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TOOLTIP

Active Private limited companyfounded 2019active for 7 yearsRue des Cerisiers 38, 4053 ChaudfontaineKBO/BCE: BE 0729.730.208
TOOLTIP
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €63,184 (2025)
€63,184▲ 11.0%
peak €46,623 (2025)
€46,623▲ 9.0%
peak €92,821 (2022)
€2,500▼ 55.7%
€58,393▲ 10.7%
Board1 name since 2019
1 directorORBAN Ludovic Mireille Jean
Documentsfilings and deeds
26-01-20265 days before the deadline
2025micro format
Dividend €49,762Equity from €5,639 to €2,500

Key points

from the 2025 annual accounts

Equity

€2,500 from €92,821 in 2022

Equity fell by 97% in 3 years.

Turnover

≈ €150,000 estimated

The micro format states no turnover.

Debts

€58,393 96% of the balance sheet
Suppliers 1%Taxes and wages 11%Other 88%

Filings

6 annual accounts 1 late
deadline202020222024

The 2020 accounts came 2 days late. The other five were filed on time.

Position in the sector

€2,500

Less equity than 90% of companies in computer programming and consultancy. Sector median €69,072 · 21,214 companies.

Checked score

92
Excellent
Financially stronger than 34% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).

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

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024highest value 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%▼ -0.1 percentage points vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: 0.1%▲ +0.1 percentage points 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 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Financial strength
Strong

29-6equity 4.1% of total assets
50=short-term debt 95.9% · cash 93.3%
100=return on assets 76.6%

Score breakdown

raises risk
Equity €2,500 (4.1% of total assets)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 0.98, cash €56,843
Size: total assets €60,893
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 12% of them on solvency, 27% on liquidity, 82% on profitability and 13% on growth.

The bankruptcy probability was computed on 10-11-2026 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 30-06-2025.

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, 2,153 companies had the same profile as TOOLTIP has now. Each dot stands for 6 companies, two years later.

96.0%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more

The bankruptcy probability of TOOLTIP itself is lower: 0.1% within 12 months. It rests on far more data about TOOLTIP than the profile alone.

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 2,153 companies, not a prediction for TOOLTIP. 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 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

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Liquidity: current ratio 0.98, cash €56,843
NBB · annual accounts
lowers risk · Size: total assets €60,893
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €2,500 (4.1% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 21208 sector peers (2025).
NBB · sector comparison
Position among 21208 sector peers
Solvency
better than 11%
← weakest strongest →
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 26-01-2026, 5 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
5 days early
2024
12 days early
2023
12 days early
2022
28 days early
2021
11 days early
2020
2 days late
← 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 11 days before 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 (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 19 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 end11-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

OL
ORBAN Ludovic Mireille Jean
Director
  • ORBAN Ludovic Mireille Jean 25 sharesdeed of 05-07-2019
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0729730208
Incorporation Founding capital of €2,500, 25 shares · Founder: ORBAN Ludovic Mireille Jean · Appointment: ORBAN Ludovic Mireille Jean (director) · published on 05-07-2019 · Gazette deed
First establishment Rue des Cerisiers 38, Chaudfontaine
All 11 events

Comparable companies

same main activity, similar in size and age
Company
TOOLTIP Chaudfontaine €60,893 €63,184 4.1% -
DevTactik Lincent €64,929 €64,650 42.4% -
BDC IT Beveren-Kruibeke-Zwijndrecht €61,907 €57,084 23.6% -
DOVAKHIN Halle €63,374 €69,258 12.2% -
EMPIRA Rixensart €67,228 €60,696 27.7% -
UNO IT Anderlecht €68,910 €60,521 20.7% -
DigiPits Overijse €69,731 €62,611 5.9% -

These companies have the same main activity as TOOLTIP: computer programming (NACE 62100). They are comparable in size and age: total assets between €61,900 and €69,700, founded between 2019 and 2020.

Official details

Source: KBO
Status
Active since 03-07-2019Normal situation
Activity
Computer programmingNACE 62100and 2 others
Establishment unit
2.293.640.2244053 Chaudfontaine, since 03-07-2019
Financial year end
30 June
Peppol
Reachable since 12-11-2025
Company details

Annual accounts to 30-06-2025

€63,184▲ 11.0%
€46,623▲ 9.0%
€2,500▼ 55.7%
€60,893▲ 4.3%
Filing
Filed on 26-01-2026, 5 days before the end of the filing period
Financials

Insights on TOOLTIP

TOOLTIP files the micro format. That format states no turnover. The gross margin rose from €16,376 in 2020 to €63,184 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 26-01-2026, 5 days before the deadline
€63,184
▲ 11.0%
€61,636
▲ 10.2%
€63,184
▲ 11.0%
€48,171
▲ 10.0%
4.1%
▼ 5.6 percentage points
0.98
▼ 0.04

Money flows

no detail for 2025

Balance sheet

balance sheet total €60,893 on 30-06-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

4.1%

Higher than 11% of 21,208 companies in 2025.

