Summary
OneToWatch 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 €104,702 and a net result of €65,933. Its solvency ranks better than 75% of 2469 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
27 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 14 days before the deadline; the sector median for financial year 2024 is 5 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€104,702▲ 170%
2024 · €38,770
Net result
€65,933▲ 84.3%
2024 · €35,770
Total assets
€137,376▲ 170%
2024 · €50,833
Solvency
76.2%▼ 0.1pp
2024 · 76.3%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€45,982-€84,660▲ 84.1%
Net result€35,770within the sector's middle half-€65,933within the sector's middle half▲ 84.3%
Equity€38,770within the sector's middle half-€104,702within the sector's middle half▲ 170%
Total assets€50,833below the sector's middle half-€137,376within the sector's middle half▲ 170%
Debt€12,064-€32,674▲ 171%
Working capital€11,002within the sector's middle half-€36,813within the sector's middle half▲ 235%
Solvency76.3%within the sector's middle half-76.2%above the sector's middle half▼ 0.1pp
Current ratio1.91within the sector's middle half-2.13within the sector's middle half▲ 0.21
Return on assets (ROA)70.4%above the sector's middle half-48.0%above the sector's middle half▼ 22.4pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
The operating result rises in 2025; 2025 is 84% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137,376
Fixed assets
€67,889 ▲ 144%
Current assets
€69,487 ▲ 202%
Equity and liabilities €137,376
Equity
€104,702 ▲ 170%
Debt
€32,674 ▲ 171%
Debt's share of the balance-sheet total rises from 23.7% to 23.8%. Equity and debt are higher.
Key figures and ratios
ROE
63.0%▼
2024 · 92.3%
Debt ≤ 1 year
€32,674▲
2024 · €12,027
Income taxes
€18,478▲
2024 · €9,361
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,747 | €6,639 | ▲ 280% |
| Other operating charges640/8 | - | €1,666 | - |
| Gross operating margin9900 | €47,729 | €92,966 | ▲ 94.8% |
| Operating profit (loss)9901 | €45,982 | €84,660 | ▲ 84.1% |
| Financial income75/76B | €50 | €2,218 | ▲ 4,298% |
| Recurring financial income75 | €50 | €2,218 | ▲ 4,298% |
| Financial charges65/66B | €902 | €2,468 | ▲ 174% |
| Recurring financial charges65 | €902 | €2,468 | ▲ 174% |
| Profit (loss) for the period before taxes9903 | €45,130 | €84,411 | ▲ 87.0% |
| Income taxes67/77 | €9,361 | €18,478 | ▲ 97.4% |
| Profit (loss) for the period9904 | €35,770 | €65,933 | ▲ 84.3% |
| Profit (loss) for the period to be appropriated9905 | €35,770 | €65,933 | ▲ 84.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €50,833 | €137,376 | ▲ 170% |
| Fixed assets21/28 | €27,804 | €67,889 | ▲ 144% |
| Tangible fixed assets22/27 | €7,804 | €47,889 | ▲ 514% |
| Furniture and vehicles24 | €7,804 | €21,009 | ▲ 169% |
| Leasing and similar rights25 | - | €26,880 | - |
| Financial fixed assets28 | €20,000 | €20,000 | = |
| Current assets29/58 | €23,029 | €69,487 | ▲ 202% |
| Amounts receivable within one year40/41 | €8,643 | €1,614 | ▼ 81.3% |
| Other amounts receivable41 | €8,643 | €1,614 | ▼ 81.3% |
| Cash at bank and in hand54/58 | €11,918 | €63,661 | ▲ 434% |
| Deferred charges and accrued income490/1 | €2,468 | €4,212 | ▲ 70.7% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €50,833 | €137,376 | ▲ 170% |
| Equity10/15 | €38,770 | €104,702 | ▲ 170% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Reserves13 | €35,770 | €101,702 | ▲ 184% |
| Distributable reserves133 | €35,770 | €101,702 | ▲ 184% |
| Amounts payable17/49 | €12,064 | €32,674 | ▲ 171% |
| Amounts payable within one year42/48 | €12,027 | €32,674 | ▲ 172% |
| Trade debts44 | €2,666 | €4,835 | ▲ 81.3% |
| Suppliers440/4 | €2,666 | €4,835 | ▲ 81.3% |
| Taxes, remuneration and social security45 | €9,361 | €27,839 | ▲ 197% |
| Taxes450/3 | €9,361 | €27,839 | ▲ 197% |
| Accrued charges and deferred income492/3 | €36 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €35,770 | €65,933 | ▲ 84.3% |
| + Depreciation and write-downs630 | €1,747 | €6,639 | ▲ 280% |
| Operating cash flow (approximation) | €37,516 | €72,572 | ▲ 93.4% |
| Investment in fixed assets (approximation) | - | -€46,725 | - |
| Change in cash | - | €51,742 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100,000Eq €104,702 ▲170%
2 profitable years in a row build equity to €104,702.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tremelo · 1 establishment unit since 2024
Ground area
1,067 m²
Building footprint
128 m²
Volume, LiDAR
794 m³
Parcel 24109A0060/00M006, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
OneToWatch
since 20242.357.652.207
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109A0060/00M006 | Flanders | 1,066 m² | 1 · 128 m² | 9.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500569B757BC46D60
Similar companies · same sector, comparable size
CGA INTERNATIONAL
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BENFICO
BE 0767.715.309
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B-DS FINANCE
BE 0640.858.709
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ERIK VERHEYEN
BE 0688.580.729
Dilsen-Stokkem · Eq €105,025
Of 4,671 companies in sector 66220 we hold annual accounts for 3,220. 2,711 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
Founded25-03-2024
Fiscal year end31-12
Abbreviation NL
OTW
Activities, NACEBEL 2025
66220Insurance agents and brokers
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:1007546225
Also
9925:BE1007546225
Registered
12-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.