SOFTWARE ENGINEERING & CONSULTING
ActiveSummary
SOFTWARE ENGINEERING & CONSULTING has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €186,996 and a net result of €36,496. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability76▲+17
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity ample (current ratio 4.6 against 4.43 in 2023; short-term debt: 21.8% and cash: 1.7% of total assets), and 21.8% of the assets are financed with debt.
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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
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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
not confirmed
2024
19 d late
2023
33 d early
2022
80 d late
2021
127 d late
2020
90 d late
2019
131 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 69 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 (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€36,496▲ 94.1%
2023 · €18,806
Working capital
€186,996▲ 10.3%
2023 · €169,500
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€25,190▲ 126%€10,976▼ 56.4%€13,867▲ 26.3%€44,552▲ 221%€47,684▲ 7.0%
Net result€33,882▲ 145%€12,640▼ 62.7%€15,323▲ 21.2%€18,806▲ 22.7%€36,496▲ 94.1%
Equity€197,732▲ 2.0%€185,372▼ 6.3%€175,695▼ 5.2%€169,500▼ 3.5%€186,996▲ 10.3%
Total assets€216,812▼ 1.5%€206,988▼ 4.5%€195,190▼ 5.7%€218,954▲ 12.2%€238,991▲ 9.2%
Debt€19,080▼ 27.6%€21,616▲ 13.3%€19,495▼ 9.8%€49,454▲ 154%€51,995▲ 5.1%
Working capital€197,732▲ 2.0%€185,372▼ 6.3%€175,695▼ 5.2%€169,500▼ 3.5%€186,996▲ 10.3%
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 7% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €238,991
Equity
€186,996 ▲ 10.3%
Debt
€51,995 ▲ 5.1%
Debt's share of the balance-sheet total falls from 22.6% to 21.8%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.60▲
2023 · 4.43
Debt to equity
0.28▼
2023 · 0.29
ROE
19.5%▲
2023 · 11.1%
ROA
15.3%▲
2023 · 8.6%
Debt ≤ 1 year
€51,995▲
2023 · €49,454
Income taxes
€18,787▼
2023 · €34,492
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
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 0.2% 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 31,324 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €4,005 | €1,831 | €959 | €1,201 | ▲ 25.3% |
| Non-recurring operating charges66A | - | €229 | - | - | - | - |
| Gross operating margin9900 | €27,585 | €15,210 | €15,698 | €45,511 | €48,885 | ▲ 7.4% |
| Operating profit (loss)9901 | €25,190 | €10,976 | €13,867 | €44,552 | €47,684 | ▲ 7.0% |
| Financial income75/76B | - | €12,676 | €13,100 | €10,248 | €13,078 | ▲ 27.6% |
| Recurring financial income75 | €18,927 | €12,676 | €13,100 | €10,248 | €13,078 | ▲ 27.6% |
| Financial charges65/66B | - | €781 | €1,436 | €1,502 | €5,478 | ▲ 265% |
| Recurring financial charges65 | €3,035 | €781 | €1,086 | €1,502 | €5,478 | ▲ 265% |
| Non-recurring financial charges66B | - | - | €350 | - | - | - |
| Profit (loss) for the period before taxes9903 | €41,082 | €22,871 | €25,531 | €53,298 | €55,283 | ▲ 3.7% |
| Income taxes67/77 | €7,200 | €10,231 | €10,208 | €34,492 | €18,787 | ▼ 45.5% |
| Profit (loss) for the period9904 | €33,882 | €12,640 | €15,323 | €18,806 | €36,496 | ▲ 94.1% |
| Profit (loss) for the period to be appropriated9905 | €33,882 | €12,640 | €15,323 | €18,806 | €36,496 | ▲ 94.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €216,812 | €206,988 | €195,190 | €218,954 | €238,991 | ▲ 9.2% |
| Current assets29/58 | €216,812 | €206,988 | €195,190 | €218,954 | €238,991 | ▲ 9.2% |
| Amounts receivable within one year40/41 | €216,541 | €205,416 | €195,190 | €208,707 | €221,325 | ▲ 6.0% |
| Trade receivables40 | - | €8,839 | €13,552 | €10,453 | €10,542 | ▲ 0.8% |
| Other amounts receivable41 | - | €196,577 | €181,638 | €198,254 | €210,783 | ▲ 6.3% |
| Cash at bank and in hand54/58 | - | €1,572 | - | - | €4,082 | - |
| Deferred charges and accrued income490/1 | - | - | - | €10,247 | €13,584 | ▲ 32.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €216,812 | €206,988 | €195,190 | €218,954 | €238,991 | ▲ 9.2% |
| Equity10/15 | €197,732 | €185,372 | €175,695 | €169,500 | €186,996 | ▲ 10.3% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €51,860 | €51,860 | €51,860 | €160,000 | €33,000 | ▼ 79.4% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €50,000 | €50,000 | €160,000 | €33,000 | ▼ 79.4% |
| Profit (loss) carried forward14 | €139,672 | €127,312 | €117,635 | €3,300 | €147,796 | ▲ 4,378% |
| Amounts payable17/49 | €19,080 | €21,616 | €19,495 | €49,454 | €51,995 | ▲ 5.1% |
| Amounts payable within one year42/48 | €19,080 | €21,616 | €19,495 | €49,454 | €51,995 | ▲ 5.1% |
| Financial debts43 | - | - | €5,421 | €1,936 | - | - |
| Credit institutions430/8 | - | - | €5,421 | €1,936 | - | - |
| Trade debts44 | €994 | €2,412 | €723 | €1,878 | €1,390 | ▼ 25.9% |
| Suppliers440/4 | - | €2,412 | €723 | €1,878 | €1,390 | ▼ 25.9% |
| Taxes, remuneration and social security45 | - | €19,204 | €13,351 | €44,840 | €50,504 | ▲ 12.6% |
| Taxes450/3 | - | €19,204 | €13,351 | €44,840 | €50,504 | ▲ 12.6% |
| Other amounts payable47/48 | - | - | - | €800 | €100 | ▼ 87.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,882 | €12,640 | €15,323 | €18,806 | €36,496 | ▲ 94.1% |
| Operating cash flow (approximation) | €33,882 | €12,640 | €15,323 | €18,806 | €36,496 | ▲ 94.1% |
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
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Highest result since 2018net €36,496 ▲94.1%
Operating result €47,684, net result €36,496, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 80 days late
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 127 days late
2021
31-12
Financial
Weakest financial yearnet €12,640 ▼62.7%
Net result drops to €12,640, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 131 days late
2019
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 133 days late
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 120 days late
2017
20-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 81 days late
2016
14-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 136 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Yvoir · 1 establishment unit since 2001
Ground area
451 m²
Building footprint
106 m²
Parcel 91124C0240/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chaussée de Dinant 42, 5530 Yvoir
since 20012.098.136.922
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91124C0240/00T000 | Wallonia | 451 m² | 1 · 106 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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WALKURA
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SerX
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GUSTIN IT
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 14,899 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
Founded31-05-2001
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474914275
Registered
19-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.