TO-THE-POINT
ActiveTO-THE-POINT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €276k and a net result of €-3k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 201 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability17▲+17
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
short-term debt: 0% and cash: 30.5% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 60
Relative position
BE, all sectors
reference
Sector 60
lower
← fewer bankruptcies
more bankruptcies →
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
100%
Return on assets
-1.3%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-10-2025, 67 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
67 d late
2023
29 d late
2022
29 d late
2021
240 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€276k▼ 1.2%
2023 · €280k
2018: €116k
2019: €117k
2020: €119k
2021: €110k
2022: €340k
2023: €280k
2018 → 2024
Total assets
€276k▼ 1.3%
2023 · €280k
2018: €119k
2019: €120k
2020: €122k
2021: €113k
2022: €340k
2023: €280k
2018 → 2024
Net result
€-3k▲ 94.3%
2023 · €-60k
2018: €-3k
2019: €197
2020: €2k
2021: €-9k
2022: €230k
2023: €-60k
2018 → 2024
Working capital
€106k▼ 3.3%
2023 · €110k
2018: €33k
2019: €37k
2020: €11k
2021: €5k
2023: €110k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€119k-€110k▼ 7.4%€340k▲ 209%€280k▼ 17.7%€276k▼ 1.2%
Operating result€2k-€-9k€41k€-8k€-3k▲ 57.9%
Net result€2k-€-9k€230k€-60k€-3k▲ 94.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €8k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €276k
Fixed assets
€170k▲ 0.1%
Current assets
€106k▼ 3.6%
Equity and liabilities €276k
Equity
€276k▼ 1.2%
Debt
€14▼ 95.9%
The debt ratio falls from 0.1% to 0.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▲
2023 · €-6k
Cash flow
€-3k▲
2023 · €-58k
Solvency
100.0%▲
2023 · 99.9%
Debt / equity
0.00▼
2023 · 0.00
ROE
-1.3%▲
2023 · -21.5%
ROA
-1.3%▲
2023 · -21.5%
Interest coverage
-113.84▲
2023 · -231.42
Debt
€14▼
2023 · €335
Debt ≤ 1 year
€14▼
2023 · €335
A ratio outside any meaningful range has been withheld (balance sheet total €276k, equity €276k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€280k€276k▼
Fixed assets21/28€170k€170k▲
Tangible fixed assets22/27€60k€59k▼
Land and buildings22€59k€59k▼
Furniture and vehicles24€673-
Financial fixed assets28€110k€111k▲
Current assets29/58€110k€106k▼
Amounts receivable within one year40/41€14k€22k▲
Other amounts receivable41€14k€22k▲
Cash at bank and in hand54/58€95k€84k▼
Deferred charges and accrued income490/1€417-
Equity and liabilities
Total equity and liabilities10/49€280k€276k▼
Equity10/15€280k€276k▼
Contributions10/11€25k€25k=
Outside capital11€25k€25k=
Other1109/19€25k€25k=
Reserves13€15k€15k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€9k€9k=
Profit (loss) carried forward14€240k€236k▼
Amounts payable17/49€335€14▼
Amounts payable within one year42/48€335€14▼
Trade debts44€335€14▼
Suppliers440/4€335€14▼
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€4k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€189▼
Other operating charges640/8€2k-
Non-recurring operating charges66A-€673
Gross operating margin9900€-4k€-3k▲
Operating profit (loss)9901€-8k€-3k▲
Financial charges65/66B€25€29▲
Recurring financial charges65€25€29▲
Profit (loss) for the period before taxes9903€-8k€-3k▲
Income taxes67/77€52k-
Profit (loss) for the period9904€-60k€-3k▲
Profit (loss) for the period to be appropriated9905€-60k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€240k€236k▼
Profit (loss) brought forward from the previous period14P€300k€240k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
31-12
Financial
Liquidity times 23current ratio 7645.65
Current ratio from 328.59 to 7645.65; short-term debt falls from €335 to €14.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-60k ▼126%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 240 days late
2022
31-12
Financial
Back to profitnet €230k
Net result €230k after one loss-making year.
31-12
Financial
Equity above €200kEq €340k ▲209%
Equity rises from €110k to €340k.
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €197
Net result €197 after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 59 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Asse · 1 establishment unit since 1993
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.
Benedenstraat 471730 AsseGround area
1,162 m²
Building footprint
188 m²
Volume, LiDAR
789 m³
Parcel 23322C0338/00K000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TO-THE-POINT
since 19932.063.096.760
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322C0338/00K000 | Flanders | 1,162 m² | 1 · 188 m² | 6.4 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400MYAXZXMAK0T015
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Of 331 companies in sector 60100 we hold annual accounts for 79. 48 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-06-1993
Fiscal year end31-12
Activities, NACEBEL
60100Programming, broadcasting, news agency and other content distribution activities
92201
59114Motion picture, video and television programme production, sound recording and music publishing activities
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.