SPEAKING TIME
ActiveSPEAKING TIME has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €31k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 7017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 31.93 against 9.8 in 2024; short-term debt: 3% and cash: 85.6% of total assets), and 3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
97%
Return on assets
18.3%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
21 d early
2023
22 d early
2022
24 d early
2021
2 d early
2020
on the day
2019
2 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€165k▲ 23.2%
2024 · €134k
2018: €33k
2019: €41k
2020: €45k
2021: €65k
2022: €79k
2023: €93k
2024: €134k
2018 → 2025
Total assets
€170k▲ 14.5%
2024 · €149k
2018: €34k
2019: €64k
2020: €50k
2021: €71k
2022: €84k
2023: €98k
2024: €149k
2018 → 2025
Net result
€31k▼ 24.5%
2024 · €41k
2018: €15k
2019: €29k
2020: €4k
2021: €20k
2022: €14k
2023: €13k
2024: €41k
2018 → 2025
Working capital
€160k▲ 23.6%
2024 · €129k
2018: €31k
2019: €41k
2020: €42k
2021: €60k
2022: €74k
2023: €87k
2024: €129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€79k▲ 21.7%€93k▲ 17.0%€134k▲ 44.3%€165k▲ 23.2%
Operating result€25k-€19k▼ 26.7%€19k▼ 0.3%€61k▲ 228%€46k▼ 24.5%
Net result€20k-€14k▼ 28.2%€13k▼ 4.7%€41k▲ 205%€31k▼ 24.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€6k▲ 13.0%
Current assets
€165k▲ 14.6%
Equity and liabilities €170k
Equity
€165k▲ 23.2%
Debt
€5k▼ 64.8%
The debt ratio falls from 9.9% to 3.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €63k
Cash flow
€34k▼
2024 · €44k
Solvency
97.0%▲
2024 · 90.1%
Current ratio
31.93▲
2024 · 9.80
Quick ratio
31.93▲
2024 · 9.80
Debt / equity
0.03▼
2024 · 0.11
ROE
18.8%▼
2024 · 30.7%
ROA
18.3%▼
2024 · 27.7%
Interest coverage
284.48▼
2024 · 451.89
Debt
€5k▼
2024 · €15k
Debt ≤ 1 year
€5k▼
2024 · €15k
Income taxes
€15k▼
2024 · €20k
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€149k€170k▲
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€5k▲
Furniture and vehicles24€5k€5k▲
Financial fixed assets28€50€550▲
Current assets29/58€144k€165k▲
Amounts receivable within one year40/41€6k€19k▲
Trade receivables40€6k€9k▲
Other amounts receivable41€407€10k▲
Cash at bank and in hand54/58€138k€146k▲
Deferred charges and accrued income490/1-€148
Equity and liabilities
Total equity and liabilities10/49€149k€170k▲
Equity10/15€134k€165k▲
Contributions10/11€19k€19k=
Reserves13€66k€96k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€64k€94k▲
Profit (loss) carried forward14€50k€51k▲
Amounts payable17/49€15k€5k▼
Amounts payable within one year42/48€15k€5k▼
Trade debts44€1k€254▼
Suppliers440/4€1k€254▼
Taxes, remuneration and social security45€13k€4k▼
Taxes450/3€13k€4k▼
Remuneration and social security454/9€32-
Other amounts payable47/48€623€669▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€387€409▲
Gross operating margin9900€64k€49k▼
Operating profit (loss)9901€61k€46k▼
Financial income75/76B-€288
Recurring financial income75-€288
Financial charges65/66B€140€171▲
Recurring financial charges65€140€171▲
Profit (loss) for the period before taxes9903€61k€46k▼
Income taxes67/77€20k€15k▼
Profit (loss) for the period9904€41k€31k▼
Profit (loss) for the period to be appropriated9905€41k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€81k▼
Profit (loss) brought forward from the previous period14P€48k€50k▲
Transfer to equity691/2€40k€30k▼
To other reserves6921€40k€30k▼
The notes to these accounts (7 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 31.93
Current ratio from 9.80 to 31.93; short-term debt falls from €15k to €5k.
31-12
Financial
Equity above €150kEq €165k ▲23.2%
8 profitable years in a row build equity to €165k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €41k ▲205%
Operating result €61k, net result €41k, both a record.
31-12
Financial
Equity above €100kEq €134k ▲44.3%
7 profitable years in a row build equity to €134k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €4k ▼85.3%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 10.53
Current ratio from 2.83 to 10.53; short-term debt falls from €22k to €4k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 1999
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.
Overwinningsstraat 841060 Sint-Gillis (bij-Brussel)Ground area
412 m²
Building footprint
91 m²
Volume, LiDAR
1,250 m³
Parcel 21013B0076/00R000, Brussels · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Overwinningsstraat 84, 1060 Sint-Gillis (bij-Brussel)
since 19992.091.287.237
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0076/00R000 | Brussels | 412 m² | 1 · 91 m² | 17.6 m · 5 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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DECAPRESS
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Of 9,863 companies in sector 73110 we hold annual accounts for 3,754. 2,901 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-1999
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.