SIMPLEXITY
ActiveSIMPLEXITY has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €29k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 54% of 1989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+83
Solvency92▼-8
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 3.03 in 2024), but 51.5% 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 85
Relative position
BE, all sectors
reference
Sector 85
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
48.5%
Return on assets
18.6%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 10 filingsDeviation from the deadline
2025
17 d late
2024
36 d early
2023
30 d late
2022
23 d late
2021
25 d early
2020
74 d early
2019
101 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 21.0%
2024 · €98k
2020: €56k
2021: €63k
2022: €90k
2023: €104k
2024: €98k
2020 → 2025
Total assets
€159k▲ 10.2%
2024 · €144k
2020: €87k
2021: €92k
2022: €137k
2023: €153k
2024: €144k
2020 → 2025
Net result
€29k▲ 811%
2024 · €3k
2020: €45k
2021: €8k
2022: €26k
2023: €5k
2024: €3k
2020 → 2025
Working capital
€75k▼ 20.1%
2024 · €94k
2020: €45k
2021: €63k
2022: €90k
2023: €101k
2024: €94k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€90k▲ 41.2%€104k▲ 16.4%€98k▼ 6.5%€77k▼ 21.0%
Operating result€11k-€35k▲ 207%€10k▼ 71.7%€9k▼ 3.9%€40k▲ 325%
Net result€8k-€26k▲ 236%€5k▼ 82.0%€3k▼ 31.1%€29k▲ 811%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 325% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159k
Fixed assets
€2k▼ 48.0%
Current assets
€157k▲ 11.6%
Equity and liabilities €159k
Equity
€77k▼ 21.0%
Debt
€82k▲ 76.0%
The debt ratio rises from 32.2% to 51.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€42k▲
2024 · €11k
Cash flow
€31k▲
2024 · €5k
Solvency
48.5%▼
2024 · 67.8%
Current ratio
1.92▼
2024 · 3.03
Quick ratio
1.92▼
2024 · 3.03
Debt / equity
1.06▲
2024 · 0.48
ROE
38.3%▲
2024 · 3.3%
ROA
18.6%▲
2024 · 2.2%
Interest coverage
27.57▲
2024 · 5.07
Debt
€82k▲
2024 · €46k
Debt ≤ 1 year
€82k▲
2024 · €46k
Income taxes
€9k▲
2024 · €4k
Staff costs
€47k▲
2024 · €40k
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
Total assets
20/58€144k€159k▲
Fixed assets
21/28€3k€2k▼
Tangible fixed assets
22/27€3k€2k▼
Financial fixed assets
28€91€91=
Current assets
29/58€141k€157k▲
Amounts receivable within one year
40/41€42k€45k▲
Cash & bank
54/58€97k€110k▲
Total equity & liabilities
10/49€144k€159k▲
Equity
10/15€98k€77k▼
Contributions / capital
10/11€21k€21k=
Reserves
13€115€115=
Accumulated profits (losses)
14€77k€56k▼
Amounts payable
17/49€46k€82k▲
Amounts payable within one year
42/48€46k€82k▲
Trade debts payable within one year
44€15k€13k▼
Income statement
Code20242025
Gross operating margin
9900€53k€90k▲
Operating result
9901€9k€40k▲
Financial income
75€2€72▲
Financial charges
65€2k€2k▼
Result before taxes
9903€7k€39k▲
Income taxes
67/77€4k€9k▲
Net result for the period
9904€3k€29k▲
Result to be appropriated
9905€3k€29k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼31.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €104k ▲16.4%
4 profitable years in a row build equity to €104k.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
11-05
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
NOTTEBAERT DESART
BE 0632.895.702
Hamois · Eq €77k
ECOMPASS Business Academy
BE 0756.931.184
Maarkedal · Eq €77k
AFOREST BELGIUM
BE 0441.533.607
Charleroi · Eq €77k
ODITISO
BE 0804.166.820
Flémalle · Eq €77k
BELGIAN BRAIN COUNCIL
BE 0877.434.977
Brussel · Eq €78k
Of 3,002 companies in sector 85592 we hold annual accounts for 968. 719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2014
Fiscal year end31-12
Activities, NACEBEL
85592Vocational training
73110Advertising agencies
73200Market research and public opinion polling
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
74209Other photographic activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-08-2026. Scores and ratios are computed by Checked and are not a credit decision.