Age3 yrs
Real estate1 parcel · 1,886 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of The Nines is 0.8% (low). The 2024 annual accounts show equity of €2k and a net result of €-8k. Its solvency ranks better than 11% of 7349 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.8%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 7349 sector peers (2024).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 04-07-2025 | 27 d early | 2025-00228363 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-8k
Working capital€-338
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 8.3% | 65.0% | |
| Net result | €-8k | €32k | |
| Equity | €2k | €58k | |
| Gross operating margin | €-5k | €52k | |
| Total assets | €28k | €103k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-6k |
| Net profit | €-8k |
| Cash flow | €-6k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €28k |
| Equity | €2k |
| Debt | €26k |
| of which ≤ 1y | €26k |
| of which > 1y | - |
| Working capital | €-338 |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.99 |
| Quick ratio | 0.99 |
| Working capital ratio | -1.2% |
| Solvency | 8.3% |
| Debt / equity | 11.11 |
| Long-term debt ratio | - |
| Interest coverage | -11.66 |
| Gross margin | - |
| Net margin | - |
| ROA | -26.9% |
| ROE | -325.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €28k |
| Fixed assets | 21/28 | €3k |
| Tangible fixed assets | 22/27 | €3k |
| Current assets | 29/58 | €26k |
| Amounts receivable within one year | 40/41 | €15k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €28k |
| Equity | 10/15 | €2k |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €-8k |
| Amounts payable | 17/49 | €26k |
| Amounts payable within one year | 42/48 | €26k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €-5k |
| Operating result | 9901 | €-7k |
| Financial income | 75 | €31 |
| Financial charges | 65 | €500 |
| Result before taxes | 9903 | €-8k |
| Net result for the period | 9904 | €-8k |
| Result to be appropriated | 9905 | €-8k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed10
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Pastoor Van Mierlolaan 363550 Heusden-ZolderEstablishment units
1 locationThe Nines
since 20232.343.794.766
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,886 m²
Buildings1
Building footprint999 m²
Volume (LiDAR)8,618 m³
Tallest building13.6 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502B0820/00L002 | Flanders | 1,885 m² | 1 · 999 m² | 13.6 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
18-07-2023
Registered-office move
All acts · 1
updated 3 years ago
2023
18-07-2023 Registered office moved within Heusden-Zolder
- Pastoor van Mierlolaan 36, 3550 Heusden-Zolder → Pastoor van Mierlolaan 36 bus 1-3550 Heusden-Zolder
Analysis
Snowflake analysis
financial profile on 5 axes26
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
10
Profitability
0
Solvency
16
Growth
-
Stability
79
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,809 of the 16,739 companies in this sector. 735 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Detailhandel in ICT-apparatuur47400Detailhandel in computers, randapparatuur en software in gespecialiseerde winkels47410Computerconsultancy-activiteiten62020Overige diensten op het gebied van informatietechnologie en computer62090Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige diensten op het gebied van informatietechnologie en computer62900Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Reparatie en onderhoud van computers en communicatieapparatuur95100Reparatie van computers en randapparatuur95110
Primary activity highlighted.
Names & trade names
| Legal nameNL | The Nines |
Registered office
Pastoor Van Mierlolaan 36 bus 1
3550 Heusden-Zolder, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.