BITTRACK
ActiveBITTRACK has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €102k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 88% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+24
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 9.22 against 1.61 in 2024; short-term debt: 9.6% and cash: 43.2% of total assets), and 9.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
90.4%
Return on assets
76.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €121k
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 08-06-2026, 53 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
53 d early
2024
45 d early
2023
49 d early
2022
55 d early
2021
53 d early
2020
57 d early
2019
7 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€121k▲ 110%
2024 · €57k
2018: €42k
2019: €62k
2020: €91k
2021: €20k
2022: €20k
2023: €19k
2024: €57k
2018 → 2025
Total assets
€133k▲ 18.8%
2024 · €112k
2018: €56k
2019: €72k
2020: €95k
2021: €56k
2022: €66k
2023: €60k
2024: €112k
2018 → 2025
Net result
€102k▲ 21.1%
2024 · €84k
2018: €30k
2019: €20k
2020: €28k
2021: €30k
2022: €39k
2023: €36k
2024: €84k
2018 → 2025
Working capital
€105k▲ 215%
2024 · €33k
2018: €40k
2019: €49k
2020: €80k
2021: €14k
2022: €15k
2023: €16k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€19k▼ 9.1%€57k▲ 209%€121k▲ 110%
Operating result€39k-€50k▲ 27.6%€46k▼ 8.1%€108k▲ 135%€132k▲ 22.2%
Net result€30k-€39k▲ 30.0%€36k▼ 8.6%€84k▲ 135%€102k▲ 21.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€15k▼ 36.9%
Current assets
€118k▲ 33.9%
Equity and liabilities €133k
Equity
€121k▲ 110%
Debt
€13k▼ 76.6%
The debt ratio falls from 48.9% to 9.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€141k▲
2024 · €116k
Cash flow
€111k▲
2024 · €93k
Solvency
90.4%▲
2024 · 51.1%
Current ratio
9.22▲
2024 · 1.61
Quick ratio
9.22▲
2024 · 1.61
Debt / equity
0.11▼
2024 · 0.96
ROE
84.6%▼
2024 · 146.7%
ROA
76.4%▲
2024 · 75.0%
Interest coverage
1603.00▲
2024 · 840.19
Debt
€13k▼
2024 · €55k
Debt ≤ 1 year
€13k▼
2024 · €55k
Income taxes
€30k▲
2024 · €24k
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€112k€133k▲
Fixed assets21/28€24k€15k▼
Tangible fixed assets22/27€24k€15k▼
Plant, machinery and equipment23€1k€46▼
Furniture and vehicles24€23k€15k▼
Current assets29/58€88k€118k▲
Amounts receivable within one year40/41€40k€58k▲
Trade receivables40€40k€58k▲
Other amounts receivable41-€61
Cash at bank and in hand54/58€43k€58k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€112k€133k▲
Equity10/15€57k€121k▲
Contributions10/11€19k€19k=
Reserves13€39k-
Distributable reserves133€39k-
Profit (loss) carried forward14-€102k
Amounts payable17/49€55k€13k▼
Amounts payable within one year42/48€55k€13k▼
Financial debts43€51€133▲
Credit institutions430/8€51€133▲
Trade debts44€59€881▲
Suppliers440/4€59€881▲
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€7k€10k▲
Other amounts payable47/48€47k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€7k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€857€951▲
Non-recurring operating charges66A-€61
Gross operating margin9900€117k€142k▲
Operating profit (loss)9901€108k€132k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€139€88▼
Recurring financial charges65€139€88▼
Profit (loss) for the period before taxes9903€108k€132k▲
Income taxes67/77€24k€30k▲
Profit (loss) for the period9904€84k€102k▲
Profit (loss) for the period to be appropriated9905€84k€102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€102k▲
Transfer from equity791/2-€39k
Transfer to equity691/2€39k-
To other reserves6921€39k-
Profit to be distributed694/7€45k€39k▼
Return on contributions (dividend)694€45k€39k▼
The notes to these accounts (6 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €102k ▲21.1%
Operating result €132k, net result €102k, both a record.
31-12
Financial
Liquidity times 6current ratio 9.22
Current ratio from 1.61 to 9.22; short-term debt falls from €55k to €13k.
31-12
Financial
Equity above €100kEq €121k ▲110%
8 profitable years in a row build equity to €121k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 20.26
Current ratio from 6.05 to 20.26; short-term debt falls from €10k to €4k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €20k ▼34.6%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
24-06
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.
Directors · office · real estate
Directors
4 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, Lummen · 1 establishment unit since 2017
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.
Zelemsebaan 173560 LummenGround area
1,996 m²
Building footprint
202 m²
Volume, LiDAR
935 m³
Parcel 71038D0532/00A000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
berdienVO
since 20172.270.965.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71038D0532/00A000 | Flanders | 1,996 m² | 1 · 202 m² | 7.5 m · 1 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.
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 6,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2017
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.