TECHKNOW
ActiveSummary
TECHKNOW has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,922 and a net result of €33,869. Its solvency ranks better than 74% of 3,387 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 05-10-2023 Normal situation
- Activity
- Computer programming NACE 62100and 2 others
- Establishment unit
- 2.351.324.045 1435 Mont-Saint-Guibert, since 05-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 29-10-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €44,833
- ▲ 2.6%
- Turnover
- ≈ €150,000
- estimated
- Profit
- €33,869
- ▲ 2.5%
- Equity
- €69,922
- ▲ 93.9%
- Total assets
- €94,734
- ▲ 87.8%
Score breakdownraises risk1 change of registered office in 24 monthslowers riskLiquidity: current ratio 3.80, cash €60,973Sector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €94,734Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 68% of them on solvency, 76% on liquidity, 82% on profitability and 89% 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
The company filed its last 2 accounts on average 40 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)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 22-06-2026 at the NBB all 2 filings
2024 to 2025, 2 financial years
The operating result for 2025 is 3% higher than in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €1,379 | - |
| Depreciation and write-downs of the year | €555 | €460 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as TECHKNOW: computer programming (NACE 62100). They are comparable in size and age: total assets between €91,300 and €106,000, founded between 2023 and 2024.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| TECHKNOW Mont-Saint-Guibert | 2023 | €94,734 | €69,922 | €44,833 | €33,869 | 2025 |
| Actitech Wavre | 2023 | €91,296 | €70,245 | €45,355 | €29,932 | 2025 |
| ATWE Grez-Doiceau | 2023 | €96,149 | €84,227 | €51,431 | €36,934 | 2025 |
| SilverLines Advisory Lasne | 2024 | €103,214 | €71,885 | €44,852 | €27,486 | 2025 |
| ATOMIC WOMB@T Rixensart | 2023 | €96,920 | €75,079 | €45,179 | €31,240 | 2025 |
| François Massart Braine-l'Alleud | 2023 | €105,757 | €86,500 | €44,855 | €35,406 | 2025 |
| SOLIVANOVA Sint-Gillis-Waas | 2023 | €91,859 | €82,848 | €42,410 | €30,865 | 2025 |
They were chosen from the 9,111 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 39,278 companies had the same profile as TECHKNOW has now. Two years later, 1.8% had gone bankrupt and 95.9% were still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of TECHKNOW itself is lower: < 0.1% within 12 months. It rests on far more data about TECHKNOW than the profile alone.
Test of the method
The method was tested on the 497,446 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 39,278 companies, not a prediction for TECHKNOW. 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.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €555 | €460 | ▼ 17.1% |
| Gross operating margin9900 | €43,718 | €44,833 | ▲ 2.6% |
| Operating profit (loss)9901 | €43,163 | €44,374 | ▲ 2.8% |
| Financial charges65/66B | €610 | €1,184 | ▲ 94.1% |
| Recurring financial charges65 | €610 | €1,184 | ▲ 94.1% |
| Profit (loss) for the period before taxes9903 | €42,554 | €43,190 | ▲ 1.5% |
| Income taxes67/77 | €9,500 | €9,321 | ▼ 1.9% |
| Profit (loss) for the period9904 | €33,054 | €33,869 | ▲ 2.5% |
| Profit (loss) for the period to be appropriated9905 | €33,054 | €33,869 | ▲ 2.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €50,457 | €94,734 | ▲ 87.8% |
| Fixed assets21/28 | €824 | €365 | ▼ 55.8% |
| Tangible fixed assets22/27 | €824 | €365 | ▼ 55.8% |
| Furniture and vehicles24 | €824 | €365 | ▼ 55.8% |
| Current assets29/58 | €49,632 | €94,369 | ▲ 90.1% |
| Amounts receivable within one year40/41 | €15,733 | €33,396 | ▲ 112% |
| Trade receivables40 | €13,320 | €33,396 | ▲ 151% |
| Other amounts receivable41 | €2,413 | - | - |
| Cash at bank and in hand54/58 | €33,757 | €60,973 | ▲ 80.6% |
| Deferred charges and accrued income490/1 | €143 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €50,457 | €94,734 | ▲ 87.8% |
