TIMCONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €131k and a net result of €41k. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 2423 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
20 d late
2024
20 d early
2023
14 d early
2022
28 d late
2021
25 d late
2020
16 d late
2019
4 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€131k▲ 16.4%
2024 · €113k
2018: €31k
2019: €31k
2020: €45k
2021: €56k
2022: €66k
2023: €90k
2024: €113k
2018 → 2025
Net result
€41k▲ 9.8%
2024 · €37k
2018: €8k
2019: €-407
2020: €14k
2021: €12k
2022: €10k
2023: €34k
2024: €37k
2018 → 2025
Total assets
€430k▼ 2.6%
2024 · €442k
2018: €35k
2019: €183k
2020: €262k
2021: €268k
2022: €263k
2023: €440k
2024: €442k
2018 → 2025
Solvency
30.5%▲ 5.0pp
2024 · 25.5%
2018: 90.0%
2019: 16.9%
2020: 17.0%
2021: 20.9%
2022: 25.2%
2023: 20.4%
2024: 25.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€66k▲ 18.5%€90k▲ 35.3%€113k▲ 25.5%€131k▲ 16.4%
Operating result€16k-€19k▲ 14.3%€54k▲ 189%€58k▲ 7.3%€64k▲ 11.3%
Net result€12k-€10k▼ 10.4%€34k▲ 230%€37k▲ 8.8%€41k▲ 9.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€334k▼ 8.7%
Current assets
€96k▲ 27.1%
Equity and liabilities €430k
Equity
€131k▲ 16.4%
Debt
€299k▼ 9.1%
The debt ratio falls from 74.5% to 69.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
30.5%▲
2024 · 25.5%
ROE
31.1%▼
2024 · 33.0%
ROA
9.5%▲
2024 · 8.4%
Debt
€299k▼
2024 · €329k
Debt ≤ 1 year
€83k▲
2024 · €76k
Debt > 1 year
€212k▼
2024 · €250k
Income taxes
€17k▲
2024 · €13k
Staff costs
€39k▲
2024 · €35k
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€442k€430k▼
Fixed assets21/28€366k€334k▼
Intangible fixed assets21€109k€95k▼
Tangible fixed assets22/27€257k€238k▼
Land and buildings22€213k€206k▼
Furniture and vehicles24€44k€33k▼
Financial fixed assets28€219€219=
Current assets29/58€76k€96k▲
Amounts receivable within one year40/41€35k€47k▲
Trade receivables40€18k€29k▲
Other amounts receivable41€17k€18k▲
Cash at bank and in hand54/58€39k€47k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€442k€430k▼
Equity10/15€113k€131k▲
Contributions10/11€10k€10k=
Reserves13€27k€59k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€25k€58k▲
Profit (loss) carried forward14€76k€62k▼
Amounts payable17/49€329k€299k▼
Amounts payable after more than one year17€250k€212k▼
Financial debts170/4€250k€212k▼
Amounts payable within one year42/48€76k€83k▲
Current portion of amounts payable after more than one year42€37k€38k▲
Trade debts44€3k€11k▲
Suppliers440/4€3k€11k▲
Taxes, remuneration and social security45€22k€12k▼
Taxes450/3€17k€7k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€14k€22k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€35k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€34k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€131k€141k▲
Operating profit (loss)9901€58k€64k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€50k€57k▲
Income taxes67/77€13k€17k▲
Profit (loss) for the period9904€37k€41k▲
Profit (loss) for the period to be appropriated9905€37k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€100k€117k▲
Profit (loss) brought forward from the previous period14P€63k€76k▲
Transfer from equity791/2-€8k
Transfer to equity691/2€10k€40k▲
To other reserves6921€10k€40k▲
Profit to be distributed694/7€14k€22k▲
Return on contributions (dividend)694€14k€22k▲
The notes to these accounts (15 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €41k ▲9.8%
Operating result €64k, net result €41k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €113k ▲25.5%
5 profitable years in a row build equity to €113k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Weakest financial yearnet €-407 ▼105%
Net result drops to €-407, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 49.39
Current ratio from 11.89 to 49.39; short-term debt falls from €3k to €2k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Marche-en-Famenne · 1 establishment unit since 2016
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.
Aye, Rue Gotto-Roïau 246900 Marche-en-FamenneGround area
1,976 m²
Building footprint
250 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
TIMCONSULT
since 20162.254.912.874
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83002A1007/00F002 | Wallonia | 1,370 m² | 1 · 148 m² | - |
| 83002A0260/00F002 | Wallonia | 606 m² | 1 · 102 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.
Similar companies · same sector, comparable size
KANTOOR DEBECKER VERZEKERINGSMAKELAAR
BE 0682.532.085
Bierbeek · Eq €131k
ZAKENKANTOOR DEMOOR
BE 0440.349.019
Brakel · Eq €131k
ASSURANCES SABATIER
BE 0446.191.585
Verviers · Eq €131k
Assurances Van Hecke
BE 0464.583.082
Brussel · Eq €131k
VERZEKERINGEN-SAERENS-ASSURANCES
BE 0426.755.953
Asse · Eq €131k
Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,790 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2016
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0497/388862