Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of EBLOOM is 1.0% (low). The 2025 annual accounts show negative equity (€-143k) and a net result of €17k. Equity is shrinking by ~59.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 2763 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.0%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2763 sector peers (2025).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 02-02-2026 | 2 d late | 2026-00027300 |
| 30-06-2024 | 31-01-2025 | 31-01-2025 | on the day | 2025-00027220 |
| 30-06-2023 | 31-01-2024 | 18-03-2024 | 47 d late | 2024-00044973 |
| 30-06-2022 | 31-01-2023 | 30-01-2023 | 1 d early | 2023-00012706 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€17k
Working capital€218k+324.9%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~59.6%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -32.9% | 62.1% | |
| Net result | €17k | €39k | |
| Equity | €-143k | €62k | |
| Gross operating margin | €199k | €62k | |
| Staff costs | €133k | €17k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P5
Stable position over 2022-2025
· n=2763-7349
P28
Stable position over 2022-2025
· n=2765-7346
P5
Stable position over 2022-2025
· n=2764-7351
P95
Improving position over 2022-2025
· n=2765-7340
Describes the position versus peers, not a forecast.
€66k
-
22-25
€17k
-
22-25
€56k
-
22-25
€433k
+110.2%
22-25
€-143k
+10.8%
22-25
€218k
+324.9%
22-25
3
-13.5%
22-25
€133k
-1.1%
22-25
€576k
+57.3%
22-25
€56k
+16.5%
22-25
€422k
+145.3%
22-25
4.91
+136.9%
22-25
4.91
+136.9%
22-25
-32.9%
+57.6%
22-25
-4.04
-76.5%
22-25
-12.2%
-
22-25
4.0%
-
22-25
6.93
-
22-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €66k |
| Net profit | €17k |
| Cash flow | €56k |
| Staff costs | €133k |
| Income taxes | - |
| Dividends | - |
| Total assets | €433k |
| Equity | €-143k |
| Debt | €576k |
| of which ≤ 1y | €56k |
| of which > 1y | €422k |
| Working capital | €218k |
| Employees (FTE) | 3.2 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 4.91 |
| Quick ratio | 4.91 |
| Working capital ratio | 50.3% |
| Solvency | -32.9% |
| Debt / equity | -4.04 |
| Long-term debt ratio | -2.96 |
| Interest coverage | 6.93 |
| Gross margin | - |
| Net margin | - |
| ROA | 4.0% |
| ROE | -12.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €433k |
| Fixed assets | 21/28 | €160k |
| Intangible fixed assets | 21 | €154k |
| Tangible fixed assets | 22/27 | €5k |
| Financial fixed assets | 28 | €1k |
| Current assets | 29/58 | €274k |
| Amounts receivable within one year | 40/41 | €82k |
| Cash & bank | 54/58 | €192k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €433k |
| Equity | 10/15 | €-143k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €-145k |
| Amounts payable | 17/49 | €576k |
| Amounts payable after one year | 17 | €422k |
| Amounts payable within one year | 42/48 | €56k |
| Trade debts payable within one year | 44 | €25k |
| Income statement | ||
| Gross operating margin | 9900 | €199k |
| Operating result | 9901 | €27k |
| Financial charges | 65 | €9k |
| Result before taxes | 9903 | €17k |
| Net result for the period | 9904 | €17k |
| Result to be appropriated | 9905 | €17k |
You are seeing the latest fiscal year only. 3 prior years (figures + ratios) are in a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed46
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
1 directorFormer directors (1)
-
Former- → 30-09-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
2 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| Marco AmoryCurrent Statutory auditor |
- | 01-10-2021 → present |
| Margot WuillaumeCurrent Statutory auditor |
- | 01-10-2021 → present |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Ontwerpen van computerprogramma’s(62100) |
| Legal form | Private limited company(610) |
| Incorporation | 17-12-2020 |
| Status | Active |
| Postal code | 1200 |
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Solleveldstraat 191200 Sint-Lambrechts-WoluweEstablishment units
1 locationEBLOOM
since 20202.313.235.016
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area2,215 m²
Buildings2
Building footprint1,103 m²
Volume (LiDAR)24,929 m³
Tallest building29.1 m · ±9 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0206/00H005 | Brussels | 1,291 m² | 1 · 597 m² | 29.1 m · 9 fl. |
| 21672C0266/00G000 | Brussels | 924 m² | 1 · 505 m² | 21.1 m · 6 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Address history · 2
25-11-2025
v3.2
28-11-2024
v3.2
All acts · 5
updated 5 months ago
2026
03-03-2026 Change in the board of directors
Notary:
Sibylle FALLA · Bruxelles
2025
25-11-2025 Registered office moved from Waterloo to Woluwé-Saint-Lambert
- Rue Emile Dury 168, 1410 Waterloo → Rue Solleveld 19, 1200 Woluwé-Saint-Lambert
Summary:
v3.2
2024
28-11-2024 Registered office moved from Limal to Waterloo
- Rue Joseph Mathieu 39, 1300 Limal → Rue Emile Dury 168, 1410 Waterloo
Summary:
v3.2
2021
30-11-2021 2 directors appointed
2020
21-12-2020 Incorporation of a new SRL
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes53
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
46
Profitability
0
Solvency
67
Growth
58
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,809 of the 16,739 companies in this sector. 1,414 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Beheer van computerfaciliteiten62030Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200
Primary activity highlighted.
Names & trade names
| Legal nameFR | EBLOOM |
Registered office
Solleveldstraat 19 bus 1
1200 Sint-Lambrechts-Woluwe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.