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ONE WITH APPS

Active
Private limited companyfounded 20224 yrs activeSchoolstraat 10, 9520 Sint-Lievens-Houtem, BelgiumKBO/BCE: BE 0790.818.531

ONE WITH APPS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-2k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
71 / 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-66
Solvency98▲+5
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.19 against 2.69 in 2024; short-term debt: 27.3% and cash: 59.6% of total assets), and 27.3% 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+raises riskneutral
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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
72.7%
Return on assets
-3.3%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
62 d late
2022
23 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 months
Position in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€46k▼ 4.3%
2024 · €48k
2022: €14k 2023: €32k 2024: €48k
2022 → 2025
Total assets
€63k▼ 9.9%
2024 · €70k
2022: €31k 2023: €47k 2024: €70k
2022 → 2025
Net result
€-2k
2024 · €15k
2022: €14k 2023: €18k 2024: €15k
2022 → 2025
Working capital
€38k▲ 1.5%
2024 · €37k
2022: €12k 2023: €28k 2024: €37k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line2022202320242025Trend
Equity€14k-€32k▲ 128%€48k▲ 46.7%€46k▼ 4.3%
Operating result€22k-€27k▲ 23.0%€22k▼ 17.8%€-99
Net result€14k-€18k▲ 24.3%€15k▼ 14.3%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-10k€0€10k€20k€30kOperating result 2022: €22k€22kNet result 2022: €14k€14kOperating result 2023: €27k€27kNet result 2023: €18k€18kOperating result 2024: €22k€22kNet result 2024: €15k€15kOperating result 2025: €-99€-99Net result 2025: €-2k€-2k2022202320242025
The operating result turns negative in 2025: a loss of €99 after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets €8k▼ 24.8%
Current assets €55k▼ 7.2%
Equity and liabilities €63k
Equity €46k▼ 4.3%
Debt €17k▼ 21.9%
The debt ratio falls from 31.5% to 27.3%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€3k
2024 · €24k
Cash flow
€1k
2024 · €17k
Solvency
72.7%
2024 · 68.5%
Current ratio
3.19
2024 · 2.69
Quick ratio
3.19
2024 · 2.69
Debt / equity
0.38
2024 · 0.46
ROE
-4.5%
2024 · 31.9%
ROA
-3.3%
2024 · 21.8%
Interest coverage
1.81
2024 · 296.29
Debt
€17k
2024 · €22k
Debt ≤ 1 year
€17k
2024 · €22k
Income taxes
€290
2024 · €7k
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€70k€63k
Fixed assets21/28€11k€8k
Tangible fixed assets22/27€11k€8k
Plant, machinery and equipment23€2k€1k
Furniture and vehicles24€3k€3k
Other tangible fixed assets26€6k€4k
Current assets29/58€59k€55k
Amounts receivable within one year40/41€16k€16k
Trade receivables40€13k€10k
Other amounts receivable41€3k€7k
Cash at bank and in hand54/58€43k€37k
Deferred charges and accrued income490/1€478€871
Equity and liabilities
Total equity and liabilities10/49€70k€63k
Equity10/15€48k€46k
Contributions10/11€500€500=
Reserves13€47k€47k=
Non-distributable reserves130/1€47k€47k=
Other1319€47k€47k=
Profit (loss) carried forward14-€-2k
Amounts payable17/49€22k€17k
Amounts payable within one year42/48€22k€17k
Trade debts44€2k€3k
Suppliers440/4€2k€3k
Taxes, remuneration and social security45€20k€12k
Taxes450/3€20k€12k
Other amounts payable47/48-€1k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k
Other operating charges640/8€226€859
Gross operating margin9900€25k€4k
Operating profit (loss)9901€22k€-99
Financial charges65/66B€82€2k
Recurring financial charges65€82€2k
Profit (loss) for the period before taxes9903€22k€-2k
Income taxes67/77€7k€290
Profit (loss) for the period9904€15k€-2k
Profit (loss) for the period to be appropriated9905€15k€-2k
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-2k
Transfer to equity691/2€15k-
To other reserves6921€15k-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Weakest financial yearnet €-2k ▼114%
Net result drops to €-2k, the lowest in the series.
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
01-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
2023
31-12
Financial Highest result since 2022net €18k ▲24.3%
Operating result €27k, net result €18k, both a record.
23-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
1 act for this company is 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, Sint-Lievens-Houtem · 1 establishment unit since 2022
establishment The establishment unit on the map
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.

Schoolstraat 109520 Sint-Lievens-Houtem
Ground area
499 m²
Building footprint
117 m²
Parcel 41063A0405/00H004, Flanders. Linked by address, not a title deed.
1 establishment unit
ONE WITH APPS
Schoolstraat 10, 9520 Sint-Lievens-HoutemComputer programming, consultancy and related activities
since 20222.335.839.776
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41063A0405/00H004 Flanders 499 m² 1 · 117 m² -
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

Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,209 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded14-09-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.