Debts
€42,490 76% of the balance sheet
Financial debts 66%Suppliers 10%Taxes and wages 1%Other 22%
Of this, €14,335 falls due within a year.
SOLUTIONS
Lifetime
2 annual accounts with figures on one time axispeak €27,895 (2025)
€27,895▲ 37×
peak €11,424 (2025)
€11,424▲ 66×
peak €13,597 (2025)
€13,597▲ 526%
€42,490▲ 22×
Board1 name since 2024
1 directorBERNARD Jean-Paul
Documentsfilings and deeds
27-08-202627 days late
2025micro format
Turnover from €750 to €27,895Gross margin from €644 to €25,281Result from €173 to €11,424Equity from €2,173 to €13,597Debts from €1,958 to €42,490Cash from €2,000 to €2,955
Key points
from the 2025 annual accountsInvestments
€53,592 14.0 × depreciation
Green is investment, beige is depreciation.
Payment terms
591 days to suppliers
SOLUTIONS pays its suppliers 5,927 days earlier than in 2024. Customers pay 412 days earlier.
2025 accounts filed 27 days after the deadline
Checked score
89
Excellent
Financially stronger than 51% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: < 0.1%lowest value
02-2026: < 0.1%● unchanged 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%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: turnover €27,895, total assets €56,087
lowers risk
Sector: Legal and accounting activities (NACE 69)
Figures for financial year 2025 (filed on 27-08-2026)
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 69, micro). It does better than 25% of them on solvency, 22% on liquidity, 59% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 2,390 companies had the same profile as SOLUTIONS has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SOLUTIONS itself: 0.2% 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 2,390 companies, not a prediction for SOLUTIONS. 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 €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.36, below 1. Short-term debt is 25.6% and cash 5.3% of total assets. 75.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 15828 sector peers (2025).
NBB · sector comparisonPosition among 15828 sector peers
Solvency
better than 23%
← weakest
strongest →
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
27 days late
2024
10 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 19 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- BERNARD Jean-Paul,Xavier,Marie,Marc 200 sharesdeed of 05-12-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016883167
Incorporation
Founder: BERNARD Jean-Paul, Xavier, Marie, Marc · 200 shares · Appointment: BERNARD Jean-Paul (director) · published on 05-12-2024 · Gazette deed
First establishment
Rue de l'Ecureuil 76, Seraing
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SOLUTIONS Seraing | €56,087 | €25,281 | 24.2% | - |
| Finomnia Geel | €57,326 | €23,633 | 16.5% | - |
| VDM BOEKHOUDING EN ADVIES Izegem | €48,668 | €23,669 | 47.3% | - |
| MEF CONSULTING Perwez | €64,542 | €25,027 | 25.2% | - |
| MSR COMPTA Villers-le-Bouillet | €72,491 | €28,480 | 2.9% | - |
| V.Fisca Trooz | €64,106 | €20,123 | 16.0% | - |
| Fiscal'Easy Sprimont | €44,465 | €23,148 | 24.0% | - |
These companies have the same main activity as SOLUTIONS: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €44,500 and €72,500, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 03-12-2024Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Establishment unit
- 2.367.766.5354100 Seraing, since 03-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Insights on SOLUTIONS
SOLUTIONS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,597 and a net result of €11,424.
Its solvency ranks better than 23% of 15,828 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
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 SOLUTIONS
- What is the company number of SOLUTIONS?
- The company number of SOLUTIONS is 1016.883.167. The VAT number is the same number with BE in front: BE 1016.883.167.
- Where is SOLUTIONS based?
- The registered office is at Rue de l'Ecureuil 76, 4100 Seraing.Company details
- What does SOLUTIONS do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of SOLUTIONS?
- SOLUTIONS is a private limited company (BV).
- When was SOLUTIONS founded?
- SOLUTIONS was founded on 03-12-2024.
- Is SOLUTIONS still active?
- Yes, SOLUTIONS is an active enterprise in the KBO register.
- What is the turnover of SOLUTIONS?
- The turnover of SOLUTIONS was €27,895 in financial year 2025, according to the filed annual accounts.Financials
- Is SOLUTIONS profitable?
- In financial year 2025, SOLUTIONS made a profit of €11,424.
- Where can I find the annual accounts of SOLUTIONS?
- SOLUTIONS filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SOLUTIONS due?
- SOLUTIONS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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