beCAD
ActiveSummary
beCAD has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €8,136 and a net result of €27,611. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 209 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability100▲+100
Solvency33▲+24
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.74 in 2025; short-term debt: 70.6% and cash: 28.4% of total assets), and 91.6% of the assets are financed with debt.
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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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
8.4%
Return on assets
28.6%
Age of the figures
6 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 209 sector peers (2026).
NBB · sector comparisonPosition among 209 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 09-09-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
52 d early
2025
22 d early
2024
1 d early
2023
4 d early
2022
on the day
2021
2 d early
2020
26 d late
← 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 8 days before 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)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 27 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€8,136
2025 · -€19,475
Total assets
€96,493▼ 21.8%
2025 · €123,447
Net result
€27,611
2025 · -€31,074
Working capital
€1,151
2025 · -€26,749
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€34,041▼ 50.6%€22,479▼ 34.0%-€18,448-€25,499▼ 38.2%€32,571
Net result€21,989within the sector's middle half▼ 67.5%€15,602within the sector's middle half▼ 29.0%-€21,424below the sector's middle half-€31,074below the sector's middle half▼ 45.0%€27,611
Equity€17,420below the sector's middle half€33,022within the sector's middle half▲ 89.6%€11,599below the sector's middle half▼ 64.9%-€19,475below the sector's middle half€8,136
Total assets€83,634within the sector's middle half▼ 33.9%€78,989within the sector's middle half▼ 5.6%€53,486below the sector's middle half▼ 32.3%€123,447within the sector's middle half▲ 131%€96,493▼ 21.8%
Debt€66,214▼ 49.5%€45,966▼ 30.6%€41,887▼ 8.9%€142,921▲ 241%€88,357▼ 38.2%
Working capital€7,515below the sector's middle half€16,025within the sector's middle half▲ 113%€5,284below the sector's middle half▼ 67.0%-€26,749below the sector's middle half€1,151
Solvency20.8%below the sector's middle half▲ 24.4pp41.8%within the sector's middle half▲ 21.0pp21.7%below the sector's middle half▼ 20.1pp-15.8%below the sector's middle half▼ 37.5pp8.4%▲ 24.2pp
Current ratio1.14below the sector's middle half▲ 0.171.39within the sector's middle half▲ 0.251.13below the sector's middle half▼ 0.260.74below the sector's middle half▼ 0.391.02▲ 0.28
Return on assets (ROA)26.3%within the sector's middle half▼ 27.2pp19.8%within the sector's middle half▼ 6.5pp-40.1%below the sector's middle half▼ 59.8pp-25.2%below the sector's middle half▲ 14.9pp28.6%▲ 53.8pp
Staff (FTE)11=
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €32,571 after a loss of €25,499 in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €96,493
Fixed assets
€27,245 ▼ 42.2%
Current assets
€69,247 ▼ 9.3%
Equity and liabilities €96,493
Equity
€8,136
Debt
€88,357
Debt finances 91.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€52,423▲
2025 · -€13,043
Cash flow
€47,463▲
2025 · -€18,617
Debt to equity
10.86▲
2025 · -7.34
ROE
339.4%
Interest coverage
11.28▲
2025 · -2.35
Debt ≤ 1 year
€68,097▼
2025 · €103,098
Debt > 1 year
€20,260▼
2025 · €32,324
Income taxes
€639▼
2025 · €664
Staff costs
€36,780▲
2025 · €35,694
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,325 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.4%
went bankrupt
3.2%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,325 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €20,450 | €36,064 | €35,451 | €35,694 | €36,780 | ▲ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,725 | €12,371 | €14,629 | €12,457 | €19,852 | ▲ 59.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €160 | - | -€160 | - | - | - |
| Other operating charges640/8 | €4,583 | €1,554 | €1,699 | €4,360 | €1,533 | ▼ 64.8% |
| Gross operating margin9900 | €68,958 | €72,468 | €33,170 | €27,012 | €90,736 | ▲ 236% |
| Operating profit (loss)9901 | €34,041 | €22,479 | -€18,448 | -€25,499 | €32,571 | ▲ 228% |
| Financial income75/76B | - | €1,503 | €998 | €633 | €324 | ▼ 48.8% |
| Recurring financial income75 | - | €1,503 | €998 | €633 | €324 | ▼ 48.8% |
| Financial charges65/66B | €4,279 | €2,813 | €3,424 | €5,544 | €4,645 | ▼ 16.2% |
| Recurring financial charges65 | €4,279 | €2,813 | €3,424 | €5,544 | €4,645 | ▼ 16.2% |
| Profit (loss) for the period before taxes9903 | €29,761 | €21,170 | -€20,874 | -€30,410 | €28,250 | ▲ 193% |
| Income taxes67/77 | €7,772 | €5,567 | €550 | €664 | €639 | ▼ 3.8% |
