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SOFTWARE & FINANCIAL ANALYSIS

Active
Private limited companyfounded 2017active for 8 yearsRue du Laveu 2, 4000 Liège, BelgiumKBO/BCE: BE 0685.434.365
Summary

SOFTWARE & FINANCIAL ANALYSIS has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €170,118 and a net result of -€21,210. Equity has been growing by about 30% per year since 2019. Its solvency ranks better than 68% of 1,682 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 28-11-2017 Normal situation
Activity
Computer consultancy and computer facilities management NACE 62200and 1 other
Establishment unit
2.274.311.884 1180 Ukkel, since 28-11-2017
Financial year end
30 June
Peppol
Reachable since 17-12-2025

Board and ownership

Board
  • Branchereau FrancoiseDirector
  • CHAIBAN WalidDirector

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts to 30-06-2025
Gross margin
€2,089
▼ 97.9%
Turnover
≈ €14,000
estimated
Loss
€21,210
Equity
€170,118
▼ 11.1%
Total assets
€302,142
▼ 19.2%
Filed on 29-01-2026, 2 days before the deadline
Score breakdownraises riskLoss of €21,210 (financial year 2025)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €302,142Liquidity: current ratio 2.29, cash €48,448, halvedShow the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 36% of micro companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Average
Solvency 81+5
equity 56.3% of total assets
Liquidity 69-9
short-term debt 11.6% · cash 16.0%
Profitability 13-77
return on assets -7.0%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,913 companies, NACE 62, micro)
Last 24 months 12-2024: < 0.1%lowest value 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: 0.1%▲ +0.1 percentage points vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026highest value 11-2026: 0.1%● unchanged vs 10-2026highest value
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.29 (1.91 in 2024), above the usual 1.5. Short-term debt is 11.6% and cash 16% of total assets. 43.7% of the assets are financed with debt and provisions.
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 49% of them on solvency, 52% on liquidity, 13% on profitability and 30% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
raises risk · Loss of €21,210 (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €302,142
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.29, cash €48,448, halved
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
2 days early
2024
2 days early
2023
5 days early
2022
4 days early
2021
4 days early
2020
1 day late
2019
on the day
← 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 2 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 financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 27 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end02-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €65,002 in 2024 -€21,210 View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as SOFTWARE & FINANCIAL ANALYSIS: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €190,000 and €406,000, founded between 2013 and 2021.

CompanyTotal assetsGross margin
SOFTWARE & FINANCIAL ANALYSIS Liège€302,142€2,089
CAZIMI Mortsel€320,184€1,691
OZTECH Ramillies€189,967€3,138
ADFive Ukkel€269,038€3,080
BEYOND.IO Antwerpen€190,701€2,375
CYS-CONSULTING Antwerpen€406,055€1,191
Netced Elsene€371,519€3,271
Full comparison

Key facts about SOFTWARE & FINANCIAL ANALYSIS

What is the company number of SOFTWARE & FINANCIAL ANALYSIS?
The company number of SOFTWARE & FINANCIAL ANALYSIS is 0685.434.365. The VAT number is the same number with BE in front: BE 0685.434.365.
Where is SOFTWARE & FINANCIAL ANALYSIS based?
The registered office is at Rue du Laveu 2, 4000 Liège.Company details
What does SOFTWARE & FINANCIAL ANALYSIS do?
According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
What is the legal form of SOFTWARE & FINANCIAL ANALYSIS?
The legal form of SOFTWARE & FINANCIAL ANALYSIS is Private limited company (BV).
When was SOFTWARE & FINANCIAL ANALYSIS founded?
SOFTWARE & FINANCIAL ANALYSIS was founded on 28-11-2017.
Is SOFTWARE & FINANCIAL ANALYSIS still active?
Yes, SOFTWARE & FINANCIAL ANALYSIS is an active enterprise in the KBO register.
What is the turnover of SOFTWARE & FINANCIAL ANALYSIS?
The turnover in financial year 2025 is ≈ €14,000. This figure is estimated from the gross margin of €2,089 and 43 comparable companies (NACE 62200). It probably lies between €6,400 and €38,000. It is a rough estimate.Financials
Is SOFTWARE & FINANCIAL ANALYSIS profitable?
In financial year 2025, SOFTWARE & FINANCIAL ANALYSIS made a loss of €21,210.
Where can I find the annual accounts of SOFTWARE & FINANCIAL ANALYSIS?
SOFTWARE & FINANCIAL ANALYSIS filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SOFTWARE & FINANCIAL ANALYSIS due?
SOFTWARE & FINANCIAL ANALYSIS must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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