Techie
ActiveSummary
Techie has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €187,356 and a net result of €62,598. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 12.83 against 17.34 in 2023; short-term debt: 6.2% and cash: 72.7% of total assets), and 6.2% of the assets are financed with debt.
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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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
93.8%
Return on assets
31.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
49 d late
2022
on the day
2021
34 d early
2020
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€147,763▼ 26.0%
2020 · €199,706
EBIT margin
46.7%▲ 0.2pp
2020 · 46.5%
Net result
€62,598▼ 10.8%
2023 · €70,155
Working capital
€146,276▼ 7.6%
2023 · €158,255
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€199,706-€147,763▼ 26.0%
Operating result€92,831-€68,946▼ 25.7%€66,123▼ 4.1%€90,491▲ 36.9%€80,043▼ 11.5%
Net result€70,523above the sector's middle half-€53,252above the sector's middle half▼ 24.5%€50,370above the sector's middle half▼ 5.4%€70,155above the sector's middle half▲ 39.3%€62,598above the sector's middle half▼ 10.8%
EBIT margin46.5%-46.7%▲ 0.2pp
Equity€76,411within the sector's middle half-€128,863within the sector's middle half▲ 68.6%€178,433above the sector's middle half▲ 38.5%€178,877above the sector's middle half▲ 0.2%€187,356above the sector's middle half▲ 4.7%
Total assets€92,242within the sector's middle half-€151,784within the sector's middle half▲ 64.5%€182,195within the sector's middle half▲ 20.0%€188,563within the sector's middle half▲ 3.5%€199,720within the sector's middle half▲ 5.9%
Debt€15,831-€22,920▲ 44.8%€3,762▼ 83.6%€9,686▲ 157%€12,364▲ 27.6%
Working capital€81,819within the sector's middle half-€127,945above the sector's middle half▲ 56.4%€178,411above the sector's middle half▲ 39.4%€158,255above the sector's middle half▼ 11.3%€146,276above the sector's middle half▼ 7.6%
Solvency82.8%above the sector's middle half-84.9%above the sector's middle half▲ 2.1pp97.9%above the sector's middle half▲ 13.0pp94.9%above the sector's middle half▼ 3.1pp93.8%above the sector's middle half▼ 1.1pp
Current ratio11.31above the sector's middle half-6.58above the sector's middle half▼ 4.7349.67above the sector's middle half▲ 43.0917.34above the sector's middle half▼ 32.3312.83above the sector's middle half▼ 4.51
Return on assets (ROA)76.5%above the sector's middle half-35.1%above the sector's middle half▼ 41.4pp27.6%within the sector's middle half▼ 7.4pp37.2%above the sector's middle half▲ 9.6pp31.3%within the sector's middle half▼ 5.9pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 12% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €199,720
Fixed assets
€41,080 ▲ 99.2%
Current assets
€158,640 ▼ 5.5%
Equity and liabilities €199,720
Equity
€187,356 ▲ 4.7%
Debt
€12,364 ▲ 27.6%
Debt's share of the balance-sheet total rises from 5.1% to 6.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€82,363▼
2023 · €90,833
Cash flow
€64,918▼
2023 · €70,496
Debt to equity
0.07▲
2023 · 0.05
ROE
33.4%▼
2023 · 39.2%
Interest coverage
618.39▲
2023 · -9083316.00
Debt ≤ 1 year
€12,364▲
2023 · €9,686
Income taxes
€17,312▼
2023 · €20,337
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €199,706 | €147,763 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €87,454 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,667 | €741 | €800 | €342 | €2,320 | ▲ 579% |
| Other operating charges640/8 | - | €611 | €1,006 | €1,167 | €5,842 | ▲ 401% |
| Gross operating margin9900 | €97,642 | €70,298 | €67,928 | €92,000 | €88,206 | ▼ 4.1% |
| Operating profit (loss)9901 | €92,831 | €68,946 | €66,123 | €90,491 | €80,043 | ▼ 11.5% |
| Recurring financial income75 | €51 | - | - | - | - | - |
| Financial charges65/66B | - | €69 | €951 | -€0 | €133 | ▲ 1,332,000% |