| Profit (loss) for the period9904 | €21,989 | €15,602 | -€21,424 | -€31,074 | €27,611 | ▲ 189% |
| Profit (loss) for the period to be appropriated9905 | €21,989 | €15,602 | -€21,424 | -€31,074 | €27,611 | ▲ 189% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €83,634 | €78,989 | €53,486 | €123,447 | €96,493 | ▼ 21.8% |
| Fixed assets21/28 | €21,234 | €21,996 | €7,367 | €47,098 | €27,245 | ▼ 42.2% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €21,234 | €21,796 | €7,167 | €46,898 | €27,045 | ▼ 42.3% |
| Plant, machinery and equipment23 | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €21,234 | €21,796 | €7,167 | €46,898 | €27,045 | ▼ 42.3% |
| Financial fixed assets28 | - | €200 | €200 | €200 | €200 | = |
| Current assets29/58 | €62,400 | €56,993 | €46,119 | €76,349 | €69,247 | ▼ 9.3% |
| Amounts receivable within one year40/41 | €58,565 | €51,801 | €41,724 | €73,747 | €38,037 | ▼ 48.4% |
| Trade receivables40 | €51,980 | €48,941 | €39,473 | €69,341 | €30,345 | ▼ 56.2% |
| Other amounts receivable41 | €6,585 | €2,861 | €2,251 | €4,406 | €7,691 | ▲ 74.6% |
| Cash at bank and in hand54/58 | €136 | €1,386 | €2,205 | €17 | €27,424 | ▲ 166,004% |
| Deferred charges and accrued income490/1 | €3,699 | €3,805 | €2,190 | €2,586 | €3,787 | ▲ 46.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €83,634 | €78,989 | €53,486 | €123,447 | €96,493 | ▼ 21.8% |
| Equity10/15 | €17,420 | €33,022 | €11,599 | -€19,475 | €8,136 | ▲ 142% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €0 | - | - |
| Profit (loss) carried forward14 | -€3,040 | €12,562 | -€8,861 | -€38,075 | -€10,464 | ▲ 72.5% |
| Amounts payable17/49 | €66,214 | €45,966 | €41,887 | €142,921 | €88,357 | ▼ 38.2% |
| Amounts payable after more than one year17 | €11,043 | €4,999 | €1,052 | €32,324 | €20,260 | ▼ 37.3% |
| Financial debts170/4 | €11,043 | €4,999 | €1,052 | €32,324 | €20,260 | ▼ 37.3% |
| Amounts payable within one year42/48 | €54,885 | €40,968 | €40,835 | €103,098 | €68,097 | ▼ 33.9% |
| Current portion of amounts payable after more than one year42 | €9,982 | €13,174 | €4,211 | €12,843 | €12,064 | ▼ 6.1% |
| Financial debts43 | €3,092 | €0 | - | €21,120 | €5,000 | ▼ 76.3% |
| Credit institutions430/8 | €3,092 | €0 | - | €21,120 | €5,000 | ▼ 76.3% |
| Trade debts44 | €24,483 | €6,521 | €18,530 | €52,763 | €29,472 | ▼ 44.1% |
| Suppliers440/4 | €24,483 | €6,521 | €18,530 | €52,763 | €29,472 | ▼ 44.1% |
| Advances received on contracts in progress46 | - | - | - | €2,500 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €12,560 | €15,894 | €16,731 | €13,871 | €21,561 | ▲ 55.4% |
| Taxes450/3 | €10,866 | €9,267 | €9,632 | €6,590 | €14,079 | ▲ 114% |
| Remuneration and social security454/9 | €1,695 | €6,626 | €7,099 | €7,281 | €7,482 | ▲ 2.8% |
| Other amounts payable47/48 | €4,768 | €5,379 | €1,363 | €0 | €0 | - |
| Accrued charges and deferred income492/3 | €286 | €0 | - | €7,500 | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,989 | €15,602 | -€21,424 | -€31,074 | €27,611 | ▲ 189% |
| + Depreciation and write-downs630 | €9,725 | €12,371 | €14,629 | €12,457 | €19,852 | ▲ 59.4% |
| Operating cash flow (approximation) | €31,714 | €27,974 | -€6,794 | -€18,617 | €47,463 | ▲ 355% |
| Investment in fixed assets (approximation) | - | -€13,134 | €0 | -€52,188 | €0 | ▲ 100% |
| Change in cash | - | €1,250 | €818 | -€2,188 | €27,407 | ▲ 1,353% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
27-07
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 04-06-2026
- Registered-office move, 4000 Liège, Esplanade Simone Veil 1
31-03
Financial
Back to profitnet €27,611
Net result €27,611 after 2 loss-making years.
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet -€31,074
Net result drops to -€31,074, the lowest in the series; recovery starts the following year.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €67,734 ▲140%
Operating result €68,963, net result €67,734, both a record.
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2017
06-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 2013
Ground area
6,004 m²
Parcel 62814C0006/00G002, Wallonia. Linked by address, not a title deed.
103
companies at this address
See who is registered here
1 establishment unit
beCAD SRL
since 20132.218.222.823
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0006/00G002 | Wallonia | 6,004 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,214 companies in sector 62900 we hold annual accounts for 1,746. 774 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-02-2009
Fiscal year end31-03
Activities, NACEBEL 2025
62900Other information technology and computer services
62100Computer programming
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0809610203
Also
9925:BE0809610203
Registered
21-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.