| Equity10/15 | €36,054 | €69,922 | ▲ 93.9% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €33,054 | €66,922 | ▲ 102% |
| Amounts payable17/49 | €14,403 | €24,812 | ▲ 72.3% |
| Amounts payable within one year42/48 | €14,403 | €24,812 | ▲ 72.3% |
| Trade debts44 | €1,147 | €831 | ▼ 27.6% |
| Suppliers440/4 | €1,147 | €831 | ▼ 27.6% |
| Taxes, remuneration and social security45 | €9,584 | €17,603 | ▲ 83.7% |
| Taxes450/3 | €9,584 | €17,603 | ▲ 83.7% |
| Other amounts payable47/48 | €3,672 | €6,378 | ▲ 73.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €33,054 | €33,869 | ▲ 2.5% |
| + Depreciation and write-downs630 | €555 | €460 | ▼ 17.1% |
| Operating cash flow (approximation) | €33,608 | €34,329 | ▲ 2.1% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €27,217 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Shareholders
- FRAGAPANE Fabio 100 shares (100%) · €3,000 in cash
Capital transactions
- 09-10-2023 Incorporation · €3,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Nombre, durée du mandat et, en cas de pluralité, pouvoirs, assemblée qui nomme le ou les administrateur(s)”“Fixe ou proportionnelle, Rémunération des administrateurs”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 09-10-2023 (in French)
Network & group
TECHKNOW shares no director with another company.
Companies at the same address
5 other companies- TRANSLATINA TRAVEL Registered office · since 2022 0790402520
- Wang, Donglin (sole trader) Establishment · since 2017 0669762432
- Bigourdan, Manuel (sole trader) Establishment · since 2013 0542584247
- Hourlay, Delphine (sole trader) Establishment · since 2009 0808021678
- VEFEM Registered office · since 1996 0458269075
Connections & network
1 current directorThe network starts from the directors of TECHKNOW. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
27-03
Gazette deed
Registered office moved from Ottignies-Louvain-la-Neuve to Mont-Saint-Guibert2 points ▸
- Board meeting, 2026-03
- Registered-office move, Rue de Béclines 29 1435 Mont-Saint-Guibert
09-10
Gazette deed
IncorporationStarting capital €3,000 · Appointment: FRAGAPANE Fabio (director) · Founder10 points ▸
- Founder, FRAGAPANE Fabio
- Incorporation, “TECHKNOW” (deed in French)
- Founding capital, €3,000
- Bank account, 3000, “compte spécial ouvert au nom de la société en formation” (deed in French)
- Other provision, “mise à disposition des fonds”, 3000 (deed in French)
- Capital
- Registered office clause, “1341 CEROUX-MOUSTY, Avenue des Iris”, 60, “à dater du dépôt au greffe d’une expédition de l’acte constitutif” (deed in French)
- Board rule, 1, “assemblée” (deed in French)
- Director appointment, FRAGAPANE Fabio (director (not named in the articles))
- Pre-incorporation commitments, “takeover, tous engagements, obligations et activités entrepris au nom et pour compte de la société en formation par l’un ou l’autre des comparants” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
18 activities
- 1. L’informatique sous toutes ses formes
- 2. Le développement, la création, l’hébergement et le référencement de sites web, de plateformes et d’applications
- 3. L’hébergement internet et virtuel sous toutes ses formes
- 4. Le développement d’applications et de programmes sous toutes ses formes
- 5. La programmation sous toutes ses formes et de tout type
- 6. L’installation, la configuration, le maintien et la sécurité de serveur de tout type
- 7. La création d’objets connectés
- 8. Le marketing, la publicité et la communication
- 9. La création d’objets de communication visuelle sous toutes ses formes
- 10. Le design, le graphisme, la création d’animations et de vidéos
- 11. La consultance stratégique, la consultance créative et la consultance web
- 12. Les études de marché
- 13. La gestion de projet
- 14. L’organisation d'évènements
- 15. Le community Management
- 16. La gestion commerciale
- 17. La production et la diffusion de tout contenu
- 18. La gestion de tout site internet ou application informatique
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25068B0285/00P002 | Wallonia | 4,365 m² | 1 · 223 m² | 13.2 m · 4 |