TIMMERMANS
ActiveSummary
TIMMERMANS has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€85,120) and a net result of -€442,700. Equity is shrinking by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 12% of 6545 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-10
Solvency20▼-15
Growth40▼-6
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.67 against 0.97 in 2023; short-term debt: 95.5% and cash: 0.7% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2024Solvency, return and age of the figures
Solvency
-4.7%
Return on assets
-24.4%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€85,120
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
6 d late
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 16 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
€4.4m▼ 33.3%
2023 · €6.6m
EBIT margin
-10.0%▼ 5.7pp
2023 · -4.3%
Net result
-€442,700▼ 67.1%
2023 · -€264,946
Working capital
-€570,431▼ 579%
2023 · -€83,982
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€4.9m▼ 32.3%€6.0m▲ 23.0%€6.9m▲ 14.8%€6.6m▼ 4.3%€4.4m▼ 33.3%
Operating result-€1.0m▼ 51.7%-€37,014▲ 96.4%-€487,663▼ 1,217%-€279,870▲ 42.6%-€439,014▼ 56.9%
Net result-€1.0mbelow the sector's middle half▼ 56.8%-€36,921below the sector's middle half▲ 96.4%-€484,256below the sector's middle half▼ 1,212%-€264,946below the sector's middle half▲ 45.3%-€442,700below the sector's middle half▼ 67.1%
EBIT margin-21.0%▼ 11.7pp-0.6%▲ 20.4pp-7.1%▼ 6.5pp-4.3%▲ 2.8pp-10.0%▼ 5.7pp
Equity€1.1mabove the sector's middle half▲ 56.1%€1.1mabove the sector's middle half▼ 3.2%€622,526within the sector's middle half▼ 43.8%€357,580within the sector's middle half▼ 42.6%-€85,120below the sector's middle half
Total assets€3.0mabove the sector's middle half▼ 18.7%€4.1mabove the sector's middle half▲ 34.7%€4.0mabove the sector's middle half▼ 1.3%€3.4mabove the sector's middle half▼ 15.0%€1.8mwithin the sector's middle half▼ 47.2%
Debt€1.9m▼ 36.9%€3.0m▲ 57.6%€3.4m▲ 14.4%€3.1m▼ 10.0%€1.9m▼ 38.3%
Working capital€1.2mabove the sector's middle half▼ 20.6%€971,662above the sector's middle half▼ 21.8%€257,328within the sector's middle half▼ 73.5%-€83,982below the sector's middle half-€570,431below the sector's middle half▼ 579%
Solvency37.6%within the sector's middle half▲ 18.0pp27.0%within the sector's middle half▼ 10.6pp15.4%within the sector's middle half▼ 11.6pp10.4%below the sector's middle half▼ 5.0pp-4.7%below the sector's middle half▼ 15.1pp
Current ratio2.11within the sector's middle half▼ 0.111.47within the sector's middle half▼ 0.641.09within the sector's middle half▼ 0.380.97below the sector's middle half▼ 0.120.67below the sector's middle half▼ 0.30
Return on assets (ROA)-33.9%below the sector's middle half▼ 16.3pp-0.9%below the sector's middle half▲ 33.0pp-12.0%below the sector's middle half▼ 11.1pp-7.7%below the sector's middle half▲ 4.3pp-24.4%below the sector's middle half▼ 16.7pp
Staff (FTE)31.8above the sector's middle half▼ 16.1%34.8above the sector's middle half▲ 9.4%33.5above the sector's middle half▼ 3.7%26.2above the sector's middle half▼ 21.8%14.9above the sector's middle half▼ 43.1%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €439,014 in 2024 against €279,870 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.8m
Fixed assets
€651,399 ▼ 13.5%
Current assets
€1.2m ▼ 56.6%
Key figures and ratios
EBITDA
-€284,908▼
2023 · -€124,329
Cash flow
-€288,594▼
2023 · -€109,406
Quick ratio
0.23▼
2023 · 0.27
Debt to equity
-22.31▼
2023 · 8.60
Interest coverage
-10.86▼
2023 · -2.96
Debt ≤ 1 year
€1.7m▼
2023 · €2.8m
Debt > 1 year
€109,758▼
2023 · €240,676
Income taxes
€1,853▲
2023 · €314
Staff costs
€767,725▼
2023 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 678 companies that looked in July 2024 the way this one looks now, 6.8% went bankrupt within 24 months and 85% are still going.
