USERCODLY

Active

Private limited companyfounded 2016active for 10 yearsElzenstraat 2, 2580 Putte, BelgiumKBO/BCE: BE 0657.873.301

Summary

USERCODLY has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189,393 and a net result of €12,069. Equity is growing by about 43% per year across the filed financial years. Its solvency ranks better than 82% of 21,120 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisFollow Report Compare

USERCODLYActiveChecked score 83/100

Risk analysis Report Compare

Activity

Computer programming

NACE 62100

1 site

Size

€153,382turnover 2025

Staff: ≈ 0 FTE, estimated
Equity: €189,393
Profit: €12,069

Financial health

83 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.5%

Structure

Maxime MUSINDirector

2025 accounts filed 18 days late2 of 5 deeds summarised

Why 83raises risk1 change of registered office in 24 monthsSize: turnover €153,382, total assets €220,822Last filed accounts filed 19 days late; 2 of the last 3 latelowers riskSector: Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 59% of its sector peers (NACE 62, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 85.8% of total assets

Liquidity 68-9

short-term debt 14.2% · cash 16.9%

Profitability 84-3

return on assets 5.5%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,901 companies, NACE 62, micro)

Last 24 months 11-2024: 0.9% 12-2024: 0.8%▼ -0.1 percentage points vs 11-2024 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 1.0%▲ +0.2 percentage points vs 01-2025 03-2025: 1.2%▲ +0.2 percentage points vs 02-2025 04-2025: 1.9%▲ +0.7 percentage points vs 03-2025highest value 05-2025: 0.2%▼ -1.7 percentage points vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.3%▲ +0.1 percentage points vs 01-2026 03-2026: 0.1%▼ -0.2 percentage points vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026lowest value 05-2026: 0.1%● unchanged vs 04-2026lowest value 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.4%▲ +0.3 percentage points vs 06-2026 08-2026: 0.5%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%▼ -0.1 percentage points vs 08-2026 10-2026: 0.5%▲ +0.1 percentage points vs 09-2026

Credit of up to €15,000 on 30-day terms is acceptable

Liquidity ample (current ratio 5.21, compared with 4.92 in 2024, above the usual 1.5; short-term debt: 14.2% and cash: 16.9% of total assets), and 14.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 85% on solvency, 52% on liquidity, 45% on profitability and 55% on growth.

The bankruptcy probability was computed on 30-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

1 change of registered office in 24 months

Belgian Official Gazette

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

KBO

Size: turnover €153,382, total assets €220,822

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Last filed accounts filed 19 days late; 2 of the last 3 late

NBB · filings

2025 accounts filed 18 days late

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-02-2026, 18 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 · 9 filings

Deviation from the deadline

2025

18 days late

2024

68 days late

2023

339 days late

2022

98 days late

2021

31 days early

2020

3 days early

2019

18 days early

← before the deadline after the deadline →

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

This company filed its last 7 accounts on average 67 days after the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 9 April (4 of the last 5 filed years within 99 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end31-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

25-06-2026 Registered officeRegistered-office move
18-02-2026 Annual accounts filedfinancial year 2025 · micro…
09-04-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Positive: Among the best 18% on solvencysector median 60.0% · 21,120 companies 85.8% View
Positive: 5 profitable years in a rowprofit 2025: €12,069 5 years View
One director decidessole director in office 1 View

By topic

Financials

Financial year: 2025
Turnover: €153,382
Profit: €12,069
Solvency: 85.8%

Turnover▲ 14.0%

Net result

20232025

Go to Financials

Board & ownership

Board: 1 member

Maxime MUSINDirector

Go to Board & ownership

Timeline

Events: 16
Since: 2018
Next accounts: by 31-01-2027

27-01-2025Resignation: Katty Marie Julienne LAURENT (director)
04-01-2025Annual accounts filed
30-06-2023Equity above €150,000

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Computer programmingNACE 62100
Founded: 30-06-2016
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 27

Purpose: “De creatie, ontwikkeling, marketing en beheer van producten met betrekking tot internet en…” (deed in Dutch)

Go to Articles of association

Key facts about USERCODLY

What is the company number of USERCODLY?: 0657.873.301. In Belgium the VAT number is the company number with BE in front: BE 0657.873.301.
Where is USERCODLY based?: The registered office is at Elzenstraat 2, 2580 Putte.Company details
What does USERCODLY do?: According to the KBO register, the main activity is computer programming (NACE 62100).
What is the legal form of USERCODLY?: Private limited company (BV).
When was USERCODLY founded?: On 30-06-2016.
Is USERCODLY still active?: Yes, USERCODLY is an active enterprise in the KBO register.
How many employees does USERCODLY have?: On average 0.7 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
What is the turnover of USERCODLY?: €153,382 in financial year 2025, according to the filed annual accounts.
Is USERCODLY profitable?: In financial year 2025, USERCODLY made a profit of €12,069.
Where can I find the annual accounts of USERCODLY?: USERCODLY filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of USERCODLY due?: By 31-01-2027, for financial year 2026.Timeline