TEST CLUE

Active

Private limited companyfounded 20233 yrs activeFazantenlaan 16, 3080 Tervuren, BelgiumKBO/BCE: BE 0800.754.992

Summary

TEST CLUE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,388 and a net result of €55,349. Equity is shrinking by ~28% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 15% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

TEST CLUEActiveChecked score 86/100

Risk analysis Report Compare

What they do

Computer programming

NACE 62100NACE 62010

1 site

How big

€144,115total assets 2025

Equity: €14,388
Profit: €55,349

Financially healthy?

86 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Who decides

Board: 1 member

Accounts filed 28 d late1 of 3 deeds read

Why 86- 1 change of registered office in 24 months+ Sector Computer programming, consultancy and related activities (NACE 62)+ Liquidity: current ratio 1.10, cash €97,837+ Size: total assets €144,115Show the evidence

Checked score

Score 2025

86 / 100

Excellent

Probability in this band: under 0.55%

Better than 35% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 35-26

equity 10.0% of total assets

Liquidity 51-15

short-term debt 88.4% · cash 67.9%

Profitability 100=

return on assets 38.4%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,520 companies)

Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Liquidity: current ratio 1.10, cash €97,837 lowers the probability
1 change of registered office in 24 months raises the probability
Size: total assets €144,115 lowers the probability for this profile

Credit up to €1,000 at 30 days acceptable

Liquidity tight (current ratio 1.1 against 1.48 in 2024; short-term debt: 88.4% and cash: 67.9% of total assets), and 90% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 16%, liquidity 31%, profitability 83%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.10, cash €97,837

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Size: total assets €144,115

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 18866 sector peers (2025).

NBB · sector comparison

Position among 18866 sector peers

Solvency

better than 15%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filings

Deviation from the deadline

2025

28 d late

2024

29 d late

2023

40 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 6 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 (2)

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. Usually files around 28 August (3 of the last 3 filed years within 67 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

28-08-26 Annual accounts filedfiscal year 2025 · micro…
05-05-26 Appointment: Alexandra Stanciu (non-statutory director)Power of attorney
31-12-25 Highest result since 2023net €55,349 ▲21.9%

Key points

Caution: Among the weakest 15% on solvencysector median 60.3% · 18,866 companies 10.0% View
New directorlatest change 01-02-2026 · 1 in office 1 joined View
Total assets 20253 fiscal years filed €144,115 View