TO THE POINT
ActiveTO THE POINT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €16k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 14.24 against 9.48 in 2024; short-term debt: 6.7% and cash: 3.3% of total assets), and 8.5% 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○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
Sector 62
lower
← 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 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
91.5%
Return on assets
18.9%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-11-2025, 20 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
20 d late
2024
27 d late
2023
1 d early
2022
on the day
2021
4 d early
2020
26 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▲ 26.1%
2024 · €63k
2019: €37k
2020: €37k
2021: €49k
2022: €34k
2023: €48k
2024: €63k
2019 → 2025
Total assets
€86k▲ 21.4%
2024 · €71k
2019: €40k
2020: €42k
2021: €56k
2022: €41k
2023: €58k
2024: €71k
2019 → 2025
Net result
€16k▼ 2.0%
2024 · €17k
2019: €143
2020: €559
2021: €11k
2022: €2k
2023: €14k
2024: €17k
2019 → 2025
Working capital
€77k▲ 28.5%
2024 · €60k
2019: €28k
2020: €29k
2021: €41k
2022: €24k
2023: €40k
2024: €60k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€34k▼ 30.1%€48k▲ 41.6%€63k▲ 30.6%€79k▲ 26.1%
Operating result€14k-€3k▼ 75.3%€19k▲ 440%€22k▲ 18.6%€21k▼ 7.3%
Net result€11k-€2k▼ 78.1%€14k▲ 471%€17k▲ 18.3%€16k▼ 2.0%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€4k▼ 11.5%
Current assets
€82k▲ 23.7%
Equity and liabilities €86k
Equity
€79k▲ 26.1%
Debt
€7k▼ 13.7%
The debt ratio falls from 11.9% to 8.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €23k
Cash flow
€17k▼
2024 · €17k
Solvency
91.5%▲
2024 · 88.1%
Current ratio
14.24▲
2024 · 9.48
Quick ratio
13.99▲
2024 · 9.27
Debt / equity
0.09▼
2024 · 0.14
ROE
20.7%▼
2024 · 26.6%
ROA
18.9%▼
2024 · 23.5%
Interest coverage
28.75▼
2024 · 29.51
Debt
€7k▼
2024 · €8k
Debt ≤ 1 year
€6k▼
2024 · €7k
Income taxes
€7k▲
2024 · €7k
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€71k€86k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€689€153▼
Furniture and vehicles24€689€153▼
Financial fixed assets28€4k€4k=
Current assets29/58€67k€82k▲
Amounts receivable after more than one year29€41k€20k▼
Other amounts receivable291€41k€20k▼
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€22k€58k▲
Trade receivables40€2k€790▼
Other amounts receivable41€20k€57k▲
Cash at bank and in hand54/58€99€3k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€71k€86k▲
Equity10/15€63k€79k▲
Contributions10/11€20k€20k=
Reserves13€43k€59k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€41k€57k▲
Amounts payable17/49€8k€7k▼
Amounts payable within one year42/48€7k€6k▼
Trade debts44€2k€457▼
Suppliers440/4€2k€457▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€536€536=
Other operating charges640/8€3k€700▼
Gross operating margin9900€26k€22k▼
Operating profit (loss)9901€22k€21k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€775€739▼
Recurring financial charges65€775€739▼
Profit (loss) for the period before taxes9903€23k€24k▲
Income taxes67/77€7k€7k▲
Profit (loss) for the period9904€17k€16k▼
Profit (loss) for the period to be appropriated9905€17k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€16k▼
Transfer to equity691/2€15k€16k▲
To other reserves6921€15k€16k▲
Profit to be distributed694/7€2k-
Directors or managers695€2k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
31-03
Financial
Highest result since 2019net €17k ▲18.3%
Operating result €22k, net result €17k, both a record.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
06-09
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.
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, Oudenaarde · 1 establishment unit since 2007
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.
Beverestraat 489700 OudenaardeGround area
177 m²
Building footprint
105 m²
Volume, LiDAR
830 m³
Parcel 45508B0222/00H000, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TO THE POINT
since 20072.166.468.472
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45508B0222/00H000 | Flanders | 177 m² | 1 · 105 m² | 13.3 m · 3 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
Lilax
BE 0788.587.630
Nijlen · Eq €79k
SKEW CONSULTING
BE 0746.996.505
Elsene · Eq €79k
Assistu groep
BE 0803.159.901
Lanaken · Eq €79k
TEN’S CONSULTING
BE 0688.896.671
Antwerpen · Eq €79k
Silverback Management Services
BE 0802.194.255
Beveren-Kruibeke-Zwijndrecht · Eq €79k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,597 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-10-2007
Fiscal year end31-03
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.