0.98

Higher than 16% of 20,571 companies in 2025.

76.6%

Higher than 95% of 20,746 companies in 2025.

TOOLTIP Middle half of the sector 80% of the sector Micro accounts in computer programming and consultancy (NACE 62)

Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 60,89358,37954,722109,87866,31727,666
20 0000--
21/28 3,5084,6641,944510168335
22/27 2,3083,4641,944510168335
24 2,3083,4641,944510168335
28 1,2001,200----
29/58 57,38553,71552,778109,36966,14927,331
40/41 2371,4858837,802187363
40 091802,201--
41 2375678835,601187363
54/58 56,84349,72251,631101,32265,73026,668
490/1 3052,508264245232300
Balance sheet: equity and liabilities
10/49 60,89358,37954,722109,87866,31727,666
10/15 2,5005,6395,63992,82154,68214,173
10/11 2,5002,5002,5002,5002,5002,500
100 ----2,5002,500
13 03,1393,1393,139--
133 -3,1393,1393,139--
14 --087,18252,18211,673
17/49 58,39352,74049,08317,05711,63413,493
42/48 58,39352,74049,08317,05711,63412,653
43 --09--
430/8 --09--
44 7841,6841,3603,478772754
440/4 7841,6841,3603,478772754
45 6,2707,1698,07513,47310,8437,146
450/3 6,2707,1698,07513,47310,8437,146
454/9 0000--
47/48 51,33943,88739,64897194,753
492/3 -----840
Income statement
70 --165,223158,614--
9900 63,18456,93657,50453,70155,15616,376
60/61 -111,715109,540106,581--
630 1,5481,0245712931681,293
9901 61,63655,91356,93353,40854,98915,083
75/76B ---12146374
75 ---12146374
65/66B 2,4382,1771,1943,9033,834239
65 2,4382,1771,1943,9033,834239
9903 59,19853,73655,73949,51751,30015,219
67/77 12,57510,97311,39111,37810,7913,546
9904 46,62342,76344,34838,13940,50911,673
9905 46,62342,76344,34838,13940,50911,673
Appropriation of the result
9906 46,62342,763131,53090,32152,18211,673
14P --87,18252,182--
791/2 3,139-----
691/2 ---3,139--
6921 ---3,139--
694/7 49,76242,763131,530---
694 49,76242,763131,530---
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 26-01-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-06-2025 micro format 26-01-2026 2026-00013611 PDF
30-06-2024 micro format 19-01-2025 2025-00008228 PDF
30-06-2023 micro format 19-01-2024 2024-00003560 PDF
30-06-2022 micro format 03-01-2023 2023-20551689 PDF
30-06-2021 micro format 20-01-2022 2022-01300417 PDF
30-06-2020 micro format 02-02-2021 2021-04500353 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
63,18456,93657,50453,70155,15616,376
48,17143,78644,91938,43240,67712,966
3923,7442,0056350503
7,121-1,909-49,69035,59139,062-
-1,0089753,69592,31254,51514,678
--34.5%33.7%--
4.1%9.7%10.3%84.5%82.5%51.2%
0.981.021.086.415.692.16
23.369.358.700.180.210.95
-758.3%786.5%41.1%74.1%82.4%
76.6%73.3%81.0%34.7%61.1%42.2%
25.9226.1648.1713.76--
--0 days5 days--
-6 days5 days12 days--

A ratio outside any meaningful range has been withheld (balance sheet total €60,893, equity €2,500).

