Losses
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Of this, €6,588 falls due within a year.
Green is investment, beige is depreciation.
Short-term debts rose from €3,597 to €6,588.
The 2023 accounts came latest: 68 days after the end of the period.
Less equity than 88% of companies in computer programming and consultancy. Sector median €68,850 · 22,046 companies.
In July 2024, 1,134 companies had the same profile as TIM VIN has now. Each dot stands for 3 companies, two years later.
Another 0.6% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,134 companies, not a prediction for TIM VIN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| TIM VIN Sint-Gillis (bij-Brussel) | €14,608 | -€4,717 | 24.8% | - |
| Practinn Ixelles | €15,409 | -€1,466 | 52.7% | - |
| GKL GROUP Forest | €14,364 | -€1,000 | -85.2% | - |
| AlphaML Ixelles | €12,671 | -€7,110 | -13.2% | - |
| Niboo Solutions Auderghem | €12,456 | -€9,299 | 37.7% | - |
| CAMBRE SOLUTIONS Watermael-Boitsfort | €16,284 | -€6,444 | 59.7% | - |
| GiveActions Watermael-Boitsfort | €12,196 | -€15,276 | -87.9% | - |
These companies have the same main activity as TIM VIN: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €12,200 and €16,300, founded between 2019 and 2020.
TIM VIN files the micro format. That format states no turnover. The gross margin fell from €12,696 in 2020 to -€4,717 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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