Time Savior
ActiveSummary
Time Savior has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €62k. Equity is growing by ~62.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 7.22 against 4.37 in 2024; short-term debt: 13.6% and cash: 77.3% of total assets), and 13.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
86.4%
Return on assets
32.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
30 d early
2023
26 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▲ 59.7%
2024 · €104k
2023: €35klowest in 3 years
2024: €104k▲ +193% vs 2023
2025: €166k▲ +59.7% vs 2024highest in 3 years
2023 → 2025
Total assets
€192k▲ 42.6%
2024 · €135k
2023: €54klowest in 3 years
2024: €135k▲ +151% vs 2023
2025: €192k▲ +42.6% vs 2024highest in 3 years
2023 → 2025
Net result
€62k▼ 9.5%
2024 · €69k
2023: €32klowest in 3 years
2024: €69k▲ +112% vs 2023highest in 3 years
2025: €62k▼ -9.5% vs 2024
2023 → 2025
Working capital
€162k▲ 56.4%
2024 · €104k
2023: €35klowest in 3 years
2024: €104k▲ +200% vs 2023
2025: €162k▲ +56.4% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€35k-€104k▲ 193%€166k▲ 59.7%
2023: €35klowest in 3 years
2024: €104k▲ +193% vs 2023
2025: €166k▲ +59.7% vs 2024highest in 3 years
Operating result€41k-€85k▲ 110%€78k▼ 8.9%
2023: €41klowest in 3 years
2024: €85k▲ +110% vs 2023highest in 3 years
2025: €78k▼ -8.9% vs 2024
Net result€32k-€69k▲ 112%€62k▼ 9.5%
2023: €32klowest in 3 years
2024: €69k▲ +112% vs 2023highest in 3 years
2025: €62k▼ -9.5% vs 2024
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 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€4k ▲ 676%
Current assets
€188k ▲ 40.0%
Equity and liabilities €192k
Equity
€166k ▲ 59.7%
Debt
€26k ▼ 15.1%
Debt's share of the balance-sheet total falls from 22.8% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▼
2024 · €86k
Cash flow
€63k▼
2024 · €69k
Current ratio
7.22▲
2024 · 4.37
Debt to equity
0.16▼
2024 · 0.29
ROE
37.4%▼
2024 · 65.9%
ROA
32.3%▼
2024 · 50.9%
Interest coverage
517.50▼
2024 · 809.12
Debt ≤ 1 year
€26k▼
2024 · €31k
Income taxes
€16k▼
2024 · €17k
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 · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€135k€192k▲
Fixed assets21/28€550€4k▲
Tangible fixed assets22/27€550€4k▲
Plant, machinery and equipment23€550€4k▲
Current assets29/58€134k€188k▲
Amounts receivable within one year40/41€32k€39k▲
Trade receivables40€25k€24k▼
Other amounts receivable41€7k€16k▲
Cash at bank and in hand54/58€102k€149k▲
Equity and liabilities
Total equity and liabilities10/49€135k€192k▲
Equity10/15€104k€166k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€101k€163k▲
Amounts payable17/49€31k€26k▼
Amounts payable within one year42/48€31k€26k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€27k€22k▼
Taxes450/3€27k€22k▼
Remuneration and social security454/9€498-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€407€808▲
Other operating charges640/8€207-
Gross operating margin9900€86k€79k▼
Operating profit (loss)9901€85k€78k▼
Financial income75/76B€853€392▼
Recurring financial income75€853€392▼
Financial charges65/66B€106€152▲
Recurring financial charges65€106€152▲
Profit (loss) for the period before taxes9903€86k€78k▼
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€69k€62k▼
Profit (loss) for the period to be appropriated9905€69k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€163k▲
Profit (loss) brought forward from the previous period14P€32k€101k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €263 | €407 | €808 | ▲ 98.7% |
| Other operating charges640/8 | - | €207 | - | - |
| Gross operating margin9900 | €41k | €86k | €79k | ▼ 8.6% |
| Operating profit (loss)9901 | €41k | €85k | €78k | ▼ 8.9% |
| Financial income75/76B | €171 | €853 | €392 | ▼ 54.1% |
| Recurring financial income75 | €171 | €853 | €392 | ▼ 54.1% |
| Financial charges65/66B | €2 | €106 | €152 | ▲ 43.2% |
| Recurring financial charges65 | €2 | €106 | €152 | ▲ 43.2% |
| Profit (loss) for the period before taxes9903 | €41k | €86k | €78k | ▼ 9.4% |
| Income taxes67/77 | €8k | €17k | €16k | ▼ 9.2% |
| Profit (loss) for the period9904 | €32k | €69k | €62k | ▼ 9.5% |
| Profit (loss) for the period to be appropriated9905 | €32k | €69k | €62k | ▼ 9.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €54k | €135k | €192k | ▲ 42.6% |
| Fixed assets21/28 | €957 | €550 | €4k | ▲ 676% |
| Tangible fixed assets22/27 | €957 | €550 | €4k | ▲ 676% |
| Plant, machinery and equipment23 | €957 | €550 | €4k | ▲ 676% |
| Current assets29/58 | €53k | €134k | €188k | ▲ 40.0% |
| Amounts receivable within one year40/41 | €21k | €32k | €39k | ▲ 23.0% |
| Trade receivables40 | €14k | €25k | €24k | ▼ 5.7% |
| Other amounts receivable41 | €7k | €7k | €16k | ▲ 127% |
| Cash at bank and in hand54/58 | €32k | €102k | €149k | ▲ 45.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €54k | €135k | €192k | ▲ 42.6% |
| Equity10/15 | €35k | €104k | €166k | ▲ 59.7% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €32k | €101k | €163k | ▲ 61.5% |
| Amounts payable17/49 | €18k | €31k | €26k | ▼ 15.1% |
| Amounts payable within one year42/48 | €18k | €31k | €26k | ▼ 15.1% |
| Trade debts44 | €3k | €3k | €4k | ▲ 17.2% |
| Suppliers440/4 | €3k | €3k | €4k | ▲ 17.2% |
| Taxes, remuneration and social security45 | €15k | €27k | €22k | ▼ 19.2% |
| Taxes450/3 | €12k | €27k | €22k | ▼ 17.7% |
| Remuneration and social security454/9 | €3k | €498 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €32k | €69k | €62k | ▼ 9.5% |
| + Depreciation and write-downs630 | €263 | €407 | €808 | ▲ 98.7% |
| Operating cash flow (approximation) | €33k | €69k | €63k | ▼ 8.8% |
| Investment in fixed assets (approximation) | - | €0 | €-5k | - |
| Change in cash | - | €70k | €46k | ▼ 33.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Equity above €150kEq €166k ▲59.7%
3 profitable years in a row build equity to €166k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €69k ▲112%
Operating result €85k, net result €69k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲193%
2 profitable years in a row build equity to €104k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Machelen (Brab.) · 1 establishment unit since 2023
Ground area
129 m²
Building footprint
31 m²
Volume, LiDAR
139 m³
Parcel 23015C0187/00R000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Time Savior
since 20232.345.062.003
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015C0187/00R000 | Flanders | 129 m² | 1 · 31 m² | 9.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,787 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.