TODAY IS...

Active

Private limited companyfounded 201610 yrs activeCharlottalei 65, 2930 Brasschaat, BelgiumKBO/BCE: BE 0647.527.359

TODAY IS... has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €129k and a net result of €49k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 72% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

96 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100▲+14

Growth78▲+20

Track record100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €12k at 30 days acceptable

Liquidity ample (current ratio 4.22 against 2.4 in 2023; short-term debt: 22.6% and cash: 38.9% of total assets), and 22.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Growing equity

Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €129k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.

NBB · 9 filings

Deviation from the deadline

2025

not confirmed

2024

14 d early

2023

50 d early

2022

56 d early

2021

54 d early

2020

36 d early

2019

21 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€129k▲ 61.6%

2023 · €80k

2018: €97k 2019: €88k 2020: €82k 2021: €95k 2022: €80k 2023: €80k

2018 → 2024

Total assets

€167k▲ 27.7%

2023 · €131k

2018: €104k 2019: €92k 2020: €83k 2021: €104k 2022: €118k 2023: €131k

2018 → 2024

Net result

€49k▲ 8.7%

2023 · €45k

2018: €38k 2019: €-9k 2020: €16k 2021: €28k 2022: €29k 2023: €45k

2018 → 2024

Working capital

€122k▲ 71.2%

2023 · €71k

2018: €89k 2019: €82k 2020: €79k 2021: €94k 2022: €77k 2023: €71k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€82k-€95k▲ 15.6%€80k▼ 15.8%€80k▼ 0.1%€129k▲ 61.6%

Operating result€23k-€42k▲ 82.2%€40k▼ 2.5%€63k▲ 54.8%€75k▲ 19.7%

Net result€16k-€28k▲ 70.1%€29k▲ 2.4%€45k▲ 59.1%€49k▲ 8.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 20% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €167k

95.5%

Fixed assets €8k▼ 15.3%

Current assets €160k▲ 30.8%

Equity and liabilities €167k

77.4%

22.6%

Equity €129k▲ 61.6%

Debt €38k▼ 25.7%

The debt ratio falls from 38.9% to 22.6%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€76k▲

2023 · €64k

Cash flow

€51k▲

2023 · €46k

Solvency

77.4%▲

2023 · 61.1%

Current ratio

4.22▲

2023 · 2.40

Quick ratio

4.22▲

2023 · 2.40

Debt / equity

0.29▼

2023 · 0.64

ROE

38.1%▼

2023 · 56.7%

ROA

29.5%▼

2023 · 34.6%

Interest coverage

26.02▼

2023 · 983.12

Debt

€38k▼

2023 · €51k

Debt ≤ 1 year

€38k▼

2023 · €51k

Income taxes

€25k▲

2023 · €17k

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€131k€167k▲

Fixed assets21/28€9k€8k▼

Tangible fixed assets22/27€3k€2k▼

Furniture and vehicles24€3k€2k▼

Financial fixed assets28€6k€6k=

Current assets29/58€122k€160k▲

Amounts receivable within one year40/41€13k€16k▲

Trade receivables40€11k€14k▲

Other amounts receivable41€2k€2k▲

Current investments50/53€61k€78k▲

Cash at bank and in hand54/58€47k€65k▲

Deferred charges and accrued income490/1€2k€58▼

Equity and liabilities

Total equity and liabilities10/49€131k€167k▲

Equity10/15€80k€129k▲

Contributions10/11€19k€19k=

Reserves13€46k€95k▲

Non-distributable reserves130/1€0-

Other1319€0-

Distributable reserves133€46k€95k▲

Profit (loss) carried forward14€16k€16k▲

Amounts payable17/49€51k€38k▼

Amounts payable within one year42/48€51k€38k▼

Financial debts43-€13

Credit institutions430/8-€13

Trade debts44€4k€2k▼

Suppliers440/4€4k€2k▼

Taxes, remuneration and social security45€5k€5k▼

Taxes450/3€5k€5k▼

Other amounts payable47/48€42k€31k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲

Other operating charges640/8€1k€3k▲

Non-recurring operating charges66A€0-

Gross operating margin9900€65k€79k▲

Operating profit (loss)9901€63k€75k▲

Financial income75/76B-€2k

Recurring financial income75-€2k

Financial charges65/66B€65€3k▲

Recurring financial charges65€65€3k▲

Profit (loss) for the period before taxes9903€63k€74k▲

Income taxes67/77€17k€25k▲

Profit (loss) for the period9904€45k€49k▲

Profit (loss) for the period to be appropriated9905€45k€49k▲

Appropriation of the result

Profit (loss) to be appropriated9906€46k€65k▲

Profit (loss) brought forward from the previous period14P€815€16k▲

Transfer from equity791/2€15k€0▼

Transfer to equity691/2-€49k

To other reserves6921-€49k

Profit to be distributed694/7€45k€0▼

Return on contributions (dividend)694€45k€0▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 5Filings 9

2025

17-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2018net €49k ▲8.7%

Operating result €75k, net result €49k, both a record.

31-12

Financial Equity above €100kEq €129k ▲61.6%

5 profitable years in a row build equity to €129k.

11-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

05-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

07-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

25-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Back to profitnet €16k

Net result €16k after one loss-making year.

31-12

Financial Liquidity times 9current ratio 184.47

Current ratio from 21.45 to 184.47; short-term debt falls from €4k to €429.

10-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Weakest financial yearnet €-9k ▼124%

Net result drops to €-9k, the lowest in the series; recovery starts the following year.

15-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

21-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

06-06

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Brasschaat · 1 establishment unit since 2016

establishment The establishment unit on the map

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.

Charlottalei 652930 Brasschaat

Ground area

366 m²

Building footprint

145 m²

Volume, LiDAR

854 m³

Parcel 11323F0040/00R002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

TODAY IS...

Charlottalei 65, 2930 BrasschaatFinancial service activities, except insurance and pension funding

since 20162.249.831.262

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11323F0040/00R002	Flanders	366 m²	1 · 145 m²	10.0 m · 2 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

Sint-Niklaas · Eq €129k

Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,848 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-01-2016

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

73110Advertising agencies

Sources

Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.