onetowin
Activeonetowin has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €433k and a net result of €6k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 17% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+43
Solvency38▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.1 in 2024; short-term debt: 86.2% and cash: 6.3% of total assets), and 87% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
13%
Return on assets
0.2%
Age of the figures
10 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 30-06-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
13 d early
2023
9 d early
2022
on the day
2021
29 d late
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€433k▲ 1.5%
2024 · €427k
2018: €424k
2019: €424k
2020: €345k
2021: €446k
2022: €547k
2023: €552k
2024: €427k
2018 → 2025
Total assets
€3.34M▼ 4.6%
2024 · €3.50M
2018: €2.19M
2019: €2.28M
2020: €2.90M
2021: €3.36M
2022: €4.13M
2023: €3.77M
2024: €3.50M
2018 → 2025
Net result
€6k
2024 · €-125k
2018: €3k
2019: €236
2020: €-79k
2021: €101k
2022: €101k
2023: €5k
2024: €-125k
2018 → 2025
Working capital
€249k▼ 16.6%
2024 · €298k
2018: €309k
2019: €379k
2020: €264k
2021: €355k
2022: €416k
2023: €437k
2024: €298k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€446k-€547k▲ 22.6%€552k▲ 0.9%€427k▼ 22.7%€433k▲ 1.5%
Operating result€170k-€182k▲ 7.2%€51k▼ 72.1%€-96k€43k
Net result€101k-€101k▲ 0.2%€5k▼ 94.9%€-125k€6k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €43k after a loss of €96k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.34M
Fixed assets
€211k▲ 64.5%
Current assets
€3.13M▼ 7.2%
Equity and liabilities €3.34M
Equity
€433k▲ 1.5%
Debt
€2.91M▼ 5.4%
The debt ratio falls from 87.8% to 87.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €-65k
Cash flow
€54k▲
2024 · €-94k
Solvency
13.0%▲
2024 · 12.2%
Current ratio
1.09▼
2024 · 1.10
Quick ratio
1.09▼
2024 · 1.10
Debt / equity
6.72▼
2024 · 7.21
ROE
1.5%▲
2024 · -29.3%
ROA
0.2%▲
2024 · -3.6%
Interest coverage
4.52▲
2024 · -2.18
Debt
€2.91M▼
2024 · €3.08M
Debt ≤ 1 year
€2.88M▼
2024 · €3.08M
Debt > 1 year
€26k
Income taxes
€23k▲
2024 · €4k
Staff costs
€1.05M▼
2024 · €1.47M
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€3.50M€3.34M▼
Fixed assets21/28€128k€211k▲
Intangible fixed assets21€51k€140k▲
Tangible fixed assets22/27€14k€8k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€9k€1k▼
Other tangible fixed assets26€2k€6k▲
Financial fixed assets28€63k€63k=
Current assets29/58€3.37M€3.13M▼
Amounts receivable after more than one year29€174k€174k=
Other amounts receivable291€174k€174k=
Amounts receivable within one year40/41€3.17M€2.71M▼
Trade receivables40€2.51M€2.07M▼
Other amounts receivable41€661k€646k▼
Current investments50/53€0-
Cash at bank and in hand54/58€2k€211k▲
Deferred charges and accrued income490/1€28k€32k▲
Equity and liabilities
Total equity and liabilities10/49€3.50M€3.34M▼
Equity10/15€427k€433k▲
Contributions10/11€359k€359k=
Reserves13€68k€74k▲
Non-distributable reserves130/1€36k€36k=
Reserves not available under the articles1311€36k€36k=
Distributable reserves133€32k€39k▲
Amounts payable17/49€3.08M€2.91M▼
Amounts payable after more than one year17-€26k
Financial debts170/4-€26k
Amounts payable within one year42/48€3.08M€2.88M▼
Current portion of amounts payable after more than one year42€141k€149k▲
Financial debts43€717k€730k▲
Credit institutions430/8€717k€730k▲
Trade debts44€2.05M€1.90M▼
Suppliers440/4€2.05M€1.90M▼
Taxes, remuneration and social security45€167k€101k▼
Taxes450/3€63k€9k▼
Remuneration and social security454/9€104k€92k▼
Other amounts payable47/48€4k€4k▲
Accrued charges and deferred income492/3€0€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.47M€1.05M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€48k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€152k▲
Other operating charges640/8€10k€11k▲
Gross operating margin9900€1.42M€1.31M▼
Operating profit (loss)9901€-96k€43k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€30k€20k▼
Recurring financial charges65€30k€20k▼
Profit (loss) for the period before taxes9903€-121k€29k▲
Income taxes67/77€4k€23k▲
Profit (loss) for the period9904€-125k€6k▲
Profit (loss) for the period to be appropriated9905€-125k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-125k€6k▲
Transfer from equity791/2€125k€0▼
Transfer to equity691/2€0€6k▲
To other reserves6921€0€6k▲
Social balance
Average headcount (FTE)908716.712.2▼
The notes to these accounts (24 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-11
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-11
Financial
Weakest financial yearnet €-125k ▼2526%
Net result drops to €-125k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-11
Financial
Highest result since 2018net €101k ▲0.2%
Operating result €182k, net result €101k, both a record.
30-11
Financial
Equity above €500kEq €547k ▲22.6%
2 profitable years in a row build equity to €547k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
30-11
Financial
Back to profitnet €101k
Net result €101k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Gent · 1 establishment unit since 2002
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.
Hurstweg 89000 GentGround area
9,109 m²
Building footprint
6,654 m²
Volume, LiDAR
92,778 m³
Parcel 44807G0316/00B002, Flanders · tallest building 24.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Hurstweg 8, 9000 Gent
since 20022.096.079.532
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0316/00B002 | Flanders | 9,109 m² | 1 · 6,654 m² | 24.8 m · 6 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 13,189 EUR awarded · 13,189 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,704 EUR | 1,704 EUR |
| 2024 | 2 | 1,485 EUR | 11,485 EUR |
| 2023 | 1 | 10,000 EUR | 0 EUR |
Schemes
Werkbaarheidscheque (stopgezet)
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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BEHEER EN MANAGEMENT
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Hastière · Eq €433k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 35,783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2001
Fiscal year end30-11
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
72100
74142
64200Holdings
64210Activities of holding companies
74151
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.