TO-BE
ActiveSummary
TO-BE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.6m and a net result of €170,386. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 59% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▼-15
Solvency71▲+6
Growth68▼-10
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100,000 at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.83 in 2024; short-term debt: 26.9% and cash: 6.2% of total assets), and 54.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
45.5%
Return on assets
4.9%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
42 d early
2023
40 d early
2022
54 d early
2021
46 d early
2020
35 d early
2019
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€6.8m▲ 36.2%
2018 · €5.0m
EBIT margin
3.7%▲ 0.9pp
2018 · 2.8%
Net result
€170,386▼ 36.5%
2024 · €268,241
Working capital
-€176,958▼ 1.8%
2024 · -€173,799
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€6.8m
Operating result€261,225▼ 22.0%€397,284▲ 52.1%€384,585▼ 3.2%€405,879▲ 5.5%€250,379▼ 38.3%
Net result€167,375▼ 23.9%€257,714▲ 54.0%€261,092▲ 1.3%€268,241▲ 2.7%€170,386▼ 36.5%
EBIT margin3.7%
Equity€794,633▲ 26.7%€1.1m▲ 32.4%€1.3m▲ 24.8%€1.4m▲ 7.2%€1.6m▲ 12.1%
Total assets€3.4m▲ 169%€3.5m▲ 3.5%€3.4m▼ 1.9%€3.5m▲ 1.8%€3.5m▼ 1.1%
Debt€2.6m▲ 309%€2.5m▼ 5.4%€2.1m▼ 13.4%€2.1m▼ 1.5%€1.9m▼ 10.0%
Working capital-€375,914-€294,208▲ 21.7%-€152,982▲ 48.0%-€173,799▼ 13.6%-€176,958▼ 1.8%
Staff (FTE)13.1▼ 6.4%12.8▼ 2.3%12.3▼ 3.9%13.9▲ 13.0%11.4▼ 18.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.5m
Fixed assets
€2.7m ▲ 2.8%
Current assets
€756,361 ▼ 12.8%
Equity and liabilities €3.5m
Equity
€1.6m ▲ 12.1%
Debt
€1.9m ▼ 10.0%
Debt's share of the balance-sheet total falls from 59.8% to 54.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€333,189▼
2024 · €500,071
Cash flow
€253,196▼
2024 · €362,432
Current ratio
0.81▼
2024 · 0.83
Quick ratio
0.27▼
2024 · 0.35
Debt to equity
1.20▼
2024 · 1.49
ROE
10.8%▼
2024 · 19.1%
ROA
4.9%▼
2024 · 7.7%
Interest coverage
13.07▼
2024 · 16.92
Debt ≤ 1 year
€933,319▼
2024 · €1.0m
Debt > 1 year
€955,156▼
2024 · €1.1m
Income taxes
€78,178▼
2024 · €127,972
Staff costs
€644,054▼
2024 · €739,130
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €6.8m | - |
| Non-recurring operating income76A | - | - | - | - | €22,145 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €5.9m | - |
| Remuneration, social security and pensions62 | - | €617,169 | €653,677 | €739,130 | €644,054 | ▼ 12.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78,526 | €101,690 | €96,614 | €94,192 | €82,810 | ▼ 12.1% |
| Other operating charges640/8 | - | €1,531 | €5,848 | €10,062 | €14,466 | ▲ 43.8% |
| Gross operating margin9900 | €981,580 | €1.1m | €1.1m | €1.2m | €991,709 | ▼ 20.6% |
| Operating profit (loss)9901 | €261,225 | €397,284 | €384,585 | €405,879 | €250,379 | ▼ 38.3% |
| Financial income75/76B | - | €17,247 | €19,461 | €19,882 | €23,671 | ▲ 19.1% |
| Recurring financial income75 | €19,500 | €17,247 | €19,461 | €19,882 | €23,671 | ▲ 19.1% |
| Financial charges65/66B | - | €29,827 | €27,418 | €29,549 | €25,486 | ▼ 13.7% |
| Recurring financial charges65 | €50,209 | €29,827 | €27,418 | €29,549 | €25,486 | ▼ 13.7% |
| Profit (loss) for the period before taxes9903 | €230,516 | €384,704 | €376,628 | €396,213 | €248,564 | ▼ 37.3% |
| Income taxes67/77 | €63,142 | €126,990 | €115,536 | €127,972 | €78,178 | ▼ 38.9% |
| Profit (loss) for the period9904 | €167,375 | €257,714 | €261,092 | €268,241 | €170,386 | ▼ 36.5% |
| Profit (loss) for the period to be appropriated9905 | €167,375 | €257,714 | €261,092 | €268,241 | €170,386 | ▼ 36.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.4m | €3.5m | €3.4m | €3.5m | €3.5m | ▼ 1.1% |
| Fixed assets21/28 | €2.8m | €2.8m | €2.7m | €2.6m | €2.7m | ▲ 2.8% |
| Intangible fixed assets21 | €8,500 | €13,600 | €9,350 | €5,100 | €840 | ▼ 83.5% |
| Tangible fixed assets22/27 | €324,326 | €294,455 | €216,370 | €130,678 | €207,710 | ▲ 58.9% |
| Plant, machinery and equipment23 | - | €207,185 | €158,456 | €99,604 | €47,959 | ▼ 51.8% |
| Furniture and vehicles24 | - | €87,270 | €57,914 | €31,074 | €159,751 | ▲ 414% |
| Financial fixed assets28 | €2.5m | €2.5m | €2.5m | €2.5m | €2.5m | = |
| Current assets29/58 | €556,301 | €699,807 | €715,688 | €867,708 | €756,361 | ▼ 12.8% |
| Stocks and contracts in progress3 | €498,276 | €539,986 | €481,826 | €501,232 | €508,726 | ▲ 1.5% |
| Stocks30/36 | - | €539,986 | €481,826 | €501,232 | €508,726 | ▲ 1.5% |
| Amounts receivable within one year40/41 | €15,340 | €168 | €168 | €17,130 | €31,104 | ▲ 81.6% |
| Trade receivables40 | - | - | - | - | €9,115 | - |
| Other amounts receivable41 | - | €168 | €168 | €17,130 | €21,990 | ▲ 28.4% |
