Handsoftime
ActiveHandsoftime has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354k and a net result of €57k. Equity is shrinking by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+13
Solvency97▼-3
Growth58=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.45 in 2024; short-term debt: 27.4% and cash: 31.4% of total assets), and 27.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
72.3%
Return on assets
11.6%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
63 d early
2024
69 d early
2023
28 d early
2022
32 d late
2021
248 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€57k▲ 1,130%
2024 · €5k
2022: €-12k
2023: €5k
2024: €5k
2022 → 2025
Working capital
€35k▼ 29.9%
2024 · €50k
2022: €165k
2023: €123k
2024: €50k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€476k-€481k▲ 1.1%€388k▼ 19.3%€354k▼ 8.8%
Operating result€-11k-€8k€9k▲ 17.1%€89k▲ 854%
Net result€-12k-€5k€5k▼ 9.1%€57k▲ 1,130%
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 854% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €489k
Fixed assets
€320k▼ 5.7%
Current assets
€169k▲ 4.0%
Equity and liabilities €489k
Equity
€354k▼ 8.8%
Debt
€135k▲ 19.0%
The debt ratio rises from 22.7% to 27.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€113k▲
2024 · €35k
Cash flow
€81k▲
2024 · €30k
Solvency
72.3%▼
2024 · 77.3%
Current ratio
1.26▼
2024 · 1.45
Quick ratio
1.26▼
2024 · 1.45
Debt / equity
0.38▲
2024 · 0.29
ROE
16.1%▲
2024 · 1.2%
ROA
11.6%▲
2024 · 0.9%
Interest coverage
57.55▼
2024 · 386.02
Debt
€135k▲
2024 · €114k
Debt ≤ 1 year
€134k▲
2024 · €112k
Income taxes
€31k▲
2024 · €5k
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€502k€489k▼
Fixed assets21/28€339k€320k▼
Tangible fixed assets22/27€166k€147k▼
Furniture and vehicles24€24k€766▼
Other tangible fixed assets26€142k€146k▲
Financial fixed assets28€173k€173k=
Current assets29/58€163k€169k▲
Amounts receivable within one year40/41€3k€14k▲
Trade receivables40€1€14k▲
Other amounts receivable41€3k€0▼
Cash at bank and in hand54/58€159k€153k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€502k€489k▼
Equity10/15€388k€354k▼
Contributions10/11€47k€47k=
Reserves13€24k€80k▲
Non-distributable reserves130/1€19k€19k=
Reserves not available under the articles1311€0-
Other1319€19k€19k=
Distributable reserves133€5k€61k▲
Profit (loss) carried forward14€317k€226k▼
Amounts payable17/49€114k€135k▲
Amounts payable within one year42/48€112k€134k▲
Trade debts44€788€926▲
Suppliers440/4€788€926▲
Taxes, remuneration and social security45€43k€46k▲
Taxes450/3€43k€46k▲
Other amounts payable47/48€68k€87k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€24k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€37k€115k▲
Operating profit (loss)9901€9k€89k▲
Financial charges65/66B€90€2k▲
Recurring financial charges65€90€2k▲
Profit (loss) for the period before taxes9903€9k€87k▲
Income taxes67/77€5k€31k▲
Profit (loss) for the period9904€5k€57k▲
Profit (loss) for the period to be appropriated9905€5k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€419k€374k▼
Profit (loss) brought forward from the previous period14P€414k€317k▼
Transfer from equity791/2€4k€0▼
Transfer to equity691/2€9k€57k▲
To contributions691€4k€0▼
To other reserves6921€5k€57k▲
Profit to be distributed694/7€98k€91k▼
Return on contributions (dividend)694€98k€91k▼
The notes to these accounts (7 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €57k ▲1130%
Operating result €89k, net result €57k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 248 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, Overijse
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.
Sparrenlaan 193090 OverijseGround area
1,879 m²
Building footprint
190 m²
Volume, LiDAR
1,892 m³
Parcel 23062M0221/00C000, Flanders · tallest building 26.3 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062M0221/00C000 | Flanders | 1,879 m² | 1 · 190 m² | 26.3 m · 3 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.
Similar companies · same sector, comparable size
PORQUIN
BE 0446.663.818
Oostkamp · Eq €354k
TRAFFICONLINE
BE 0668.450.358
Torhout · Eq €354k
DESMYTTERE MARKETINGADVIES
BE 0887.356.592
Sint-Martens-Latem · Eq €354k
KATELLE
BE 0765.873.792
Knokke-Heist · Eq €354k
ASIENTO
BE 0866.602.057
Kapelle-op-den-Bos · Eq €354k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2022
Fiscal year end31-12
Abbreviation NL
HofT
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
77400Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.