Equity
-€31,163
Debts exceed assets in financial year 2025.
Meet-time
Lifetime
8 annual accounts with figures on one time axispeak €57,131 (2019)
€41,751▼ 25.3%
lowest -€22,440 (2018)
-€4,483▼ €13,945
peak -€12,587 (2019)
-€31,163▼ €4,483
€62,145▲ 11.3%
peak 1.9 FTE (2019)
-not published
Board2 names since 2017
2 directorsLEMMENS Tom and 1 other
Documentsfilings and deeds
10-08-202610 days late
2025micro format
Gross margin from €55,895 to €41,751Loss of €4,483Equity from -€26,680 to -€31,163Cash from €15,385 to €20,179
Key points
from the 2025 annual accountsDebts
€62,145 201% of the balance sheet
Financial debts 3%Suppliers 11%Taxes and wages 28%Other 59%
Of this, €60,477 falls due within a year.
Staff
2 employees on 31-12-2025
In 2025, 115 short contracts started and 115 ended, on average 16 hours worked per contract. Staff averaged 2 full-time equivalents.
Filings
8 annual accounts 3 late
The 2018 accounts came latest: 20 days after the end of the period.
Board
1 left
A director left. Latest change 01-07-2026 · 1 in office.
Position in the sector
-100.6%
Lower solvency than 91% of companies in retail trade. Sector median 33.1% · 22,939 companies.
Checked score
54
Fair
Financially stronger than 23% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.0%
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.0%● unchanged vs 06-2025
08-2025: 1.5%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 0.7%▼ -0.8 percentage points vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026lowest value
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 1.2%▲ +0.5 percentage points vs 07-2026
09-2026: 1.0%▼ -0.2 percentage points vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€31,163
Loss of €4,483 (financial year 2025)
lowers risk
Size: total assets €30,982
Liquidity: current ratio 0.44, cash €20,179
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 52% on liquidity, 13% on profitability and 22% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as Meet-time has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Meet-time itself is lower: 1.0% within 12 months. It rests on far more data about Meet-time than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for Meet-time. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.44 (0.46 in 2024), below 1. Short-term debt is 195.2% and cash 65.1% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€31,163
raises risk · 2025 accounts filed 10 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 8 filingsDeviation from the deadline
2025
10 days late
2024
4 days late
2023
58 days early
2022
32 days early
2021
60 days early
2020
51 days early
2019
59 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 35 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 5 accounts filed within 36 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Resignation: Luc Lemmens (manager)
General meeting of 01-09-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0678583294
Reappointments: LEMMENS Luc (director) and LEMMENS Tom (director)
“nieuw voorwerp” (deed in Dutch) · Gazette deed
Incorporation
Founders: LEMMENS Tom and LEMMENS Luc Louis Frans · Founding capital of €18,550, 100 shares · Appointments: LEMMENS Tom (manager) and LEMMENS Luc Louis Frans (manager) · published on 17-07-2017 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Meet-time Rumst | €30,982 | €41,751 | -100.6% | - |
| L'EPI DES SABLES Verviers | €31,484 | €44,747 | 79.2% | - |
| MADEMOISELLE MERINGUE Etterbeek | €29,602 | €40,802 | 30.2% | - |
| DE UITVOLKORENEN Ninove | €34,346 | €32,611 | 22.3% | - |
| ATLAS MARKET Sint-Pieters-Leeuw | €37,441 | €45,875 | -37.6% | - |
| UCHAB Schaerbeek | €41,903 | €43,322 | 63.2% | - |
| COOKIES ETC Ecaussinnes | €39,111 | €54,286 | 7.5% | - |
These companies have the same main activity as Meet-time: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €29,600 and €41,900, founded between 2015 and 2019.
Official details
Source: KBO- Status
- Active since 13-07-2017Normal situation
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241and 1 other
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment unit
- 2.266.338.5832840 Rumst, since 13-07-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 13-05-2025
Annual accounts 2025
- ≈ €400,000estimated
- €30,982▲ 6.3%
- Employeeson 31-12-2025
- 2=
- Filing
- Filed on 10-08-2026
Insights on Meet-time
Meet-time files the micro format. That format states no turnover. The gross margin fell from €49,707 in 2018 to €41,751 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Meet-time
- What is the company number of Meet-time?
- The company number of Meet-time is 0678.583.294. The VAT number is the same number with BE in front: BE 0678.583.294.
- Where is Meet-time based?
- The registered office is at Tuinwijk 68, 2840 Rumst.Company details
- What does Meet-time do?
- According to the KBO register, the main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241).
- What is the legal form of Meet-time?
- Meet-time is a private limited company (BV).
- When was Meet-time founded?
- Meet-time was founded on 13-07-2017.
- Is Meet-time still active?
- Yes, Meet-time is an active enterprise in the KBO register.
- How many employees does Meet-time have?
- Meet-time had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Meet-time fall under?
- In its 2025 annual accounts, Meet-time states joint committee 302 (Hotels and catering).
- What is the turnover of Meet-time?
- The turnover in financial year 2025 is ≈ €400,000. This figure is estimated from the gross margin of €41,751 and 48 comparable companies (NACE 472). It probably lies between €230,000 and €700,000.
- Is Meet-time profitable?
- In financial year 2025, Meet-time made a loss of €4,483.
- Where can I find the annual accounts of Meet-time?
- Meet-time filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Meet-time due?
- Meet-time must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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