PERSONAL TOUCH
ActiveSummary
PERSONAL TOUCH has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €101k and a net result of €4k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 2935 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▼-17
Solvency84▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.94 in 2023; short-term debt: 35.3% and cash: 14.7% of total assets), and 41.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
58.9%
Return on assets
2.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
12 d late
2022
24 d early
2021
30 d early
2020
102 d early
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€101k▲ 3.9%
2023 · €97k
2018: €47k
2019: €59k
2020: €73k
2021: €72k
2022: €73k
2023: €97k
2018 → 2024
Total assets
€171k▲ 16.2%
2023 · €147k
2018: €150k
2019: €146k
2020: €137k
2021: €206k
2022: €164k
2023: €147k
2018 → 2024
Net result
€4k▼ 83.7%
2023 · €24k
2018: €33k
2019: €12k
2020: €14k
2021: €-1k
2022: €1k
2023: €24k
2018 → 2024
Working capital
€25k▼ 29.9%
2023 · €36k
2018: €43k
2019: €75k
2020: €89k
2021: €35k
2022: €20k
2023: €36k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€73k-€72k▼ 1.8%€73k▲ 2.0%€97k▲ 32.1%€101k▲ 3.9%
Operating result€21k-€966▼ 95.3%€5k▲ 396%€39k▲ 710%€10k▼ 74.1%
Net result€14k-€-1k€1k€24k▲ 1,551%€4k▼ 83.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 74% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €171k
Fixed assets
€85k ▲ 17.0%
Current assets
€85k ▲ 15.5%
Equity and liabilities €171k
Equity
€101k ▲ 3.9%
Debt
€70k ▲ 39.9%
Debt's share of the balance-sheet total rises from 34.1% to 41.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29k▼
2023 · €52k
Cash flow
€23k▼
2023 · €37k
Current ratio
1.42▼
2023 · 1.94
Quick ratio
1.34▼
2023 · 1.81
Debt to equity
0.70▲
2023 · 0.52
ROE
3.8%▼
2023 · 24.3%
ROA
2.2%▼
2023 · 16.0%
Interest coverage
6.51▼
2023 · 8.89
Debt ≤ 1 year
€60k▲
2023 · €38k
Debt > 1 year
€10k▼
2023 · €12k
Income taxes
€4k▼
2023 · €10k
Staff costs
€142k▲
2023 · €125k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€147k€171k▲
Fixed assets21/28€73k€85k▲
Tangible fixed assets22/27€73k€85k▲
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€2k€15k▲
Other tangible fixed assets26€59k€62k▲
Financial fixed assets28€404€404=
Current assets29/58€74k€85k▲
Amounts receivable after more than one year29€39k€42k▲
Other amounts receivable291€39k€42k▲
Stocks and contracts in progress3€5k€5k=
Stocks30/36€5k€5k=
Amounts receivable within one year40/41€7k€9k▲
Trade receivables40€812€1k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€19k€25k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€147k€171k▲
Equity10/15€97k€101k▲
Contributions10/11€19k€19k=
Reserves13€78k€82k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€76k€80k▲
Amounts payable17/49€50k€70k▲
Amounts payable after more than one year17€12k€10k▼
Financial debts170/4€12k€10k▼
Amounts payable within one year42/48€38k€60k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€13k€17k▲
Suppliers440/4€13k€17k▲
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€6k€16k▲
Other amounts payable47/48-€7k
Income statement
Code20232024
Non-recurring operating income76A€18k-
Remuneration, social security and pensions62€125k€142k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€19k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€179k€173k▼
Operating profit (loss)9901€39k€10k▼
Financial income75/76B€240€2k▲
Recurring financial income75€240€2k▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€33k€7k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€24k€4k▼
Profit (loss) for the period to be appropriated9905€24k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€4k▼
Transfer to equity691/2€24k€4k▼
To other reserves6921€24k€4k▼
Social balance
Average headcount (FTE)90874.33.6▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €100kEq €101k ▲3.9%
3 profitable years in a row build equity to €101k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 12 days late
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-1k ▼109%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Brecht · 1 establishment unit since 2004
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.
Guldensporenlei 132960 BrechtGround area
902 m²
Building footprint
203 m²
Volume, LiDAR
785 m³
Parcel 11042B0190/00P000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Guldensporenlei 13, 2960 Brecht
since 20042.145.024.544
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11042B0190/00P000 | Flanders | 902 m² | 1 · 203 m² | 6.8 m · 2 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.
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VALBLON
BE 0778.413.518
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 7,812 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-11-2004
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.