| Cash at bank and in hand54/58 | €41,685 | €158,247 | €225,756 | €346,799 | €215,599 | ▼ 37.8% |
| Deferred charges and accrued income490/1 | - | €1,406 | €7,938 | €2,547 | €931 | ▼ 63.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.4m | €3.5m | €3.4m | €3.5m | €3.5m | ▼ 1.1% |
| Equity10/15 | €794,633 | €1.1m | €1.3m | €1.4m | €1.6m | ▲ 12.1% |
| Contributions10/11 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €722,895 | €968,350 | €1.2m | €1.3m | €1.5m | ▲ 11.1% |
| Non-distributable reserves130/1 | - | €5,000 | €5,000 | - | - | - |
| Reserves not available under the articles1311 | - | - | €5,000 | - | - | - |
| Other1319 | - | €5,000 | - | - | - | - |
| Distributable reserves133 | - | €963,350 | €1.2m | €1.3m | €1.5m | ▲ 11.1% |
| Profit (loss) carried forward14 | €21,738 | €33,997 | €40,544 | €45,148 | €70,080 | ▲ 55.2% |
| Amounts payable17/49 | €2.6m | €2.5m | €2.1m | €2.1m | €1.9m | ▼ 10.0% |
| Amounts payable after more than one year17 | €1.7m | €1.5m | €1.3m | €1.1m | €955,156 | ▼ 9.5% |
| Financial debts170/4 | - | €1.5m | €1.3m | €1.1m | €955,156 | ▼ 9.5% |
| Amounts payable within one year42/48 | €932,215 | €994,015 | €868,670 | €1.0m | €933,319 | ▼ 10.4% |
| Current portion of amounts payable after more than one year42 | - | €200,778 | €202,800 | €204,915 | €220,491 | ▲ 7.6% |
| Financial debts43 | - | €28,102 | €30,756 | €28,241 | €20,437 | ▼ 27.6% |
| Credit institutions430/8 | - | €28,102 | €30,756 | €28,241 | €20,437 | ▼ 27.6% |
| Trade debts44 | €419,939 | €514,670 | €417,721 | €448,211 | €529,370 | ▲ 18.1% |
| Suppliers440/4 | - | €514,670 | €417,721 | €448,211 | €529,370 | ▲ 18.1% |
| Taxes, remuneration and social security45 | - | €225,966 | €190,554 | €167,921 | €125,218 | ▼ 25.4% |
| Taxes450/3 | - | €156,424 | €117,065 | €91,556 | €30,111 | ▼ 67.1% |
| Remuneration and social security454/9 | - | €69,542 | €73,489 | €76,365 | €95,107 | ▲ 24.5% |
| Other amounts payable47/48 | - | €24,499 | €26,839 | €192,218 | €37,803 | ▼ 80.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €167,375 | €257,714 | €261,092 | €268,241 | €170,386 | ▼ 36.5% |
| + Depreciation and write-downs630 | €78,526 | €101,690 | €96,614 | €94,192 | €82,810 | ▼ 12.1% |
| Operating cash flow (approximation) | €245,901 | €359,404 | €357,706 | €362,432 | €253,196 | ▼ 30.1% |
| Investment in fixed assets (approximation) | - | -€76,919 | -€13,681 | -€4,250 | -€155,582 | ▼ 3,561% |
| Change in cash | - | €116,562 | €67,509 | €121,043 | -€131,199 | ▼ 208% |
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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €268,241 ▲2.7%
Operating result €405,879, net result €268,241, both a record.
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €1mEq €1.1m ▲32.4%
5 profitable years in a row build equity to €1.1m.
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €500,000Eq €627,259 ▲54%
3 profitable years in a row build equity to €627,259.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Kontich · 1 establishment unit since 2005
Ground area
4,715 m²
Building footprint
2,552 m²
Volume, LiDAR
14,973 m³
Parcel 11024F0210/00T004, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
ZOWIZOO
since 20052.148.859.905
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024F0210/00T004 | Flanders | 4,715 m² | 1 · 2,552 m² | 8.3 m · 2 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.
Structure & network
Owners and holdings
2 owners · 1 holdingOwners 2
- Audrey Goemannatural personSourceown accounts 30-09-202550%
- Kristof Berxnatural personSourceown accounts 30-09-202550%
Holdings 1
-
100%
According to the annual accounts to 30-09-2025 of TO-BE and those 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
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 9,167 EUR awarded · 9,167 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,839 EUR | 7,719 EUR |
| 2024 | 1 | 2,880 EUR | 0 EUR |
| 2022 | 1 | 1,448 EUR | 1,448 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteKontich2.148.859.905
Dual-learning approval
3 endedWinkelbediende (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 1,330 companies in sector 47762 we hold annual accounts for 479. 216 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
Founded02-09-2005
Fiscal year end30-09
Activities, NACEBEL 2025
47762Retail sale of pets, pet food and pet supplies
46216Wholesale of agricultural produce and animal feed, general range
46231Wholesale of live animals
96993Pet care services, excluding veterinary services
Contact
Phone
03/451.95.95Kontich
E-invoicing
Reachable via Peppol
Peppol ID
0208:0875839823
Also
9925:BE0875839823
Registered
22-04-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.