- Small
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
6.8%
went bankrupt
6.2%
stopped otherwise
85%
still going
A further 2.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 678 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €6.1m | €6.9m | €6.6m | €4.4m | ▼ 33.4% |
| Turnover70 | €4.9m | €6.0m | €6.9m | €6.6m | €4.4m | ▼ 33.3% |
| Other operating income74 | - | €53,912 | €17,068 | €12,042 | €3,864 | ▼ 67.9% |
| Non-recurring operating income76A | - | €5,377 | €2,000 | €7,240 | €0 | ▼ 100% |
| Operating charges60/66A | - | €6.1m | €7.4m | €6.9m | €4.8m | ▼ 29.8% |
| Goods for resale, raw materials and consumables60 | - | €2.9m | €3.9m | €3.6m | €2.7m | ▼ 27.1% |
| Purchases600/8 | - | €3.3m | €3.9m | €3.1m | €1.5m | ▼ 52.4% |
| Change in stocks: decrease (increase)609 | - | -€352,016 | -€25,463 | €555,409 | €1.2m | ▲ 113% |
| Services and other goods61 | - | €1.8m | €1.9m | €1.9m | €1.2m | ▼ 36.9% |
| Remuneration, social security and pensions62 | - | €1.1m | €1.3m | €1.1m | €767,725 | ▼ 29.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €329,300 | €202,763 | €159,113 | €155,541 | €154,106 | ▼ 0.9% |
| Other operating charges640/8 | - | €103,189 | €101,277 | €90,124 | €61,191 | ▼ 32.1% |
| Non-recurring operating charges66A | - | €400 | €8,041 | €0 | - | - |
| Operating profit (loss)9901 | -€1.0m | -€37,014 | -€487,663 | -€279,870 | -€439,014 | ▼ 56.9% |
| Financial income75/76B | - | €53,456 | €93,809 | €66,371 | €34,956 | ▼ 47.3% |
| Recurring financial income75 | €72,820 | €53,456 | €93,809 | €66,371 | €34,956 | ▼ 47.3% |
| Income from financial fixed assets750 | - | €255 | €2,801 | €2,682 | €3,033 | ▲ 13.1% |
| Income from current assets751 | - | €0 | - | €14 | €2,066 | ▲ 15,115% |
| Other financial income752/9 | - | €53,201 | €91,007 | €63,675 | €29,856 | ▼ 53.1% |
| Financial charges65/66B | - | €53,034 | €90,089 | €51,134 | €36,788 | ▼ 28.1% |
| Recurring financial charges65 | €75,371 | €53,034 | €90,089 | €51,134 | €36,788 | ▼ 28.1% |
| Debt charges650 | €51,878 | €32,997 | €32,253 | €41,939 | €26,242 | ▼ 37.4% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | - | -€1,019 | €34,051 | -€9,901 | -€4,415 | ▲ 55.4% |
| Other financial charges652/9 | - | €21,057 | €23,785 | €19,096 | €14,961 | ▼ 21.7% |
| Profit (loss) for the period before taxes9903 | -€1.0m | -€36,592 | -€483,944 | -€264,632 | -€440,846 | ▼ 66.6% |
| Income taxes67/77 | €604 | €328 | €312 | €314 | €1,853 | ▲ 491% |
| Taxes670/3 | - | €328 | €312 | €314 | €1,853 | ▲ 491% |
| Profit (loss) for the period9904 | -€1.0m | -€36,921 | -€484,256 | -€264,946 | -€442,700 | ▼ 67.1% |
| Profit (loss) for the period to be appropriated9905 | -€1.0m | -€36,921 | -€484,256 | -€264,946 | -€442,700 | ▼ 67.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.0m | €4.1m | €4.0m | €3.4m | €1.8m | ▼ 47.2% |
| Fixed assets21/28 | €673,788 | €1.0m | €903,030 | €753,085 | €651,399 | ▼ 13.5% |
| Intangible fixed assets21 | €519,275 | €416,787 | €330,438 | €244,431 | €158,444 | ▼ 35.2% |
| Tangible fixed assets22/27 | €150,385 | €613,463 | €570,711 | €506,774 | €491,075 | ▼ 3.1% |
