Convergence Studio EU
ActiveConvergence Studio EU has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €10k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+19
Solvency100▲+9
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 1.86 in 2024), and 28.8% 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
71.2%
Return on assets
16.5%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €43k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
40 d late
2024
30 d late
2023
61 d late
2022
31 d late
2021
2 d late
2020
23 d early
2019
68 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 30.2%
2024 · €33k
2018: €47k
2019: €50k
2020: €45k
2021: €55k
2022: €26k
2023: €28k
2024: €33k
2018 → 2025
Total assets
€61k▼ 10.3%
2024 · €68k
2018: €71k
2019: €70k
2020: €63k
2021: €82k
2022: €85k
2023: €64k
2024: €68k
2018 → 2025
Net result
€10k▲ 85.4%
2024 · €5k
2018: €6k
2019: €3k
2020: €-5k
2021: €10k
2022: €4k
2023: €2k
2024: €5k
2018 → 2025
Working capital
€40k▲ 35.3%
2024 · €30k
2018: €44k
2019: €48k
2020: €44k
2021: €54k
2022: €26k
2023: €28k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€26k▼ 52.5%€28k▲ 7.7%€33k▲ 19.4%€43k▲ 30.2%
Operating result€12k-€6k▼ 54.6%€2k▼ 57.2%€7k▲ 190%€14k▲ 106%
Net result€10k-€4k▼ 63.4%€2k▼ 43.6%€5k▲ 172%€10k▲ 85.4%
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 106% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€3k▼ 11.1%
Current assets
€58k▼ 10.2%
Equity and liabilities €61k
Equity
€43k▲ 30.2%
Debt
€18k▼ 49.3%
The debt ratio falls from 50.9% to 28.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€15k▲
2024 · €7k
Cash flow
€10k▲
2024 · €6k
Solvency
71.2%▲
2024 · 49.1%
Current ratio
3.28▲
2024 · 1.86
Quick ratio
3.28▲
2024 · 1.86
Debt / equity
0.40▼
2024 · 1.04
ROE
23.2%▲
2024 · 16.3%
ROA
16.5%▲
2024 · 8.0%
Interest coverage
13.88▼
2024 · 14.60
Debt
€18k▼
2024 · €35k
Debt ≤ 1 year
€18k▼
2024 · €35k
Income taxes
€4k▲
2024 · €2k
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€68k€61k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Land and buildings22€4k€3k▼
Furniture and vehicles24€0€0=
Current assets29/58€64k€58k▼
Amounts receivable after more than one year29€24k€24k=
Other amounts receivable291€24k€24k=
Amounts receivable within one year40/41€38k€21k▼
Trade receivables40€23k€4k▼
Other amounts receivable41€15k€17k▲
Cash at bank and in hand54/58€1k€13k▲
Deferred charges and accrued income490/1€972€229▼
Equity and liabilities
Total equity and liabilities10/49€68k€61k▼
Equity10/15€33k€43k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€25k€35k▲
Amounts payable17/49€35k€18k▼
Amounts payable within one year42/48€35k€18k▼
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€27k€14k▼
Suppliers440/4€27k€14k▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€526€409▼
Other operating charges640/8€734€740▲
Gross operating margin9900€8k€15k▲
Operating profit (loss)9901€7k€14k▲
Financial income75/76B€825€755▼
Recurring financial income75€825€755▼
Financial charges65/66B€512€1k▲
Recurring financial charges65€512€1k▲
Profit (loss) for the period before taxes9903€7k€14k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€5k€10k▲
Profit (loss) for the period to be appropriated9905€5k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€35k▲
Profit (loss) brought forward from the previous period14P€20k€25k▲
The notes to these accounts (4 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
31-12
Financial
Highest result since 2018net €10k ▲85.4%
Operating result €14k, net result €10k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-5k ▼261%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
06-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 67 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
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, Schaarbeek · 1 establishment unit since 2016
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.
Ooststraat 371030 SchaarbeekGround area
163 m²
Building footprint
130 m²
Volume, LiDAR
1,476 m³
2 parcels, Brussels · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Sortiise Europe
since 20162.258.601.745
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0323/00P005 | Brussels | 101 m² | 1 · 69 m² | 16.3 m · 4 fl. |
| 21816C0115/00E002 | Brussels | 62 m² | 1 · 61 m² | 14.1 m · 4 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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DID SOLUTIONS
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 6,693 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2016
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.