User Friendly
ActiveSummary
User Friendly has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6k and a net result of €37k. Equity is shrinking by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 11% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+23
Solvency34▼-26
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
8.7%
Return on assets
55.9%
Age of the figures
21 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 20782 sector peers (2024).
NBB · sector comparisonPosition among 20782 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-06-2025, 55 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
55 d early
2023
56 d early
2022
3 d late
2021
37 d early
2020
43 d early
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€0
Total assets
€67k▲ 68.5%
2023 · €40k
2018: €22k
2019: €37k
2020: €70k
2021: €77k
2022: €77k
2023: €40k
2018 → 2024
Net result
€37k▲ 1,290%
2023 · €3k
2018: €2k
2019: €13k
2020: €5k
2021: €16k
2022: €27k
2023: €3k
2018 → 2024
Working capital
€6k▼ 52.3%
2023 · €12k
2018: €7k
2019: €22k
2020: €29k
2021: €18k
2022: €25k
2023: €12k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€0
Equity€30k-€18k▼ 39.9%€24k▲ 34.1%€14k▼ 43.4%€6k▼ 58.0%
Operating result€9k-€23k▲ 161%€36k▲ 59.6%€6k▼ 84.3%€49k▲ 770%
Net result€5k-€16k▲ 204%€27k▲ 65.6%€3k▼ 90.2%€37k▲ 1,290%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 770% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €67k
Fixed assets
€230 ▼ 89.2%
Current assets
€67k ▲ 77.5%
Equity and liabilities €67k
Equity
€6k ▼ 58.0%
Debt
€61k ▲ 136%
Debt's share of the balance-sheet total rises from 65.2% to 91.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€51k▲
2023 · €8k
Cash flow
€39k▲
2023 · €5k
Current ratio
1.09▼
2023 · 1.45
Debt to equity
10.51▲
2023 · 1.87
ROE
643.3%▲
2023 · 19.5%
ROA
55.9%▲
2023 · 6.8%
Interest coverage
42.50▲
2023 · 16.09
Debt ≤ 1 year
€61k▲
2023 · €26k
Income taxes
€11k▲
2023 · €3k
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 · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€40k€67k▲
Fixed assets21/28€2k€230▼
Tangible fixed assets22/27€2k€230▼
Furniture and vehicles24€2k€230▼
Current assets29/58€37k€67k▲
Amounts receivable within one year40/41€27k€26k▼
Trade receivables40€20k€26k▲
Other amounts receivable41€7k-
Cash at bank and in hand54/58€6k€35k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€40k€67k▲
Equity10/15€14k€6k▼
Contributions10/11€9k€6k▼
Reserves13€5k-
Distributable reserves133€5k-
Amounts payable17/49€26k€61k▲
Amounts payable within one year42/48€26k€61k▲
Trade debts44€450€4k▲
Suppliers440/4€450€4k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€17k€48k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€128€163▲
Gross operating margin9900€8k€51k▲
Operating profit (loss)9901€6k€49k▲
Financial income75/76B€6€1▼
Recurring financial income75€6€1▼
Financial charges65/66B€479€1k▲
Recurring financial charges65€479€1k▲
Profit (loss) for the period before taxes9903€5k€48k▲
Income taxes67/77€3k€11k▲
Profit (loss) for the period9904€3k€37k▲
Profit (loss) for the period to be appropriated9905€3k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€37k▲
Transfer from equity791/2€765€5k▲
Profit to be distributed694/7€3k€42k▲
Return on contributions (dividend)694€3k€42k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €37k ▲1,290%
Operating result €49k, net result €37k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 acts for this company are 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, Oupeye · 1 establishment unit since 2018
Ground area
891 m²
Building footprint
166 m²
Volume, LiDAR
966 m³
Parcel 62050B0687/00G000, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
USER FRIENDLY
since 20182.275.521.614
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62050B0687/00G000 | Wallonia | 891 m² | 1 · 166 m² | 7.6 m · 2 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.
Similar companies · same sector, comparable size
ACAMGT
BE 0779.890.391
Spa · Eq €5,804
PDSS
BE 0787.460.054
Sint-Katelijne-Waver · Eq €5,806
ESL Solutions
BE 0647.700.078
Braine-l'Alleud · Eq €5,813
ATR CONSULTING
BE 0773.889.556
Koekelberg · Eq €5,786
CALIJU
BE 0893.605.273
Gembloux · Eq €5,817
Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 6,763 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
Founded25-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
18130Pre-press and pre-media services
63100Computing infrastructure, data processing, hosting and related activities
70200Business and other management consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.userfriendly.be