Losses
-€60,083 in five years
Every financial year from 2021 to 2025 closed with a loss. 2025 was the heaviest.
SOFTSIGN
Lifetime
20 annual accounts with figures on one time axis, 27 filings since 1999peak €294,158 (2007)
-€15,737▼ €2,372
lowest -€77,946 (2009)
-€14,242▼ €1,564
peak €217,475 (2015)
€150,076▼ 8.7%
€4,265▼ 42.4%
peak 3.9 FTE (2009)
-not published
Board1 name since 2021
1 directorEpecto BV
Owners
100%EPECTO
Documentsfilings and deeds
26-06-202635 days before the deadline
2025abbreviated format
Gross margin from -€13,365 to -€15,737Loss of €14,242Debts from €7,401 to €4,265Cash from €1,903 to €507
Key points
from the 2025 annual accountsLiquidity
36.18 was 23.17 in 2024
Short-term debts fell from €7,401 to €4,265.
Position in the sector
97.2%
Higher solvency than 95% of companies in computer programming and consultancy. Sector median 46.4% · 3,405 companies.
Turnover not published (abbreviated format)
Checked score
83
Excellent
Financially stronger than 40% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% 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 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.2%▼ -0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.1%▼ -0.1 percentage points vs 12-2025lowest value
02-2026: 0.2%▲ +0.1 percentage points vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.4%▲ +0.2 percentage points vs 06-2026highest value
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.4%● unchanged vs 08-2026highest value
10-2026: 0.4%● unchanged vs 09-2026highest value
11-2026: 0.4%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 36.18, cash €507, halved
Loss of €14,242, the second in a row (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €154,341
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 85% of them on solvency, 31% on liquidity, 12% on profitability and 32% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 12,322 companies had the same profile as SOFTSIGN has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SOFTSIGN itself: 0.4% within 12 months.
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 12,322 companies, not a prediction for SOFTSIGN. 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
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 36.18 (23.17 in 2024), above the usual 1.5. Short-term debt is 2.8% and cash 0.3% of total assets. 2.8% of the assets are financed with debt and provisions.
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
Six signals.
lowers riskraises riskneutral
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
1819202122232425
2018 to 2025 · latest year -€14,242
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 days early
2024
6 days early
2023
21 days early
2022
31 days early
2021
28 days late
2020
12 days late
2019
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0465856158
First establishment
Kruishoutemsesteenweg 96, Kruisem
Incorporation
published on 23-04-1999 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SOFTSIGN Kruisem | €154,341 | -€15,737 | 97.2% | - |
| CROYMANS SOFTWARE ENGINEERING Hechtel-Eksel | €165,390 | €749 | 74.7% | - |
| IB SOLUTIONS Roosdaal | €165,165 | €381 | 86.7% | - |
| CREONICS Ostend | €133,970 | -€22,122 | 86.0% | - |
| MJ CONCEPT Anderlecht | €140,927 | -€24,498 | 20.9% | - |
| BEEWARE SYSTEMS Ostend | €143,001 | -€3,722 | 28.6% | - |
| D.V.L. ENGINEERING Merchtem | €130,901 | -€1,813 | 92.9% | - |
These companies have the same main activity as SOFTSIGN: computer programming (NACE 62100). They are comparable in size and age: total assets between €131,000 and €165,000, founded between 1995 and 2001.
Official details
Source: KBO- Status
- Active since 12-04-1999Normal situation
- Activity
- Computer programmingNACE 62100and 1 other
- Establishment unit
- 2.091.175.1919750 Kruisem, since 28-05-1999
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €154,341▼ 10.1%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on SOFTSIGN
SOFTSIGN files the abbreviated format. That format states no turnover. The gross margin fell from €191,337 in 2006 to -€15,737 in 2025.
EPECTO holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SOFTSIGN
- What is the company number of SOFTSIGN?
- The company number of SOFTSIGN is 0465.856.158. The VAT number is the same number with BE in front: BE 0465.856.158.
- Where is SOFTSIGN based?
- The registered office is at Kruishoutemsesteenweg 96, 9750 Kruisem.Company details
- What does SOFTSIGN do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of SOFTSIGN?
- SOFTSIGN is a private limited company (pre-2019) (BVBA).
- When was SOFTSIGN founded?
- SOFTSIGN was founded on 12-04-1999.
- Is SOFTSIGN still active?
- Yes, SOFTSIGN is an active enterprise in the KBO register.
- What is the turnover of SOFTSIGN?
- The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.Financials
- Is SOFTSIGN profitable?
- In financial year 2025, SOFTSIGN made a loss of €14,242.
- Where can I find the annual accounts of SOFTSIGN?
- SOFTSIGN filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SOFTSIGN due?
- SOFTSIGN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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