systemdb
ActiveSummary
systemdb has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €-12k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-88
Solvency100▲+11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 5.38 against 2.16 in 2024; short-term debt: 15% and cash: 37.7% of total assets), and 15% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
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 dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
85%
Return on assets
-15.5%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
15 d early
2024
80 d early
2023
27 d early
2022
11 d early
2021
2 d early
2020
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▼ 15.4%
2024 · €75k
2020: €27k
2021: €64k
2022: €118k
2023: €3k
2024: €75k
2020 → 2025
Total assets
€75k▼ 36.3%
2024 · €117k
2020: €58k
2021: €85k
2022: €156k
2023: €83k
2024: €117k
2020 → 2025
Net result
€-12k
2024 · €72k
2020: €25k
2021: €37k
2022: €54k
2023: €52k
2024: €72k
2020 → 2025
Working capital
€49k▲ 0.5%
2024 · €49k
2020: €22k
2021: €43k
2022: €91k
2023: €-22k
2024: €49k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€118k▲ 83.5%€3k▼ 97.9%€75k▲ 2,895%€63k▼ 15.4%
Operating result€49k-€67k▲ 35.3%€67k▲ 0.8%€95k▲ 40.9%€-11k
Net result€37k-€54k▲ 45.0%€52k▼ 2.8%€72k▲ 39.2%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €95k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€14k ▼ 44.9%
Current assets
€60k ▼ 33.8%
Equity and liabilities €75k
Equity
€63k ▼ 15.4%
Debt
€11k ▼ 73.5%
Debt's share of the balance-sheet total falls from 36.0% to 15.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€954▼
2024 · €106k
Cash flow
€222▼
2024 · €83k
Current ratio
5.38▲
2024 · 2.16
Debt to equity
0.18▼
2024 · 0.56
ROE
-18.2%▼
2024 · 96.7%
ROA
-15.5%▼
2024 · 61.9%
Interest coverage
1.49▼
2024 · 32.92
Debt ≤ 1 year
€11k▼
2024 · €42k
Income taxes
€94▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€117k€75k▼
Fixed assets21/28€26k€14k▼
Tangible fixed assets22/27€26k€14k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€10k€5k▼
Other tangible fixed assets26€14k€8k▼
Current assets29/58€91k€60k▼
Amounts receivable within one year40/41€21k€21k▲
Trade receivables40€20k€11k▼
Other amounts receivable41€369€10k▲
Cash at bank and in hand54/58€57k€28k▼
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€117k€75k▼
Equity10/15€75k€63k▼
Contributions10/11€3k€3k=
Reserves13€72k€61k▼
Distributable reserves133€72k€61k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€42k€11k▼
Amounts payable within one year42/48€42k€11k▼
Financial debts43€585€0▼
Credit institutions430/8€585€0▼
Trade debts44€3k€11k▲
Suppliers440/4€3k€11k▲
Taxes, remuneration and social security45€16k€0▼
Taxes450/3€16k€0▼
Other amounts payable47/48€22k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€1k€540▼
Gross operating margin9900€107k€1k▼
Operating profit (loss)9901€95k€-11k▼
Financial income75/76B€149€1▼
Recurring financial income75€149€1▼
Financial charges65/66B€3k€638▼
Recurring financial charges65€3k€638▼
Profit (loss) for the period before taxes9903€92k€-11k▼
Income taxes67/77€19k€94▼
Profit (loss) for the period9904€72k€-12k▼
Profit (loss) for the period to be appropriated9905€72k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€-12k▼
Transfer from equity791/2€0€12k▲
Transfer to equity691/2€72k€0▼
To other reserves6921€72k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (6 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k ▼116%
Net result drops to €-12k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.38
Current ratio from 2.16 to 5.38; short-term debt falls from €42k to €11k.
12-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €72k ▲39.2%
Operating result €95k, net result €72k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.16
Current ratio from 0.72 to 2.16; short-term debt falls from €80k to €42k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €118k ▲83.5%
3 profitable years in a row build equity to €118k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Geel · 1 establishment unit since 2019
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.
Poiel 72440 GeelGround area
2,039 m²
Building footprint
163 m²
Volume, LiDAR
1,168 m³
Parcel 13376G0353/00R000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
systemdb
since 20192.295.957.534
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13376G0353/00R000 | Flanders | 2,039 m² | 1 · 163 m² | 10.5 m · 2 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.
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FIJIA
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BE 0803.025.782
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UNAMEDO CONSULTING
BE 0741.789.979
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,905 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63920Other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jef@debusser.be