CMSJ INFORMATIQUE
ActiveCMSJ INFORMATIQUE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €512k and a net result of €97k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 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
Profitability85▼-5
Solvency95▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 3.22 against 7.89 in 2024; short-term debt: 29.5% and cash: 49.3% of total assets), and 29.5% 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+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
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
70.5%
Return on assets
13.4%
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 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
38 d early
2023
52 d early
2022
54 d early
2021
52 d early
2020
59 d early
2019
46 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€97k▼ 15.8%
2024 · €115k
2018: €55k
2019: €49k
2020: €94k
2021: €93k
2022: €123k
2023: €137k
2024: €115k
2018 → 2025
Working capital
€477k▼ 14.1%
2024 · €555k
2018: €159k
2019: €208k
2020: €300k
2021: €390k
2022: €423k
2023: €475k
2024: €555k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€395k-€453k▲ 14.7%€535k▲ 18.0%€601k▲ 12.4%€512k▼ 14.8%
Operating result€130k-€171k▲ 31.4%€200k▲ 17.1%€163k▼ 18.6%€131k▼ 19.5%
Net result€93k-€123k▲ 32.4%€137k▲ 11.0%€115k▼ 15.7%€97k▼ 15.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €727k
Fixed assets
€35k▼ 23.2%
Current assets
€691k▲ 8.8%
Equity and liabilities €727k
Equity
€512k▼ 14.8%
Debt
€215k▲ 167%
The debt ratio rises from 11.8% to 29.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€145k▼
2024 · €176k
Cash flow
€111k▼
2024 · €129k
Solvency
70.5%▼
2024 · 88.2%
Current ratio
3.22▼
2024 · 7.89
Quick ratio
3.22▼
2024 · 7.89
Debt / equity
0.42▲
2024 · 0.13
ROE
18.9%▼
2024 · 19.2%
ROA
13.4%▼
2024 · 16.9%
Interest coverage
1101.48▼
2024 · 1845.99
Debt
€215k▲
2024 · €81k
Debt ≤ 1 year
€215k▲
2024 · €81k
Income taxes
€41k▼
2024 · €49k
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€682k€727k▲
Fixed assets21/28€46k€35k▼
Tangible fixed assets22/27€46k€35k▼
Furniture and vehicles24€46k€35k▼
Current assets29/58€636k€691k▲
Amounts receivable within one year40/41€31k€70k▲
Trade receivables40€24k€55k▲
Other amounts receivable41€8k€15k▲
Current investments50/53€160k€260k▲
Cash at bank and in hand54/58€441k€359k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€682k€727k▲
Equity10/15€601k€512k▼
Contributions10/11€8k€8k=
Reserves13€527k€438k▼
Distributable reserves133€527k€438k▼
Profit (loss) carried forward14€66k€66k▲
Amounts payable17/49€81k€215k▲
Amounts payable within one year42/48€81k€215k▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€31k€34k▲
Taxes450/3€28k€34k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€47k€176k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€177k€146k▼
Operating profit (loss)9901€163k€131k▼
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€96€132▲
Recurring financial charges65€96€132▲
Profit (loss) for the period before taxes9903€165k€138k▼
Income taxes67/77€49k€41k▼
Profit (loss) for the period9904€115k€97k▼
Profit (loss) for the period to be appropriated9905€115k€97k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€163k▼
Profit (loss) brought forward from the previous period14P€66k€66k▲
Transfer from equity791/2€49k€186k▲
Transfer to equity691/2€115k€97k▼
To other reserves6921€115k€97k▼
Profit to be distributed694/7€49k€186k▲
Return on contributions (dividend)694€49k€186k▲
The notes to these accounts (7 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €137k ▲11%
Operating result €200k, net result €137k, both a record.
31-12
Financial
Equity above €500kEq €535k ▲18%
6 profitable years in a row build equity to €535k.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €49k ▼11.5%
Net result drops to €49k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €208k ▲30.8%
2 profitable years in a row build equity to €208k.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Namur · 1 establishment unit since 2012
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.
Rue des Ramiers(BU) 555004 NamurGround area
761 m²
Building footprint
108 m²
Volume, LiDAR
937 m³
Parcel 92021F0083/00E002, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CMSJ INFORMATIQUE
since 20122.208.666.046
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92021F0083/00E002 | Wallonia | 761 m² | 1 · 108 m² | 11.1 m · 3 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.
Similar companies · same sector, comparable size
ZIGGU
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PHILIANE SOLUTIONS
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TECHNOTAP
BE 0465.769.056
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HNM Consulting
BE 0841.622.676
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SOFTSOLUTIONS INTEGRATION DEVELOPMENT CONSULTANCY
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 11,864 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2012
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.