| Plant, machinery and equipment23 | - | €598,119 | €558,713 | €497,881 | €482,297 | ▼ 3.1% |
| Furniture and vehicles24 | - | €10,238 | €8,039 | €6,017 | €6,803 | ▲ 13.1% |
| Other tangible fixed assets26 | - | €5,106 | €3,959 | €2,876 | €1,974 | ▼ 31.4% |
| Financial fixed assets28 | €4,128 | €2,836 | €1,880 | €1,880 | €1,880 | = |
| Other financial fixed assets284/8 | - | €2,836 | €1,880 | €1,880 | €1,880 | = |
| Shares284 | - | €2,588 | €1,880 | €1,880 | €1,880 | = |
| Amounts receivable and cash guarantees285/8 | - | €248 | €0 | - | - | - |
| Current assets29/58 | €2.4m | €3.1m | €3.1m | €2.7m | €1.2m | ▼ 56.6% |
| Stocks and contracts in progress3 | €2.0m | €2.4m | €2.5m | €1.9m | €761,023 | ▼ 60.9% |
| Stocks30/36 | - | €2.4m | €2.5m | €1.9m | €761,023 | ▼ 60.9% |
| Raw materials and consumables30/31 | - | €49,760 | €45,455 | €13,276 | €18,807 | ▲ 41.7% |
| Goods purchased for resale34 | - | €2.4m | €2.5m | €1.9m | €742,216 | ▼ 61.6% |
| Amounts receivable within one year40/41 | €146,412 | €141,571 | €219,362 | €373,242 | €180,301 | ▼ 51.7% |
| Trade receivables40 | - | €141,287 | €218,167 | €228,878 | €166,586 | ▼ 27.2% |
| Other amounts receivable41 | - | €284 | €1,195 | €144,364 | €13,715 | ▼ 90.5% |
| Current investments50/53 | - | €223,265 | €189,196 | €199,097 | €199,282 | ▲ 0.1% |
| Other investments51/53 | - | €223,265 | €189,196 | €199,097 | €199,282 | ▲ 0.1% |
| Cash at bank and in hand54/58 | €146,434 | €77,957 | €143,978 | €63,691 | €12,765 | ▼ 80.0% |
| Deferred charges and accrued income490/1 | - | €173,836 | €81,984 | €98,570 | €9,129 | ▼ 90.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.0m | €4.1m | €4.0m | €3.4m | €1.8m | ▼ 47.2% |
| Equity10/15 | €1.1m | €1.1m | €622,526 | €357,580 | -€85,120 | ▼ 124% |
| Contributions10/11 | €1.5m | €1.5m | €1.5m | €1.5m | €1.5m | = |
| Capital10 | - | €1.5m | €1.5m | €1.5m | €1.5m | = |
| Issued capital100 | - | €1.5m | €1.5m | €1.5m | €1.5m | = |
| Reserves13 | €74,122 | €74,122 | €74,122 | €74,122 | €74,122 | = |
| Non-distributable reserves130/1 | - | €63,500 | €63,500 | €63,500 | €63,500 | = |
| Legal reserve130 | - | €63,500 | €63,500 | €63,500 | €63,500 | = |
| Tax-exempt reserves132 | - | €10,622 | €10,622 | €10,622 | €10,622 | = |
| Profit (loss) carried forward14 | -€380,420 | -€417,340 | -€901,596 | -€1.2m | -€1.6m | ▼ 37.9% |
| Amounts payable17/49 | €1.9m | €3.0m | €3.4m | €3.1m | €1.9m | ▼ 38.3% |
| Amounts payable after more than one year17 | €688,630 | €858,430 | €475,601 | €240,676 | €109,758 | ▼ 54.4% |
| Financial debts170/4 | - | €858,430 | €475,601 | €240,676 | €109,758 | ▼ 54.4% |
| Credit institutions173 | - | €159,019 | €58,608 | €0 | - | - |
| Other loans174 | - | €699,411 | €416,994 | €240,676 | €109,758 | ▼ 54.4% |
| Amounts payable within one year42/48 | €1.1m | €2.1m | €2.9m | €2.8m | €1.7m | ▼ 37.3% |
| Current portion of amounts payable after more than one year42 | - | €165,870 | €231,329 | €189,525 | €130,918 | ▼ 30.9% |
| Financial debts43 | - | €485,000 | €750,000 | €250,000 | €30,000 | ▼ 88.0% |
| Credit institutions430/8 | - | €485,000 | €750,000 | €250,000 | €30,000 | ▼ 88.0% |
