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360Now

Active
Private limited companyfounded 20232 yrs activeKonijnepijpweg(Odk) 5, 8670 Koksijde, BelgiumKBO/BCE: BE 1002.060.379
Summary

The annual accounts of 360Now for fiscal year 2025 show a net loss of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €481 and a net result of -€16,208. Its solvency ranks better than 15% of 3505 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability18▼-72
Solvency25▼-19
Growth32
Track record82
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.19 against 0.73 in 2024; short-term debt: 13.5% and cash: 0.8% of total assets), and 99.5% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 2025
Solvency, return and age of the figures
Solvency
0.5%
Return on assets
-16.8%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 3505 sector peers (2025).
NBB · sector comparison
Position among 3505 sector peers
Solvency
better than 15%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
35 d early
2024
51 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 43 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 8 November 2023, 360Now was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€481▼ 97.1%
2024 · €16,689
Total assets
€96,261▲ 9.9%
2024 · €87,586
Net result
-€16,208
2024 · €14,689
Working capital
-€10,452▼ 18.2%
2024 · -€8,841
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical 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
Line20242025
Operating result€21,589--€12,731
Net result€14,689within the sector's middle half--€16,208below the sector's middle half
Equity€16,689within the sector's middle half-€481below the sector's middle half▼ 97.1%
Total assets€87,586within the sector's middle half-€96,261within the sector's middle half▲ 9.9%
Debt€70,897-€95,779▲ 35.1%
Working capital-€8,841--€10,452▼ 18.2%
Solvency19.1%within the sector's middle half-0.5%below the sector's middle half▼ 18.6pp
above within below the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical 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
-€20,000-€10,000€0€10,000€20,000Operating result 2024: €21,589€21,589Net result 2024: €14,689€14,689Operating result 2025: -€12,731-€12,731Net result 2025: -€16,208-€16,20820242025-€20,000-€10,000€0€10,000€20,000Operating result 2024: €21,589€21,600Net result 2024: €14,689€14,700Operating result 2025: -€12,731-€12,700Net result 2025: -€16,208-€16,20020242025
The operating result turns negative in 2025: a loss of €12,731 after €21,589 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96,261
Fixed assets €93,730 ▲ 47.1%
Current assets €2,531 ▼ 89.4%
Equity and liabilities €96,261
Equity €481 ▼ 97.1%
Debt €95,779 ▲ 35.1%
Debt's share of the balance-sheet total rises from 80.9% to 99.5%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€7,669▼
2024 · €32,859
Cash flow
€4,192▼
2024 · €25,959
Current ratio
0.19▼
2024 · 0.73
ROA
-16.8%▼
2024 · 16.8%
Interest coverage
2.21▼
2024 · 14.44
Debt ≤ 1 year
€12,983▼
2024 · €32,697
Debt > 1 year
€82,797▲
2024 · €38,199
Equity ratios withheld: equity of €481 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 759 companies that looked in July 2024 the way this one looks now, 7.5% went bankrupt within 24 months and 86% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more
7.5% went bankrupt
4.5% stopped otherwise
86% still going

