HOLDING TIMEZIO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €117k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 24% of 2413 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2413 sector peers (2025).
NBB · sector comparisonPosition among 2413 sector peers
Solvency
better than 24%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
on the day
2022
4 d early
← 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
€117k▲ 2.9%
2024 · €114k
2022: €114k
2023: €113k
2024: €114k
2022 → 2025
Net result
€3k▲ 124%
2024 · €1k
2022: €-6k
2023: €-2k
2024: €1k
2022 → 2025
Total assets
€662k▼ 2.7%
2024 · €681k
2022: €718k
2023: €699k
2024: €681k
2022 → 2025
Solvency
17.7%▲ 1.0pp
2024 · 16.7%
2022: 15.9%
2023: 16.1%
2024: 16.7%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€114k-€113k▼ 1.5%€114k▲ 1.3%€117k▲ 2.9%
Operating result€684-€13k▲ 1,758%€15k▲ 18.2%€16k▲ 7.0%
Net result€-6k-€-2k▲ 70.1%€1k€3k▲ 124%
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €662k
Fixed assets
€662k▼ 2.7%
Current assets
€35▲ 23.8%
Equity and liabilities €662k
Equity
€117k▲ 2.9%
Debt
€545k▼ 3.8%
The debt ratio falls from 83.3% to 82.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
17.7%▲
2024 · 16.7%
ROE
2.8%▲
2024 · 1.3%
ROA
0.5%▲
2024 · 0.2%
Debt
€545k▼
2024 · €567k
Debt ≤ 1 year
€135k▲
2024 · €111k
Debt > 1 year
€409k▼
2024 · €455k
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€681k€662k▼
Fixed assets21/28€681k€662k▼
Tangible fixed assets22/27€479k€460k▼
Land and buildings22€479k€460k▼
Financial fixed assets28€202k€202k=
Current assets29/58€28€35▲
Cash at bank and in hand54/58€28€35▲
Equity and liabilities
Total equity and liabilities10/49€681k€662k▼
Equity10/15€114k€117k▲
Contributions10/11€120k€120k=
Profit (loss) carried forward14€-6k€-3k▲
Amounts payable17/49€567k€545k▼
Amounts payable after more than one year17€455k€409k▼
Financial debts170/4€455k€409k▼
Amounts payable within one year42/48€111k€135k▲
Current portion of amounts payable after more than one year42€48k€50k▲
Trade debts44€157€1k▲
Suppliers440/4€157€1k▲
Other amounts payable47/48€62k€84k▲
Accrued charges and deferred income492/3€956€874▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€508€1k▲
Gross operating margin9900€34k€36k▲
Operating profit (loss)9901€15k€16k▲
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€1k€3k▲
Profit (loss) for the period9904€1k€3k▲
Profit (loss) for the period to be appropriated9905€1k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-3k▲
Profit (loss) brought forward from the previous period14P€-7k€-6k▲
The notes to these accounts (8 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €3k ▲124%
Operating result €16k, net result €3k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Thuin
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.
Rue de Beaumont(THL) 1366536 ThuinGround area
2,036 m²
Building footprint
160 m²
Volume, LiDAR
700 m³
Parcel 56010A0236/00F000, Wallonia · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56010A0236/00F000indicative | Wallonia | 2,036 m² | 1 · 160 m² | 5.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 591 companies in sector 66300 we hold annual accounts for 366. 245 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2021
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.