| Trade debts44 | €196,862 | €488,400 | €390,096 | €462,095 | €201,585 | ▼ 56.4% |
| Suppliers440/4 | - | €488,400 | €390,096 | €462,095 | €201,585 | ▼ 56.4% |
| Advances received on contracts in progress46 | - | €6,575 | €5,217 | €5,542 | €38,327 | ▲ 592% |
| Taxes, remuneration and social security45 | - | €145,599 | €198,335 | €215,003 | €35,281 | ▼ 83.6% |
| Taxes450/3 | - | €37,547 | €83,247 | €82,937 | €15,529 | ▼ 81.3% |
| Remuneration and social security454/9 | - | €108,052 | €115,088 | €132,066 | €19,752 | ▼ 85.0% |
| Other amounts payable47/48 | - | €797,209 | €1.3m | €1.6m | €1.3m | ▼ 21.0% |
| Accrued charges and deferred income492/3 | - | €39,536 | €62,230 | €70,847 | €56,330 | ▼ 20.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1.0m | -€36,921 | -€484,256 | -€264,946 | -€442,700 | ▼ 67.1% |
| + Depreciation and write-downs630 | €329,300 | €202,763 | €159,113 | €155,541 | €154,106 | ▼ 0.9% |
| Operating cash flow (approximation) | -€699,822 | €165,842 | -€325,143 | -€109,406 | -€288,594 | ▼ 164% |
| Investment in fixed assets (approximation) | - | -€562,061 | -€29,057 | -€5,596 | -€52,420 | ▼ 837% |
| Change in cash | - | -€68,477 | €66,021 | -€80,287 | -€50,925 | ▲ 36.6% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 6 days late
2020
31-12
Financial
Weakest financial yearnet -€1.0m
Net result drops to -€1.0m, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €1mEq €1.1m ▲56.1%
Equity rises from €732,824 to €1.1m.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Show earlier events
19-04
State Gazette act
General meeting · Director appointment
Permanent representative
2013
02-09
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
03-06
State Gazette act
General meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Sint-Niklaas · 1 establishment unit since 2011
Ground area
6,442 m²
Building footprint
1,290 m²
Parcel 46002C0270/00H000, Flanders. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Webshops Tims & Timmermans
since 20112.219.221.428
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002C0270/00H000 | Flanders | 6,442 m² | 1 · 1,290 m² | - |
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.
Structure & network
Owners and holdings
1 ownerChain of control
- HERMAR
- TIMMERMANS
Highest known parent: HERMAR. The sources do not say who stands above it.
Owners 1
- HERMARparent99.99%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
Recognitions · licences · registrations
Dual-learning approval
6 live approvalsCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Onthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Legal Entity Identifier
984500D7LIEB5F8ADD09
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Identification & contact
Identification
Legal formPublic limited company
Founded28-09-1993
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47910Intermediation services for non-specialised retail
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0451022383
Also
9925:BE0451022383
Registered
24-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.