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TIME TO ACT

Active
Private limited company (pre-2019)founded 201115 yrs activeTrieu Bouton(BLX) 1, 6464 Chimay, BelgiumKBO/BCE: BE 0835.715.574

TIME TO ACT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-11k) and a net result of €-11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2025
29 / 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-2
Solvency15▼-9
Growth52▼-4
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.01 against 0.0 in 2024; short-term debt: 110.4% of total assets), and equity is negative.
Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-10.4%
Return on assets
-9.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 15 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €-11k
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 filings
Deviation from the deadline
2025
24 d early
2024
27 d early
2023
61 d late
2022
60 d late
2021
78 d late
2020
114 d late
2019
30 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 months
Position in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover
€4k▼ 75.1%
2024 · €16k
2018: €23k 2019: €109k 2024: €16k
2018 → 2025
EBIT margin
-230.7%▼ 185.7pp
2024 · -45.0%
2018: -17.7% 2019: 34.8% 2024: -45.0%
2018 → 2025
Net result
€-11k▼ 24.0%
2024 · €-9k
2018: €-20k 2019: €27k 2020: €18k 2021: €29k 2022: €-16k 2023: €-10k 2024: €-9k
2018 → 2025
Working capital
€-120k▼ 3.8%
2024 · €-116k
2018: €-102k 2019: €-221k 2020: €-251k 2021: €-99k 2022: €-110k 2023: €-113k 2024: €-116k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€16k€4k▼ 75.1%
Equity€35k-€18k▼ 47.4%€8k▼ 55.8%€-595€-11k▼ 1,805%
Operating result€46k-€-10k€-9k▲ 11.9%€-7k▲ 19.3%€-9k▼ 27.3%
Net result€29k-€-16k€-10k▲ 38.2%€-9k▲ 14.8%€-11k▼ 24.0%
Result per fiscal year
Operating resultNet result
€-20k€0€20k€40kOperating result 2021: €46k€46kNet result 2021: €29k€29kOperating result 2022: €-10k€-10kNet result 2022: €-16k€-16kOperating result 2023: €-9k€-9kNet result 2023: €-10k€-10kOperating result 2024: €-7k€-7kNet result 2024: €-9k€-9kOperating result 2025: €-9k€-9kNet result 2025: €-11k€-11k20212022202320242025
The operating result stays negative: a loss of €9k in 2025 against €7k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets €109k▼ 5.5%
Current assets €659▲ 69.4%
Key figures and ratios
2025 value · change against 2024
EBITDA
€-3k
2024 · €-823
Cash flow
€-4k
2024 · €-2k
Solvency
-10.4%
2024 · -0.5%
Current ratio
0.01
2024 · 0.00
Quick ratio
0.01
2024 · 0.00
Debt / equity
-10.65
ROA
-9.8%
2024 · -7.5%
Interest coverage
-1.71
2024 · -0.55
Debt
€121k
2024 · €116k
Debt ≤ 1 year
€121k
2024 · €116k
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€115k€109k
Fixed assets21/28€115k€109k
Tangible fixed assets22/27€115k€109k
Land and buildings22€115k€109k
Plant, machinery and equipment23€176€76
Current assets29/58€389€659
Amounts receivable within one year40/41€321€415
Other amounts receivable41€321€415
Cash at bank and in hand54/58€68-
Deferred charges and accrued income490/1-€244
Equity and liabilities
Total equity and liabilities10/49€115k€109k
Equity10/15€-595€-11k
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-9k€-19k
Amounts payable17/49€116k€121k
Amounts payable within one year42/48€116k€121k
Financial debts43€9k€10k
Credit institutions430/8€9k€10k
Trade debts44€2k€3k
Suppliers440/4€2k€3k
Taxes, remuneration and social security45€3k€3k
Taxes450/3€3k€3k
Other amounts payable47/48€103k€105k
Income statement Code20242025
Turnover70€16k€4k
Goods, raw materials, services and sundry goods60/61€16k€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€891€332
Gross operating margin9900€68€-2k
Operating profit (loss)9901€-7k€-9k
Financial charges65/66B€2k€2k
Recurring financial charges65€2k€2k
Profit (loss) for the period before taxes9903€-9k€-11k
Profit (loss) for the period9904€-9k€-11k
Profit (loss) for the period to be appropriated9905€-9k€-11k
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-19k
Profit (loss) brought forward from the previous period14P€5€-9k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
07-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
30-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
29-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
17-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial Highest result since 2018net €29k ▲62.4%
Operating result €46k, net result €29k, both a record.
22-11
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 114 days late
2020
01-07
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial Back to profitnet €27k
Net result €27k after one loss-making year.
10-07
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
3 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, Chimay · 1 establishment unit since 2011
establishment The establishment unit on the map
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 Bouton(BLX) 16464 Chimay
Ground area
3,073 m²
Building footprint
163 m²
Volume, LiDAR
860 m³
Parcel 56002C0549/00G000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Time to act
Trieu Bouton(BLX) 1, 6464 ChimayAgents in the wholesale of furniture, household goods and hardware
since 20112.198.803.621
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56002C0549/00G000 Wallonia 3,073 m² 1 · 163 m² 6.8 m · 2 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.

Similar companies · same sector, comparable size

Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 832 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company (pre-2019)
Founded22-04-2011
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
47551Retail sale of household furniture
47591Retail trade
56301Cafés and bars
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.