SOLVENDIUM
ActiveSummary
SOLVENDIUM has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €383k and a net result of €125k. Equity is growing by ~43.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency85▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.27 against 0.79 in 2024; short-term debt: 21.9% and cash: 1.2% of total assets), and 39.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.5%
Return on assets
19.7%
Age of the figures
9 mo
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 13-05-2026, 79 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
79 d early
2024
77 d early
2023
69 d early
2022
33 d early
2021
47 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€383k▲ 28.5%
2024 · €298k
2021: €59k
2022: €134k
2023: €186k
2024: €298k
2021 → 2025
Total assets
€634k▲ 15.2%
2024 · €550k
2021: €142k
2022: €253k
2023: €436k
2024: €550k
2021 → 2025
Net result
€125k▼ 15.7%
2024 · €148k
2021: €95k
2022: €111k
2023: €88k
2024: €148k
2021 → 2025
Working capital
€-101k▼ 272%
2024 · €-27k
2021: €45k
2022: €9k
2023: €-64k
2024: €-27k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€134k▲ 127%€186k▲ 38.6%€298k▲ 60.2%€383k▲ 28.5%
Operating result€122k-€148k▲ 21.3%€122k▼ 17.4%€204k▲ 66.7%€170k▼ 16.8%
Net result€95k-€111k▲ 17.1%€88k▼ 21.1%€148k▲ 68.6%€125k▼ 15.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €634k
Fixed assets
€596k ▲ 33.8%
Current assets
€38k ▼ 64.1%
Equity and liabilities €634k
Equity
€383k ▲ 28.5%
Debt
€251k ▼ 0.5%
Debt's share of the balance-sheet total falls from 45.8% to 39.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€183k▼
2024 · €218k
Cash flow
€138k▼
2024 · €162k
Current ratio
0.27▼
2024 · 0.79
Debt to equity
0.65▼
2024 · 0.84
ROE
32.6%▼
2024 · 49.6%
ROA
19.7%▼
2024 · 26.9%
Interest coverage
41.91▼
2024 · 44.16
Debt ≤ 1 year
€139k▲
2024 · €132k
Debt > 1 year
€112k▼
2024 · €120k
Income taxes
€40k▼
2024 · €51k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€550k€634k▲
Fixed assets21/28€446k€596k▲
Intangible fixed assets21-€3k
Tangible fixed assets22/27€446k€567k▲
Land and buildings22€278k€294k▲
Plant, machinery and equipment23€1k€111k▲
Furniture and vehicles24€10k€4k▼
Assets under construction and advance payments27€156k€158k▲
Financial fixed assets28-€27k
Current assets29/58€105k€38k▼
Amounts receivable within one year40/41€30k€28k▼
Trade receivables40€30k€26k▼
Other amounts receivable41€256€2k▲
Cash at bank and in hand54/58€68k€8k▼
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€550k€634k▲
Equity10/15€298k€383k▲
Contributions10/11€7k€7k=
Reserves13€180k€230k▲
Distributable reserves133€180k€230k▲
Profit (loss) carried forward14€112k€147k▲
Amounts payable17/49€252k€251k▼
Amounts payable after more than one year17€120k€112k▼
Financial debts170/4€120k€112k▼
Amounts payable within one year42/48€132k€139k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€30k€27k▼
Taxes450/3€30k€27k▼
Other amounts payable47/48€90k€97k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€852€809▼
Gross operating margin9900€218k€183k▼
Operating profit (loss)9901€204k€170k▼
Financial income75/76B€30€56▲
Recurring financial income75€30€56▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€199k€165k▼
Income taxes67/77€51k€40k▼
Profit (loss) for the period9904€148k€125k▼
Profit (loss) for the period to be appropriated9905€148k€125k▼
Appropriation of the result
Profit (loss) to be appropriated9906€198k€237k▲
Profit (loss) brought forward from the previous period14P€50k€112k▲
Transfer to equity691/2€50k€50k=
To other reserves6921€50k€50k=
Profit to be distributed694/7€36k€40k▲
Return on contributions (dividend)694€36k€40k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €148k ▲68.6%
Operating result €204k, net result €148k, both a record.
31-12
Financial
Equity above €200kEq €298k ▲60.2%
4 profitable years in a row build equity to €298k.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €88k ▼21.1%
Net result drops to €88k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €186k ▲38.6%
3 profitable years in a row build equity to €186k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €134k ▲127%
2 profitable years in a row build equity to €134k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ramillies · 1 establishment unit since 2020
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.
Rue du Chenois 231367 RamilliesGround area
2,517 m²
Building footprint
121 m²
Volume, LiDAR
901 m³
Parcel 25030B0278/00M000, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SOLVENDIUM
since 20202.312.420.711
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25030B0278/00M000 | Wallonia | 2,517 m² | 1 · 121 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteRamillies2.312.420.711
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SCALCON
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ALFRACOnsulting
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iConcept
BE 0839.927.552
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 12,987 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
01210Crop and animal production, hunting and related service activities
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.