash flow	€28k
Staff costs	-
Income taxes	€11k
Dividends	€859
Total assets	€195k
Equity	€147k
Debt	€48k
of which ≤ 1y	€46k
of which > 1y	-
Working capital	€134k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	3.94
Quick ratio	3.94
Working capital ratio	68.9%
Solvency	75.3%
Debt / equity	0.33
Long-term debt ratio	-
Interest coverage	15.80
Gross margin	-
Net margin	-
ROA	13.6%
ROE	18.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €15k · 7.7% Current assets €180k · 92.3%

Equity & liabilities

Equity €147k · 75.3% Debt €48k · 24.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€195k
Fixed assets	21/28	€15k
Tangible fixed assets	22/27	€15k
Current assets	29/58	€180k
Amounts receivable within one year	40/41	€36k
Investments	50/53	€57k
Cash & bank	54/58	€63k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€195k
Equity	10/15	€147k
Contributions / capital	10/11	€19k
Reserves	13	€107k
Accumulated profits (losses)	14	€21k
Amounts payable	17/49	€48k
Amounts payable within one year	42/48	€46k
Trade debts payable within one year	44	€14k
Income statement
Gross operating margin	9900	€39k
Operating result	9901	€37k
Financial income	75	€3k
Financial charges	65	€2k
Result before taxes	9903	€37k
Income taxes	67/77	€11k
Net result for the period	9904	€27k
Result to be appropriated	9905	€27k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Broekveld 179520 Sint-Lievens-Houtem

Establishment units

1 location

S-IT

Broekveld 17, 9520 Sint-Lievens-HoutemOverige grafische activiteiten n.e.g.

since 20182.280.996.174

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,017 m²

Buildings1

Building footprint125 m²

Volume (LiDAR)606 m³

Tallest building8.0 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41063B0449/00A002	Flanders	1,017 m²	1 · 125 m²	8.0 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 91

Solvency 100

Growth 78

Stability 100

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