A further 1.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 759 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€87,586€96,261▲
Fixed assets21/28€63,730€93,730▲
Tangible fixed assets22/27€63,730€93,730▲
Land and buildings22-€45,000
Plant, machinery and equipment23€4,249€3,249▼
Furniture and vehicles24€59,481€45,481▼
Current assets29/58€23,856€2,531▼
Amounts receivable within one year40/41€4,829€1,776▼
Trade receivables40€4,782€1,686▼
Other amounts receivable41€47€90▲
Cash at bank and in hand54/58€19,027€755▼
Equity and liabilities
Total equity and liabilities10/49€87,586€96,261▲
Equity10/15€16,689€481▼
Contributions10/11€2,000€2,000=
Reserves13€14,689-
Distributable reserves133€14,689-
Profit (loss) carried forward14--€1,519
Amounts payable17/49€70,897€95,779▲
Amounts payable after more than one year17€38,199€82,797▲
Financial debts170/4€38,199€82,797▲
Amounts payable within one year42/48€32,697€12,983▼
Current portion of amounts payable after more than one year42€24,051€12,230▼
Trade debts44€1,401-
Suppliers440/4€1,401-
Taxes, remuneration and social security45€7,246€752▼
Taxes450/3€7,246€752▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,271€20,400▲
Other operating charges640/8€733€611▼
Gross operating margin9900€33,592€8,280▼
Operating profit (loss)9901€21,589-€12,731▼
Financial charges65/66B€2,276€3,477▲
Recurring financial charges65€2,276€3,477▲
Profit (loss) for the period before taxes9903€19,313-€16,208▼
Income taxes67/77€4,624-
Profit (loss) for the period9904€14,689-€16,208▼
Profit (loss) for the period to be appropriated9905€14,689-€16,208▼
Appropriation of the result
Profit (loss) to be appropriated9906€14,689-€16,208▼
Transfer from equity791/2-€14,689
Transfer to equity691/2€14,689-
To other reserves6921€14,689-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,271€20,400▲ 81.0%
Other operating charges640/8€733€611▼ 16.7%
Gross operating margin9900€33,592€8,280▼ 75.4%
Operating profit (loss)9901€21,589-€12,731▼ 159%
Financial charges65/66B€2,276€3,477▲ 52.8%
Recurring financial charges65€2,276€3,477▲ 52.8%
Profit (loss) for the period before taxes9903€19,313-€16,208▼ 184%
Income taxes67/77€4,624--
Profit (loss) for the period9904€14,689-€16,208▼ 210%
Profit (loss) for the period to be appropriated9905€14,689-€16,208▼ 210%
Line20242025Change
Assets
Total assets20/58€87,586€96,261▲ 9.9%
Fixed assets21/28€63,730€93,730▲ 47.1%
Tangible fixed assets22/27€63,730€93,730▲ 47.1%
Land and buildings22-€45,000-
Plant, machinery and equipment23€4,249€3,249▼ 23.5%
Furniture and vehicles24€59,481€45,481▼ 23.5%
Current assets29/58€23,856€2,531▼ 89.4%
Amounts receivable within one year40/41€4,829€1,776▼ 63.2%
Trade receivables40€4,782€1,686▼ 64.7%
Other amounts receivable41€47€90▲ 89.7%
Cash at bank and in hand54/58€19,027€755▼ 96.0%
Equity and liabilities
Total equity and liabilities10/49€87,586€96,261▲ 9.9%
Equity10/15€16,689€481▼ 97.1%
Contributions10/11€2,000€2,000=
Reserves13€14,689--
Distributable reserves133€14,689--
Profit (loss) carried forward14--€1,519-
Amounts payable17/49€70,897€95,779▲ 35.1%
Amounts payable after more than one year17€38,199€82,797▲ 117%
Financial debts170/4€38,199€82,797▲ 117%
Amounts payable within one year42/48€32,697€12,983▼ 60.3%
Current portion of amounts payable after more than one year42€24,051€12,230▼ 49.1%
Trade debts44€1,401--
Suppliers440/4€1,401--
Taxes, remuneration and social security45€7,246€752▼ 89.6%
Taxes450/3€7,246€752▼ 89.6%
Line20242025Change
Profit (loss) for the period9904€14,689-€16,208▼ 210%
+ Depreciation and write-downs630€11,271€20,400▲ 81.0%
Operating cash flow (approximation)€25,959€4,192▼ 83.9%
Investment in fixed assets (approximation)--€50,400-
Change in cash--€18,272-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
26-03
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
10-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Koksijde · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
881 m²
Building footprint
176 m²
Volume, LiDAR
1,034 m³
Parcel 38018A0362/00A000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
360Now
Konijnepijpweg(Odk) 5, 8670 KoksijdeFinancial service activities, except insurance and pension funding
since 20232.351.688.190
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
38018A0362/00A000 Flanders 881 m² 1 · 176 m² 8.2 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.

Similar companies · same sector, comparable size

Of 14,138 companies in sector 74201 we hold annual accounts for 2,611. 125 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
Founded08-11-2023
Fiscal year end30-09
Activities, NACEBEL 2025
74201Photography, excluding press photography
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:1002060379
Also 9925:BE1002060379
Registered 06-10-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.