Equity
€79,170 ▲ 26.1%
TO THE POINT has made a profit in every financial year since 2009.
TO THE POINT
Lifetime
17 annual accounts with figures on one time axisGross marginpeak €94,243 (2009)
€21,941▼ 15.7%
Resultpeak €42,046 (2009)
€16,377▼ 2.0%
Equitypeak €79,170 (2025)
€79,170▲ 26.1%
Debts
€7,323▼ 13.7%
Board1 name since 2022
1 directorCovemaeker Jeroen
Documentsfilings and deeds
20-11-202520 days late
2025micro format
Gross margin from €26,016 to €21,941Equity from €62,793 to €79,170Cash from €99 to €2,846
Key points
from the 2025 annual accountsFilings
17 annual accounts 6 days past the deadline
2026 accounts not filed: deadline was 31-10-2026.
Position in the sector
91.5%
Higher solvency than 90% of companies in computer programming and consultancy. Sector median 60.0% · 21,186 companies.
Checked score
88
Excellent
Financially stronger than 62% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,923 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.3%▲ +0.1 percentage points vs 09-2025
11-2025: 0.5%▲ +0.2 percentage points vs 10-2025highest value
12-2025: 0.1%▼ -0.4 percentage points vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026lowest value
05-2026: 0.1%● unchanged vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026
11-2026: 0.3%▲ +0.1 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Figures for financial year 2025 (filed on 20-11-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 20 days late
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €79,170 (91.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 36% on liquidity, 56% on profitability and 69% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as TO THE POINT has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of TO THE POINT itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for TO THE POINT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 14.24 (9.48 in 2024), above the usual 1.5. Short-term debt is 6.7% and cash 3.3% of total assets. 8.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 20 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2026
not filed
2025
20 days late
2024
27 days late
2023
1 day early
2022
on the day
2021
4 days early
2020
26 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 3 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0893073357
Incorporation
published on 06-11-2007 · Gazette deed
First establishment
Beverestraat 48, Oudenaarde
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| TO THE POINT Oudenaarde | €86,494 | €21,941 | 91.5% | - |
| netaddICTs Aalter | €81,648 | €24,482 | 85.8% | - |
| M A SOFTWARE TECHNOLOGIES Laarne | €86,807 | €24,709 | 76.3% | - |
| KV CONSULT Aalter | €75,926 | €20,935 | 61.2% | - |
| ELLIVIT Evere | €82,728 | €22,864 | 70.3% | - |
| HOBB-IT Nijlen | €77,081 | €20,428 | 45.0% | - |
| Mediamash Kalmthout | €92,497 | €24,991 | 45.4% | - |
These companies have the same main activity as TO THE POINT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €75,900 and €92,500, founded between 2006 and 2009.
Official details
Source: KBO- Status
- Active since 25-10-2007Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Establishment unit
- 2.166.468.4729700 Oudenaarde, since 25-10-2007
- Financial year end
- 31 March
- Peppol
- Reachable since 16-12-2025
Annual accounts to 31-03-2025
- Turnover
- ≈ €120,000estimated
- Total assets
- €86,494▲ 21.4%
- Filing
- Filed on 20-11-2025
Insights on TO THE POINT
TO THE POINT files the micro format. That format states no turnover. The gross margin fell from €94,243 in 2009 to €21,941 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TO THE POINT
- What is the company number of TO THE POINT?
- The company number of TO THE POINT is 0893.073.357. The VAT number is the same number with BE in front: BE 0893.073.357.
- Where is TO THE POINT based?
- The registered office is at Beverestraat 48, 9700 Oudenaarde.Company details
- What does TO THE POINT do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of TO THE POINT?
- TO THE POINT is a private limited company (pre-2019) (BVBA).
- When was TO THE POINT founded?
- TO THE POINT was founded on 25-10-2007.
- Is TO THE POINT still active?
- Yes, TO THE POINT is an active enterprise in the KBO register.
- What is the turnover of TO THE POINT?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €21,941 and 73 comparable companies (NACE 62200). It probably lies between €56,000 and €230,000. It is a rough estimate.Financials
- Is TO THE POINT profitable?
- In financial year 2025, TO THE POINT made a profit of €16,377.
- Where can I find the annual accounts of TO THE POINT?
- TO THE POINT filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.