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TOF

Active
Coöperatieve vennootschap met beperkte aansprakelijkheidfounded 1988active for 38 yearsGustaaf Baertstraat 18, 8200 Brugge, BelgiumKBO/BCE: BE 0434.938.595

From the official registers: KBO 33 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

TOF has been active since 1988 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125,698 and a net result of €57,148. Equity has been growing by about 30% per year since 2019. Its solvency ranks better than 70% of 2,296 sector peers (NACE 63, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

KBO
Status
Active since 15-07-1988 Normal situation
Activity
Other information service activities NACE 63920and 2 others
Establishment unit
2.040.078.165 8200 Brugge, since 05-09-1988
Financial year end
30 June
Peppol
Reachable since 24-11-2023

Board and ownership

Board
  • Acke Jean-MarcDirector

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-06-2025
Gross margin
€60,020
▼ 4.6%
Turnover
≈ €180,000
estimated
Profit
€57,148
▼ 15.1%
Equity
€125,698
▲ 36.8%
Total assets
€169,698
▲ 23.8%
Filed on 31-01-2026, on timePDF
Score breakdownlowers riskLiquidity: current ratio 4.52, cash €128,967Equity €125,698 (74.1% of total assets)Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)Founded in 1988Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 78% of micro companies in computing infrastructure and information services (NACE 63)
Financial strength · tick: 2024
Strong
Solvency 99+7
equity 74.1% of total assets
Liquidity 93-4
short-term debt 21.9% · cash 76.0%
Profitability 100=
return on assets 33.7%
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 0.1% (2,946 companies, NACE 63, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 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%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged 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%▲ +0.1 percentage points vs 01-2026highest value 03-2026: < 0.1%▼ -0.1 percentage points 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 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.52 (6.59 in 2024), above the usual 1.5. Short-term debt is 21.9% and cash 76% of total assets. 25.9% 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 63, micro). It does better than 70% of them on solvency, 84% on liquidity, 85% on profitability and 75% on growth.

The bankruptcy probability was computed on 31-10-2026 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 4.52, cash €128,967
NBB · annual accounts
lowers risk · Equity €125,698 (74.1% of total assets)
NBB · annual accounts
lowers risk · Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
KBO
lowers risk · Founded in 1988
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 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
1 day early
2021
on the day
2020
22 days late
2019
17 days early
← 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 1 day after the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end01-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 5th oldest company in Bruges, Telecoms and IT sectorin the Checked rankings No. 5 View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View
  • Positive: 5 profitable years in a rowprofit 2025: €57,148 5 years View

Comparable companies

These companies have the same main activity as TOF: other information service activities (NACE 63920). They are comparable in size and age: total assets between €115,000 and €430,000, founded between 1977 and 2000.

CompanyTotal assetsGross margin
TOF Brugge€169,698€60,020
MEDISCH KABINET DR. Paul MEERSMAN Kapelle-op-den-Bos€217,216€70,786
IMPROVE Gent€216,573€53,341
NO NONSENS Halle€115,315€99,705
FRIUS Beveren-Kruibeke-Zwijndrecht€158,380€26,657
SANI SPORT & REHAB Houthalen-Helchteren€429,931€61,101
INGOTEC Maaseik€420,614€88,808
Full comparison

Documents

Annual accounts at the NBB

All 33 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about TOF

What is the company number of TOF?
The company number of TOF is 0434.938.595. The VAT number is the same number with BE in front: BE 0434.938.595.
Where is TOF based?
The registered office is at Gustaaf Baertstraat 18, 8200 Brugge.Company details
What does TOF do?
According to the KBO register, the main activity is other information service activities (NACE 63920).
What is the legal form of TOF?
The legal form of TOF is Coöperatieve vennootschap met beperkte aansprakelijkheid.
When was TOF founded?
TOF was founded on 15-07-1988.
Is TOF still active?
Yes, TOF is an active enterprise in the KBO register.
What is the turnover of TOF?
The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €60,020 and 2,678 comparable companies of the same size. It probably lies between €120,000 and €310,000. It is a rough estimate.Financials
Is TOF profitable?
In financial year 2025, TOF made a profit of €57,148.
Where can I find the annual accounts of TOF?
TOF filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of TOF due?
TOF must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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