WHOLE SYSTEMS
ActiveWHOLE SYSTEMS has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-141k) and a net result of €-106k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-17
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 0.25 in 2024; short-term debt: 72% and cash: 0.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Ten 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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 2025Solvency, return and age of the figures
Solvency
-38.5%
Return on assets
-28.9%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-141k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-03-2026, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
41 d early
2024
26 d early
2023
11 d early
2022
37 d early
2021
36 d early
2020
on the day
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-141k▼ 300%
2024 · €-35k
2018: €70k
2019: €39k
2020: €19k
2021: €75k
2022: €65k
2023: €54k
2024: €-35k
2018 → 2025
Total assets
€367k▼ 15.6%
2024 · €434k
2018: €659k
2019: €723k
2020: €682k
2021: €645k
2022: €605k
2023: €496k
2024: €434k
2018 → 2025
Net result
€-106k▼ 18.1%
2024 · €-90k
2018: €13k
2019: €-31k
2020: €-21k
2021: €93k
2022: €-11k
2023: €-11k
2024: €-90k
2018 → 2025
Working capital
€-227k▼ 16.8%
2024 · €-194k
2018: €-285k
2019: €-313k
2020: €-215k
2021: €-97k
2022: €-65k
2023: €-155k
2024: €-194k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€65k▼ 14.1%€54k▼ 16.2%€-35k€-141k▼ 300%
Operating result€108k-€-1k€-2k▼ 116%€-66k▼ 2,929%€-98k▼ 48.0%
Net result€93k-€-11k€-11k▲ 0.7%€-90k▼ 751%€-106k▼ 18.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €98k in 2025 against €66k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €367k
Fixed assets
€330k▼ 10.9%
Current assets
€37k▼ 42.4%
Key figures and ratios
EBITDA
€-63k▼
2024 · €-32k
Cash flow
€-71k▼
2024 · €-55k
Solvency
-38.5%▼
2024 · -8.1%
Current ratio
0.14▼
2024 · 0.25
Quick ratio
0.14▼
2024 · 0.25
Debt / equity
-3.60▲
2024 · -13.30
ROA
-28.9%▼
2024 · -20.6%
Interest coverage
-7.72▼
2024 · -1.28
Debt
€508k▲
2024 · €470k
Debt ≤ 1 year
€264k▲
2024 · €258k
Debt > 1 year
€169k▲
2024 · €144k
Staff costs
€11k▲
2024 · €4k
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€434k€367k▼
Fixed assets21/28€370k€330k▼
Tangible fixed assets22/27€318k€287k▼
Land and buildings22€214k€192k▼
Plant, machinery and equipment23€94k€84k▼
Furniture and vehicles24€10k€11k▲
Financial fixed assets28€53k€43k▼
Current assets29/58€64k€37k▼
Amounts receivable within one year40/41€25k€15k▼
Trade receivables40€22k€6k▼
Other amounts receivable41€3k€9k▲
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€35k€19k▼
Equity and liabilities
Total equity and liabilities10/49€434k€367k▼
Equity10/15€-35k€-141k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€-104k€-209k▼
Amounts payable17/49€470k€508k▲
Amounts payable after more than one year17€144k€169k▲
Financial debts170/4€144k€169k▲
Amounts payable within one year42/48€258k€264k▲
Trade debts44€105k€96k▼
Suppliers440/4€105k€96k▼
Taxes, remuneration and social security45€4k-
Taxes450/3€468-
Remuneration and social security454/9€4k-
Other amounts payable47/48€149k€168k▲
Accrued charges and deferred income492/3€67k€75k▲
Income statement
Code20242025
Remuneration, social security and pensions62€4k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€35k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€-21k€-46k▼
Operating profit (loss)9901€-66k€-98k▼
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€25k€8k▼
Recurring financial charges65€25k€8k▼
Profit (loss) for the period before taxes9903€-90k€-106k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-90k€-106k▼
Profit (loss) for the period to be appropriated9905€-90k€-106k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-104k€-209k▼
Profit (loss) brought forward from the previous period14P€-14k€-104k▼
The notes to these accounts (10 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-106k
Net result drops to €-106k, the lowest in the series.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €93k
Net result €93k after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Jette · 2 establishment units since 1994
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.
Dikke-Beuklaan 921090 JetteGround area
478 m²
Building footprint
180 m²
Volume, LiDAR
1,789 m³
2 parcels, Brussels, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
WHOLE SYSTEMS NV
since 19942.067.758.304
WHOLE SYSTEMS
since 20152.303.485.526
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0003/00R002 | Flanders | 276 m² | 1 · 103 m² | 15.4 m · 4 fl. |
| 21010A0073/00K000 | Brussels | 202 m² | 1 · 77 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-06-1994
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74131
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.