Refleqt
ActiveRefleqt has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.99M and a net result of €299k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 87% of 1395 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-9
Solvency100=
Growth49▼-1
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 4.59 against 4.32 in 2024; short-term debt: 21.7% and cash: 0.4% of total assets), and 21.7% 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
78.3%
Return on assets
11.8%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
22 d late
2023
8 d early
2022
14 d late
2021
19 d late
2020
6 d late
2019
22 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€3.02M▼ 2.8%
2024 · €3.10M
2018: €2.46M
2019: €2.37M
2020: €2.55M
2021: €2.73M
2022: €3.36M
2023: €3.22M
2024: €3.10M
2018 → 2025
EBIT margin
12.8%▼ 3.6pp
2024 · 16.4%
2018: 31.1%
2019: 18.6%
2020: 21.2%
2021: 22.4%
2022: 19.0%
2023: 7.7%
2024: 16.4%
2018 → 2025
Net result
€299k▼ 25.3%
2024 · €400k
2018: €515k
2019: €267k
2020: €415k
2021: €460k
2022: €473k
2023: €200k
2024: €400k
2018 → 2025
Working capital
€1.98M▲ 11.9%
2024 · €1.77M
2018: €362k
2019: €633k
2020: €950k
2021: €1.16M
2022: €1.40M
2023: €1.47M
2024: €1.77M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.73M-€3.36M▲ 22.8%€3.22M▼ 4.1%€3.10M▼ 3.6%€3.02M▼ 2.8%
Equity€1.18M-€1.42M▲ 20.3%€1.48M▲ 4.0%€1.78M▲ 20.3%€1.99M▲ 11.8%
Operating result€613k-€638k▲ 4.2%€249k▼ 60.9%€509k▲ 104%€386k▼ 24.1%
Net result€460k-€473k▲ 2.9%€200k▼ 57.8%€400k▲ 100%€299k▼ 25.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.54M
Fixed assets
€9k▼ 3.0%
Current assets
€2.53M▲ 9.9%
Equity and liabilities €2.54M
Equity
€1.99M▲ 11.8%
Provisions
€855
Debt
€551k▲ 3.3%
The debt ratio falls from 23.1% to 21.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€392k▼
2024 · €516k
Cash flow
€304k▼
2024 · €408k
Solvency
78.3%▲
2024 · 76.9%
Current ratio
4.59▲
2024 · 4.32
Quick ratio
4.58▲
2024 · 4.32
Debt / equity
0.28▼
2024 · 0.30
ROE
15.1%▼
2024 · 22.5%
ROA
11.8%▼
2024 · 17.3%
Interest coverage
10.62▼
2024 · 18.43
Debt
€551k▲
2024 · €533k
Debt ≤ 1 year
€551k▲
2024 · €533k
Income taxes
€86k▼
2024 · €120k
Staff costs
€1.64M▲
2024 · €1.54M
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€2.31M€2.54M▲
Fixed assets21/28€9k€9k▼
Tangible fixed assets22/27€9k€9k▼
Plant, machinery and equipment23€9k€9k▼
Current assets29/58€2.30M€2.53M▲
Stocks and contracts in progress3-€7k
Contracts in progress37-€7k
Amounts receivable within one year40/41€2.27M€2.48M▲
Trade receivables40€733k€577k▼
Other amounts receivable41€1.54M€1.91M▲
Cash at bank and in hand54/58€11k€11k▼
Deferred charges and accrued income490/1€17k€28k▲
Equity and liabilities
Total equity and liabilities10/49€2.31M€2.54M▲
Equity10/15€1.78M€1.99M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.71M€1.92M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€105k€158k▲
Distributable reserves133€1.60M€1.76M▲
Profit (loss) carried forward14€611€123▼
Provisions and deferred taxes16-€855
Provisions for liabilities and charges160/5-€855
Pensions and similar obligations160-€855
Amounts payable17/49€533k€551k▲
Amounts payable within one year42/48€533k€551k▲
Trade debts44€164k€195k▲
Suppliers440/4€164k€195k▲
Taxes, remuneration and social security45€269k€253k▼
Taxes450/3€101k€88k▼
Remuneration and social security454/9€168k€166k▼
Other amounts payable47/48€100k€103k▲
Income statement
Code20242025
Turnover70€3.10M€3.02M▼
Non-recurring operating income76A-€36
Goods, raw materials, services and sundry goods60/61€1.05M€990k▼
Remuneration, social security and pensions62€1.54M€1.64M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-193€855▲
Other operating charges640/8€9k€7k▼
Non-recurring operating charges66A-€665
Gross operating margin9900€2.06M€2.04M▼
Operating profit (loss)9901€509k€386k▼
Financial income75/76B€39k€36k▼
Recurring financial income75€39k€36k▼
Financial charges65/66B€28k€37k▲
Recurring financial charges65€28k€37k▲
Profit (loss) for the period before taxes9903€520k€385k▼
Income taxes67/77€120k€86k▼
Profit (loss) for the period9904€400k€299k▼
Transfer from tax-exempt reserves789€131k-
Transfer to tax-exempt reserves689-€53k
Profit (loss) for the period to be appropriated9905€531k€247k▼
Appropriation of the result
Profit (loss) to be appropriated9906€531k€247k▼
Profit (loss) brought forward from the previous period14P€361€611▲
Transfer to equity691/2€431k€157k▼
To other reserves6921€431k€157k▼
Profit to be distributed694/7€100k€90k▼
Directors or managers695€100k€90k▼
Social balance
Average headcount (FTE)908722.322.4▲
The notes to these accounts (8 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €200k ▼57.8%
Net result drops to €200k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 14 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
31-12
Financial
Equity above €1MEq €1.18M ▲21.5%
4 profitable years in a row build equity to €1.18M.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 6 days late
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €656k ▲68.7%
2 profitable years in a row build equity to €656k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Kontich · 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.
Veldkant 33 A2550 KontichGround area
3,333 m²
Building footprint
933 m²
Volume, LiDAR
7,846 m³
Parcel 11024B0079/00F000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Refleqt
since 20172.266.456.468
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00F000 | Flanders | 3,333 m² | 1 · 932 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 4,600 EUR awarded · 4,600 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,300 EUR | 2,300 EUR |
| 2024 | 1 | 2,300 EUR | 2,300 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 4,936 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-06-2017
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.