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item30-06-202530-06-202430-06-202330-06-2022
Tangible fixed assets€392€2,544€2,005€635
Financial fixed assets-€1,200--
€1,548€1,024€571€293

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on TOOLTIP

The operating result for 2025 is 10% higher than in 2024 and the highest since 2020. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total rises from 90.3% to 95.9%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, since incorporation
ORBAN Ludovic Mireille Jean
Director (not named in the articles)
appointed by deed of 05-07-2019 term without a fixed end
listed in the 2025 annual accounts, filed on 26-01-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
ORBAN Ludovic Mireille Jean
Director (not named in the articles)
Board
Mandates as a list
  • ORBAN Ludovic Mireille Jean
    • Director (not named in the articles), appointed by deed of 05-07-2019, still in office

See the board, name and registered office on a given date →

Control

Founder
ORBAN Ludovic Mireille Jean
This company
TOOLTIP
Equity €2,500
Profit €46,623 in 2025

Capital

Contribution
€2,500
Shares
25
Contribution per share
€100
Equity per share
€100 in 2025
Source
deed of 05-07-2019

Articles of association

deed of 05-07-2019 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
20 December at 18:00

Shareholders

At incorporation deed of 05-07-2019 ↗

Network & group

No group

TOOLTIP has no parent and no holdings in its annual accounts. ORBAN Ludovic Mireille Jean is the only director. TOOLTIP shares no director with another company.

Timeline

Timeline

11 events since 2019

Deadline for the 2026 accounts: 31-01-2027

2026
Annual accounts 2025 filed PDFmicro format · 5 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0729730208
Highest result from 2020 to 2025 net €46,623 ▲9% The operating result of €61,636 and the net result of €46,623 are both a record.
Annual accounts 2024 filed PDFmicro format · 12 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 12 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 28 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 11 days before the deadline
2021
Liquidity more than doubled current ratio 5.69 The current ratio rises from 2.16 to 5.69. Short-term debt falls from €12,653 to €11,634.
Annual accounts 2020 filed PDFmicro format · 2 days late
2019
IncorporationFounding capital of €2,500, 25 shares · Founder: ORBAN Ludovic Mireille Jean · Appointment: ORBAN Ludovic Mireille Jean (director) · published on 05-07-20195 points ▸

Open the deed in the Belgian Official Gazette

First establishment Rue des Cerisiers 38, Chaudfontaine

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 3 July 2019, TOOLTIP was incorporated as a private limited company by one natural person, with a starting capital of €2,500.12 ORBAN Ludovic Mireille Jean is director of the company, appointed by deed of 05-07-2019.2 Total assets went from €27,666 in 2020 to €60,893 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 05-07-2019
  3. 3National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0729.730.208
VAT number
BE 0729.730.208
Peppol ID
0208:0729730208
Other Peppol ID
9925:BE0729730208
Legal form
Private limited company
Status
Active, normal situation
Founded
03-07-2019
Financial year
ends on 30 June
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
20 December at 18:00
deed of 05-07-2019 (in French)
Peppol
Reachable since 12-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
TOOLTIP in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 05-07-2019 (in French)

Activities

NACEBEL 2025
62100 Computer programming main activity
62200 Computer consultancy and computer facilities management
62900 Other information technology and computer services
Codes under NACEBEL 2008
62010 Computer programming, consultancy and related activities main activity
62020 IT consultancy
62030 Computer programming, consultancy and related activities
62090 Computer programming, consultancy and related activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“Le conseil et la consultance en système informatique,les activités de conseil et de service concernant le type et la configuration du…”
7 activities
  1. Le conseil et la consultance en système informatique,les activités de conseil et de service concernant le type et la configuration du matériel informatique et les applications logicielles,en ce compris l’analyse des besoins et des problèmes des utilisateurs directs ou indirects des logiciels.
  2. La résolution de problème informatique.
  3. Toute activité généralement quelconque concernant la conception,la réalisation,la mise en œuvre de logiciels informatiques.
  4. Le traitement,en continu ou non de données à l’aide,soit du programme du client,soit d’un programme propre à l’utilisateur ou à un constructeur,en ce compris les services de saisie et de traitement,complet ou non des données.
  5. La gestion et l’exploitation en continu de matériel informatique appartenant à des tiers.
  6. L’entretien et la réparation d’ordinateur et de matériel informatique en ce compris d’éventuels périphériques appartenant à des tiers.
  7. Toute autre activité rattachée à l’informatique en ce compris le commerce de bien informatiques et accessoires divers.
deed of 05-07-2019 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue des Cerisiers 38 registered office 4053 Chaudfontaine 62200 Computer consultancy and computer facilities management 03-07-2019 2.293.640.224

Buildings and parcels at the address

Ground area
449 m²
Buildings
63 m²
Volume, LiDAR
369 m³
Tallest building
8.1 m
Buildings to scale, each on its own parcel
63 m², 8.1 m 63 m², 8.1 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
62104D0320/00R022449 m² 1 · 63 m² 8.1 m · 2

Contact

E-mail ludovic.orban@gmail.com

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