De Bondt Timothy
ActiveDe Bondt Timothy has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €44k. Equity is growing by ~63% per year across the filed fiscal years. Its solvency ranks better than 72% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-3
Solvency85▲+21
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 1.39 in 2024; short-term debt: 29.9% and cash: 10.7% of total assets), and 39.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
60.3%
Return on assets
21.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 5 filingsDeviation from the deadline
2025
29 d late
2024
28 d late
2023
28 d late
2022
7 d early
2021
61 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 53.7%
2024 · €82k
2021: €23k
2022: €24k
2023: €42k
2024: €82k
2021 → 2025
Total assets
€210k▼ 0.3%
2024 · €210k
2021: €216k
2022: €235k
2023: €222k
2024: €210k
2021 → 2025
Net result
€44k▼ 9.7%
2024 · €49k
2021: €27k
2022: €769
2023: €19k
2024: €49k
2021 → 2025
Working capital
€74k▲ 112%
2024 · €35k
2021: €-2k
2022: €-7k
2023: €5k
2024: €35k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€24k▲ 3.4%€42k▲ 79.7%€82k▲ 94.3%€127k▲ 53.7%
Operating result€39k-€5k▼ 87.6%€30k▲ 515%€65k▲ 119%€59k▼ 9.1%
Net result€27k-€769▼ 97.1%€19k▲ 2,345%€49k▲ 161%€44k▼ 9.7%
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 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€73k▼ 15.9%
Current assets
€137k▲ 10.8%
Equity and liabilities €210k
Equity
€127k▲ 53.7%
Debt
€83k▼ 35.0%
The debt ratio falls from 60.8% to 39.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▼
2024 · €80k
Cash flow
€60k▼
2024 · €64k
Solvency
60.3%▲
2024 · 39.2%
Current ratio
2.17▲
2024 · 1.39
Quick ratio
0.89▲
2024 · 0.50
Debt / equity
0.66▼
2024 · 1.55
ROE
34.9%▼
2024 · 59.5%
ROA
21.1%▼
2024 · 23.3%
Interest coverage
30.94▲
2024 · 23.71
Debt
€83k▼
2024 · €128k
Debt ≤ 1 year
€63k▼
2024 · €88k
Debt > 1 year
€20k▼
2024 · €40k
Income taxes
€15k▲
2024 · €15k
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
Assets
Total assets20/58€210k€210k▼
Fixed assets21/28€87k€73k▼
Intangible fixed assets21€75k€62k▼
Tangible fixed assets22/27€10k€9k▼
Land and buildings22€9k€7k▼
Plant, machinery and equipment23€2k€2k▲
Financial fixed assets28€2k€2k=
Current assets29/58€123k€137k▲
Stocks and contracts in progress3€79k€80k▲
Stocks30/36€79k€80k▲
Amounts receivable within one year40/41€20k€34k▲
Trade receivables40€15k€28k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€24k€22k▼
Deferred charges and accrued income490/1€140€142▲
Equity and liabilities
Total equity and liabilities10/49€210k€210k▼
Equity10/15€82k€127k▲
Contributions10/11€1k€1k=
Reserves13€80k€80k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€956€45k▲
Amounts payable17/49€128k€83k▼
Amounts payable after more than one year17€40k€20k▼
Financial debts170/4€40k€20k▼
Amounts payable within one year42/48€88k€63k▼
Current portion of amounts payable after more than one year42€25k€21k▼
Trade debts44€9k€20k▲
Suppliers440/4€9k€20k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Other amounts payable47/48€49k€14k▼
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€865€940▲
Gross operating margin9900€81k€76k▼
Operating profit (loss)9901€65k€59k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€95€314▲
Non-recurring financial income76B€2k€2k=
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€64k€59k▼
Income taxes67/77€15k€15k▲
Profit (loss) for the period9904€49k€44k▼
Profit (loss) for the period to be appropriated9905€49k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€45k▼
Profit (loss) brought forward from the previous period14P€882€956▲
Transfer to equity691/2€40k-
To other reserves6921€40k-
Profit to be distributed694/7€9k-
Directors or managers695€9k-
The notes to these accounts (10 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Equity above €100kEq €127k ▲53.7%
5 profitable years in a row build equity to €127k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2021net €49k ▲161%
Operating result €65k, net result €49k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €769 ▼97.1%
Net result drops to €769, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
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, Hamme (Vl.) · 1 establishment unit since 2020
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.
Gustaaf De Petterlaan 19220 Hamme (Vl.)Ground area
3,379 m²
Building footprint
999 m²
Volume, LiDAR
5,307 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Bondt Timothy
since 20202.309.785.972
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452B1137/00M000 | Flanders | 2,468 m² | 1 · 788 m² | 7.2 m · 2 fl. |
| 42008A1183/00N000 | Flanders | 912 m² | 1 · 210 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 1,467 companies in sector 47632 we hold annual accounts for 732. 638 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2020
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.