TIM and Co
ActiveTIM and Co has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.05M and a net result of €99k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 72% of 2268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-5
Solvency81▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 4.2 against 6.97 in 2024; short-term debt: 18.8% and cash: 1.4% of total assets), and 43.9% 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 93
Relative position
BE, all sectors
reference
Sector 93
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
56.1%
Return on assets
5.3%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
6 d early
2022
5 d early
2021
125 d early
2020
5 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.05M▼ 15.4%
2024 · €1.24M
2019: €933k
2020: €1.12M
2021: €1.14M
2022: €1.20M
2023: €1.19M
2024: €1.24M
2019 → 2025
Total assets
€1.87M▼ 5.8%
2024 · €1.98M
2019: €1.69M
2020: €2.32M
2021: €1.90M
2022: €2.03M
2023: €1.97M
2024: €1.98M
2019 → 2025
Net result
€99k▼ 43.8%
2024 · €176k
2019: €541k
2020: €491k
2021: €17k
2022: €158k
2023: €114k
2024: €176k
2019 → 2025
Working capital
€1.12M▼ 14.0%
2024 · €1.31M
2019: €317k
2020: €1.21M
2021: €1.22M
2022: €1.28M
2023: €1.26M
2024: €1.31M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.14M-€1.20M▲ 5.1%€1.19M▼ 0.5%€1.24M▲ 3.9%€1.05M▼ 15.4%
Operating result€34k-€200k▲ 497%€128k▼ 36.0%€176k▲ 37.6%€72k▼ 59.1%
Net result€17k-€158k▲ 857%€114k▼ 27.7%€176k▲ 53.9%€99k▼ 43.8%
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 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.87M
Fixed assets
€391k▼ 13.9%
Current assets
€1.48M▼ 3.3%
Equity and liabilities €1.87M
Equity
€1.05M▼ 15.4%
Provisions
€50k▼ 12.2%
Debt
€770k▲ 12.2%
The debt ratio rises from 34.6% to 41.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€135k▼
2024 · €240k
Cash flow
€162k▼
2024 · €240k
Solvency
56.1%▼
2024 · 62.5%
Current ratio
4.20▼
2024 · 6.97
Quick ratio
4.20▼
2024 · 6.97
Debt / equity
0.73▲
2024 · 0.55
ROE
9.4%▼
2024 · 14.2%
ROA
5.3%▼
2024 · 8.9%
Interest coverage
17.20▼
2024 · 27.90
Debt
€770k▲
2024 · €686k
Debt ≤ 1 year
€352k▲
2024 · €219k
Debt > 1 year
€412k▼
2024 · €462k
Income taxes
€16k▼
2024 · €43k
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€1.98M€1.87M▼
Fixed assets21/28€455k€391k▼
Tangible fixed assets22/27€455k€391k▼
Land and buildings22€419k€370k▼
Furniture and vehicles24€36k€22k▼
Current assets29/58€1.53M€1.48M▼
Amounts receivable within one year40/41€14€9k▲
Other amounts receivable41€14€9k▲
Current investments50/53€1.45M€1.44M▼
Cash at bank and in hand54/58€74k€25k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.98M€1.87M▼
Equity10/15€1.24M€1.05M▼
Contributions10/11€356k€356k=
Reserves13€595k€689k▲
Non-distributable reserves130/1€36k-
Reserves not available under the articles1311€36k-
Tax-exempt reserves132€170k€149k▼
Distributable reserves133€390k€541k▲
Profit (loss) carried forward14€288k€3k▼
Provisions and deferred taxes16€57k€50k▼
Deferred taxes168€57k€50k▼
Amounts payable17/49€686k€770k▲
Amounts payable after more than one year17€462k€412k▼
Financial debts170/4€462k€412k▼
Amounts payable within one year42/48€219k€352k▲
Current portion of amounts payable after more than one year42€54k€50k▼
Taxes, remuneration and social security45€35k€12k▼
Taxes450/3€35k€12k▼
Other amounts payable47/48€130k€290k▲
Accrued charges and deferred income492/3€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€63k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€245k€141k▼
Operating profit (loss)9901€176k€72k▼
Financial income75/76B€45k€43k▼
Recurring financial income75€45k€43k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€212k€108k▼
Transfer from deferred taxes780€7k€7k=
Income taxes67/77€43k€16k▼
Profit (loss) for the period9904€176k€99k▼
Transfer from tax-exempt reserves789€21k€21k=
Profit (loss) for the period to be appropriated9905€197k€120k▼
Appropriation of the result
Profit (loss) to be appropriated9906€613k€408k▼
Profit (loss) brought forward from the previous period14P€416k€288k▼
Transfer to equity691/2€195k€115k▼
To other reserves6921€195k€115k▼
Profit to be distributed694/7€130k€290k▲
Return on contributions (dividend)694-€170k
Directors or managers695€130k€120k▼
The notes to these accounts (6 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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €17k ▼96.6%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity times 5current ratio 18.02
Current ratio from 3.75 to 18.02; short-term debt falls from €440k to €72k.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 3.75
Current ratio from 1.48 to 3.75; short-term debt falls from €661k to €440k.
31-03
Financial
Equity above €1MEq €1.12M ▲20.5%
2 profitable years in a row build equity to €1.12M.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
17-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Pecq · 1 establishment unit since 2018
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.
Trieu Mareserie(PEC) 27740 PecqGround area
5,794 m²
Building footprint
825 m²
Volume, LiDAR
3,737 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Porte des Bâtisseurs(EST) 20, 7730 Estaimpuis
since 20182.281.952.219
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57027A0236/00F000 | Wallonia | 5,355 m² | 1 · 519 m² | 8.0 m · 2 fl. |
| 57062A0113/00S000 | Wallonia | 439 m² | 1 · 306 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,290 companies in sector 93110 we hold annual accounts for 1,492. 852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-1986
Fiscal year end31-03
Activities, NACEBEL
92611
93110Operation of sports facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.