Visma Bouwsoft
ActiveVisma Bouwsoft has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.25M and a net result of €1.45M. Equity is growing by ~48.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 1395 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+23
Solvency86▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €490k at 30 days acceptable
Liquidity ample (current ratio 8.16 against 8.78 in 2024; short-term debt: 11.5% and cash: 92.8% of total assets), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
61%
Return on assets
16.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
25 d late
2023
2 d early
2022
on the day
2021
31 d late
2020
32 d early
2019
36 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.45M
2024 · €-119k
2018: €670k
2019: €569k
2020: €474k
2021: €137k
2022: €1.48M
2023: €1.33M
2024: €-119k
2018 → 2025
Working capital
€7.10M▲ 34.1%
2024 · €5.30M
2018: €41k
2019: €32k
2020: €545k
2021: €1.61M
2022: €2.41M
2023: €3.63M
2024: €5.30M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€2.58M▲ 134%€3.91M▲ 51.5%€3.80M▼ 3.0%€5.25M▲ 38.2%
Operating result€136k-€1.63M▲ 1,099%€1.44M▼ 11.5%€-111k€2.16M
Net result€137k-€1.48M▲ 982%€1.33M▼ 10.0%€-119k€1.45M
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2.16M after a loss of €111k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.60M
Fixed assets
€503k▼ 46.2%
Current assets
€8.10M▲ 35.4%
Equity and liabilities €8.60M
Equity
€5.25M▲ 38.2%
Debt
€3.35M▲ 7.5%
The debt ratio falls from 45.1% to 39.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2.59M▲
2024 · €1.18M
Cash flow
€1.88M▲
2024 · €1.17M
Solvency
61.0%▲
2024 · 54.9%
Current ratio
8.16▼
2024 · 8.78
Quick ratio
8.16▼
2024 · 8.78
Debt / equity
0.64▼
2024 · 0.82
ROE
27.7%▲
2024 · -3.1%
ROA
16.9%▲
2024 · -1.7%
Interest coverage
201.92▲
2024 · 96.45
Debt
€3.35M▲
2024 · €3.12M
Debt ≤ 1 year
€993k▲
2024 · €681k
Income taxes
€729k▲
2024 · €3k
Staff costs
€1.19M▼
2024 · €1.44M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€6.91M€8.60M▲
Fixed assets21/28€935k€503k▼
Intangible fixed assets21€720k€339k▼
Tangible fixed assets22/27€213k€162k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€52k€37k▼
Other tangible fixed assets26€154k€120k▼
Financial fixed assets28€1k€1k=
Current assets29/58€5.98M€8.10M▲
Amounts receivable within one year40/41€169k€120k▼
Trade receivables40€137k€79k▼
Other amounts receivable41€32k€41k▲
Cash at bank and in hand54/58€5.80M€7.98M▲
Deferred charges and accrued income490/1€5k€208▼
Equity and liabilities
Total equity and liabilities10/49€6.91M€8.60M▲
Equity10/15€3.80M€5.25M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€3.73M€5.18M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€3.73M€5.18M▲
Amounts payable17/49€3.12M€3.35M▲
Amounts payable within one year42/48€681k€993k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€244k€28k▼
Suppliers440/4€244k€28k▼
Advances received on contracts in progress46€8k€8k=
Taxes, remuneration and social security45€359k€957k▲
Taxes450/3€109k€842k▲
Remuneration and social security454/9€250k€114k▼
Other amounts payable47/48€70k€0▼
Accrued charges and deferred income492/3€2.44M€2.36M▼
Income statement
Code20242025
Non-recurring operating income76A€0€50k▲
Remuneration, social security and pensions62€1.44M€1.19M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.29M€434k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-360€0▲
Other operating charges640/8€15k€3k▼
Non-recurring operating charges66A€1.38M€0▼
Gross operating margin9900€4.01M€3.79M▼
Operating profit (loss)9901€-111k€2.16M▲
Financial income75/76B€8k€32k▲
Recurring financial income75€8k€32k▲
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Profit (loss) for the period before taxes9903€-116k€2.18M▲
Income taxes67/77€3k€729k▲
Profit (loss) for the period9904€-119k€1.45M▲
Profit (loss) for the period to be appropriated9905€-119k€1.45M▲
Appropriation of the result
Profit (loss) to be appropriated9906€-119k€1.45M▲
Transfer from equity791/2€119k€0▼
Transfer to equity691/2€0€1.45M▲
To other reserves6921€0€1.45M▲
Social balance
Average headcount (FTE)908719.112.0▼
The notes to these accounts (15 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €1.45M
Net result €1.45M after one loss-making year.
31-12
Financial
Equity above €5MEq €5.25M ▲38.2%
Equity rises from €3.80M to €5.25M.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-119k ▼109%
Net result drops to €-119k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €1.48M ▲982%
Net result €1.48M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.58M ▲134%
5 profitable years in a row build equity to €2.58M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Equity above €1MEq €1.11M ▲14.1%
4 profitable years in a row build equity to €1.11M.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity doublescurrent ratio 2.47
Current ratio from 1.04 to 2.47; short-term debt falls from €897k to €370k.
31-12
Financial
Equity above €500kEq €969k ▲95.7%
3 profitable years in a row build equity to €969k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
18 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, Zuienkerke · 1 establishment unit since 1999
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.
Molenweg 98377 ZuienkerkeGround area
5,203 m²
Building footprint
368 m²
Volume, LiDAR
2,170 m³
Parcel 31018B0466/00D000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
USE IT GROUP
since 19992.091.673.455
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31018B0466/00D000 | Flanders | 5,203 m² | 1 · 368 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 51,756 EUR awarded · 51,756 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 905 EUR | 905 EUR |
| 2023 | 1 | 50,000 EUR | 50,000 EUR |
| 2022 | 1 | 851 EUR | 851 EUR |
Schemes
O&O-haalbaarheidsstudie
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 1,275 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-07-1999
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.