| Recurring financial charges65 | €87 | €69 | €951 | -€0 | €133 | ▲ 1,332,000% |
| Profit (loss) for the period before taxes9903 | €92,794 | €68,877 | €65,172 | €90,491 | €79,910 | ▼ 11.7% |
| Income taxes67/77 | €22,272 | €15,625 | €14,802 | €20,337 | €17,312 | ▼ 14.9% |
| Profit (loss) for the period9904 | €70,523 | €53,252 | €50,370 | €70,155 | €62,598 | ▼ 10.8% |
| Profit (loss) for the period to be appropriated9905 | €70,523 | €53,252 | €50,370 | €70,155 | €62,598 | ▼ 10.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €92,242 | €151,784 | €182,195 | €188,563 | €199,720 | ▲ 5.9% |
| Fixed assets21/28 | €2,485 | €918 | €118 | €20,622 | €41,080 | ▲ 99.2% |
| Tangible fixed assets22/27 | €2,485 | €918 | €118 | €20,622 | €41,080 | ▲ 99.2% |
| Land and buildings22 | - | - | - | €20,622 | €28,282 | ▲ 37.1% |
| Plant, machinery and equipment23 | - | €918 | €118 | - | €2,010 | - |
| Furniture and vehicles24 | - | - | - | - | €10,789 | - |
| Current assets29/58 | €89,757 | €150,866 | €182,076 | €167,941 | €158,640 | ▼ 5.5% |
| Amounts receivable within one year40/41 | €15,002 | €14,747 | - | €12,485 | €13,412 | ▲ 7.4% |
| Trade receivables40 | - | €14,747 | - | €12,485 | €13,412 | ▲ 7.4% |
| Cash at bank and in hand54/58 | €74,755 | €136,119 | €182,076 | €155,455 | €145,228 | ▼ 6.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €92,242 | €151,784 | €182,195 | €188,563 | €199,720 | ▲ 5.9% |
| Equity10/15 | €76,411 | €128,863 | €178,433 | €178,877 | €187,356 | ▲ 4.7% |
| Contributions10/11 | - | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Reserves13 | €68,911 | €121,363 | €170,933 | €171,377 | €179,856 | ▲ 4.9% |
| Distributable reserves133 | - | €121,363 | €170,933 | €171,377 | €179,856 | ▲ 4.9% |
| Amounts payable17/49 | €15,831 | €22,920 | €3,762 | €9,686 | €12,364 | ▲ 27.6% |
| Amounts payable within one year42/48 | €7,938 | €22,920 | €3,666 | €9,686 | €12,364 | ▲ 27.6% |
| Trade debts44 | €353 | €2,864 | €1,279 | €2,526 | €10,268 | ▲ 307% |
| Suppliers440/4 | - | €2,864 | €1,279 | €2,526 | €8,026 | ▲ 218% |
| Bills of exchange payable441 | - | - | - | - | €2,242 | - |
| Taxes, remuneration and social security45 | - | €8,590 | €2,386 | €7,160 | €2,095 | ▼ 70.7% |
| Taxes450/3 | - | €8,590 | €2,386 | €7,160 | €2,095 | ▼ 70.7% |
| Other amounts payable47/48 | - | €11,467 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | €96 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,523 | €53,252 | €50,370 | €70,155 | €62,598 | ▼ 10.8% |
| + Depreciation and write-downs630 | €2,667 | €741 | €800 | €342 | €2,320 | ▲ 579% |
| Operating cash flow (approximation) | €73,190 | €53,993 | €51,170 | €70,496 | €64,918 | ▼ 7.9% |
| Investment in fixed assets (approximation) | - | €826 | €0 | -€20,845 | -€22,778 | ▼ 9.3% |
| Change in cash | - | €61,364 | €45,958 | -€26,621 | -€10,228 | ▲ 61.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €50,370 ▼5.4%
Net result drops to €50,370, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 49.67
Current ratio from 6.58 to 49.67; short-term debt falls from €22,920 to €3,666.
31-12
Financial
Equity above €150,000Eq €178,433 ▲38.5%
3 profitable years in a row build equity to €178,433.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €128,863 ▲68.6%
2 profitable years in a row build equity to €128,863.
29-06
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Duffel · 1 establishment unit since 2019
Ground area
488 m²
Building footprint
156 m²
Volume, LiDAR
827 m³
Parcel 12009E0356/00Y009, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Techie
since 20192.290.325.002
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12009E0356/00Y009 | Flanders | 488 m² | 1 · 156 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 30,009 companies in sector 62200 we hold annual accounts for 18,399. 14,894 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0728700919
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.