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To The Point at Work

Active
Public limited companyfounded 1973active for 52 yearsMechelsesteenweg 172, 2018 Antwerpen, BelgiumKBO/BCE: BE 0413.698.070
Summary

To The Point at Work has been active since 1973 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €872,313 and a net result of €260,213. Equity has been growing by about 23% per year since 2018. Its solvency ranks better than 83% of 2,083 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 20-12-1973 Normal situation
Registered office
11 active companies are registered at this address Source: KBO register, as of 3 November 2026.
Activity
Public relations and communication consultancy NACE 73300
Establishment unit
2.106.632.241 2018 Antwerpen, since 09-11-1985
Financial year end
31 December
Peppol
Reachable since 24-11-2023

Board and ownership

Board

Financial position

98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€227,095
▲ 142%
Turnover
≈ €420,000
estimated
Profit
€260,213
▲ 251%
Equity
€872,313
▲ 42.5%
Total assets
€1.1m
▲ 35.6%
Net result +251%: other schema
Score breakdownlowers riskLiquidity: current ratio 5.38, cash €887,250Equity €872,313 (81.6% of total assets)Size: total assets €1.1mFounded in 1973Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 83% of micro companies in advertising and market research (NACE 73)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 81.6% of total assets
Liquidity 95+36
short-term debt 18.4% · cash 83.0%
Profitability 99+18
return on assets 24.3%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,227 companies, NACE 73, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: 0.1%▲ +0.1 percentage points vs 04-2025 06-2025: < 0.1%▼ -0.1 percentage points vs 05-2025 07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value 08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged 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 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value
Credit of up to €85,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.38 (4.39 in 2024), above the usual 1.5. Short-term debt is 18.4% and cash 83% of total assets. 18.4% of the assets are financed with debt and provisions.
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 73, micro). It does better than 87% of them on solvency, 88% on liquidity, 76% on profitability and 81% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 5.38, cash €887,250
NBB · annual accounts
lowers risk · Equity €872,313 (81.6% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €1.1m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 1973
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
2 days early
2023
35 days early
2022
31 days late
2021
29 days late
2020
4 days late
2019
63 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 13 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Result rose in 2025different schema filed ▲ 251% View
  • Positive: Higher net result than 90% of companies in advertising and market researchsector median €16,371 · 2,082 companies €260,213 View
  • Board changedlatest change 01-08-2026 · 3 in office 1 joined · 1 left View
  • Positive: 6 profitable years in a rowprofit 2025: €260,213 6 years View

Recent changes

  1. · Gazette deed 2 directors appointed, 1 director resigningAppointments: Arthur Gruwez (director) and Valentine Gruwez (managing director) · Resignation: Edouard Gruwez (managing director) · Permanent representatives: Johan Jacobs, Kris Bollen and 4 others
  2. · Gazette deed 4 reappointedPermanent representatives: Johan Jacobs, Kris Bollen and 4 others · Reappointments: Edouard Gruwez, Valentine Gruwez and Henri Gruwez
All 18 events

Comparable companies

These companies have the same main activity as To The Point at Work: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €751,000 and €1.5m, founded between 1980 and 1989.

CompanyTotal assetsGross margin
To The Point at Work Antwerpen€1.1m€0.2m
POTINIERE IMMOBILIERE Brussel€0.9m€0.3m
ONAFHANKELIJK STUDIE- EN EXPERTISEBUREAU Herentals€0.9m€0.3m
Entreprises E.T.H. Jodoigne€1.1m€0.2m
INFINAS Kortrijk€0.8m€0.3m
VALVEKENS Genk€1.5m€0.2m
CCL Consult BVBA Denderleeuw€1.0m€0.4m
Full comparison

Key facts about To The Point at Work

What is the company number of To The Point at Work?
The company number of To The Point at Work is 0413.698.070. The VAT number is the same number with BE in front: BE 0413.698.070.
Where is To The Point at Work based?
The registered office is at Mechelsesteenweg 172, 2018 Antwerpen.Company details
What does To The Point at Work do?
According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
What is the legal form of To The Point at Work?
The legal form of To The Point at Work is Public limited company (NV).
When was To The Point at Work founded?
To The Point at Work was founded on 20-12-1973.
Is To The Point at Work still active?
Yes, To The Point at Work is an active enterprise in the KBO register.
What is the turnover of To The Point at Work?
The turnover in financial year 2025 is ≈ €420,000. This figure is estimated from the gross margin of €227,095 and 38 comparable companies (NACE 73). It probably lies between €320,000 and €830,000.Financials
Is To The Point at Work profitable?
In financial year 2025, To The Point at Work made a profit of €260,213.
Where can I find the annual accounts of To The Point at Work?
To The Point at Work filed 47 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of To The Point at Work due?
To The Point at Work must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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