TOONDER
ActiveTOONDER has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194k and a net result of €38k. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 94% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+1
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 10.77 against 2.51 in 2024; short-term debt: 5.2% and cash: 19.2% of total assets), and 5.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
94.8%
Return on assets
18.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
61 d late
2022
30 d late
2021
16 d late
2020
23 d late
2019
83 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€194k▲ 24.3%
2024 · €156k
2018: €215k
2019: €279k
2020: €295k
2021: €225k
2022: €234k
2023: €225k
2024: €156k
2018 → 2025
Total assets
€205k▲ 2.3%
2024 · €200k
2018: €220k
2019: €280k
2020: €368k
2021: €384k
2022: €324k
2023: €307k
2024: €200k
2018 → 2025
Net result
€38k▲ 4.5%
2024 · €36k
2018: €76k
2019: €65k
2020: €71k
2021: €68k
2022: €74k
2023: €63k
2024: €36k
2018 → 2025
Working capital
€104k▲ 56.2%
2024 · €66k
2018: €213k
2019: €226k
2020: €250k
2021: €188k
2022: €169k
2023: €133k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€225k-€234k▲ 4.0%€225k▼ 3.7%€156k▼ 30.6%€194k▲ 24.3%
Operating result€90k-€102k▲ 12.6%€80k▼ 21.7%€45k▼ 43.3%€47k▲ 3.5%
Net result€68k-€74k▲ 7.9%€63k▼ 15.2%€36k▼ 42.1%€38k▲ 4.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€90k▲ 0.6%
Current assets
€114k▲ 3.6%
Equity and liabilities €205k
Equity
€194k▲ 24.3%
Debt
€11k▼ 75.8%
The debt ratio falls from 22.0% to 5.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▲
2024 · €47k
Cash flow
€39k▲
2024 · €38k
Solvency
94.8%▲
2024 · 78.0%
Current ratio
10.77▲
2024 · 2.51
Quick ratio
10.77▲
2024 · 2.51
Debt / equity
0.05▼
2024 · 0.28
ROE
19.5%▼
2024 · 23.2%
ROA
18.5%▲
2024 · 18.1%
Interest coverage
1043.34▲
2024 · 708.76
Debt
€11k▼
2024 · €44k
Debt ≤ 1 year
€11k▼
2024 · €44k
Income taxes
€15k▲
2024 · €11k
Staff costs
€219
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€200k€205k▲
Fixed assets21/28€90k€90k▲
Tangible fixed assets22/27€7k€10k▲
Land and buildings22€5k€9k▲
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€83k€80k▼
Current assets29/58€110k€114k▲
Amounts receivable within one year40/41€22k€23k▲
Trade receivables40€15k€14k▼
Other amounts receivable41€8k€8k▲
Current investments50/53€49k€51k▲
Cash at bank and in hand54/58€37k€39k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€200k€205k▲
Equity10/15€156k€194k▲
Contributions10/11€19k€19k=
Reserves13€38k€76k▲
Distributable reserves133€38k€76k▲
Profit (loss) carried forward14€100k€100k=
Amounts payable17/49€44k€11k▼
Amounts payable within one year42/48€44k€11k▼
Trade debts44€2k€408▼
Suppliers440/4€2k€408▼
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€32k€28▼
Income statement
Code20242025
Remuneration, social security and pensions62-€219
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€49k€50k▲
Operating profit (loss)9901€45k€47k▲
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€67€46▼
Recurring financial charges65€67€46▼
Profit (loss) for the period before taxes9903€47k€53k▲
Income taxes67/77€11k€15k▲
Profit (loss) for the period9904€36k€38k▲
Profit (loss) for the period to be appropriated9905€36k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€136k€137k▲
Profit (loss) brought forward from the previous period14P€100k€100k=
Transfer to equity691/2€36k€38k▲
To other reserves6921€36k€38k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 10.77
Current ratio from 2.51 to 10.77; short-term debt falls from €44k to €11k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €36k ▼42.1%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 83 days late
2019
31-12
Financial
Liquidity times 8current ratio 345.30
Current ratio from 43.88 to 345.30; short-term debt falls from €5k to €655.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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
2 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, Geraardsbergen · 1 establishment unit since 2014
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.
Kampstraat(Onk) 219500 GeraardsbergenGround area
1,026 m²
Building footprint
201 m²
Volume, LiDAR
1,149 m³
Parcel 41050A0361/00G000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kampstraat(Onk) 21, 9500 Geraardsbergen
since 20142.231.155.002
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41050A0361/00G000 | Flanders | 1,026 m² | 1 · 201 m² | 7.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 509 EUR awarded · 509 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 509 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500QGMTYQKL21SD36
Similar companies · same sector, comparable size
ABEONA
BE 0502.419.913
Wichelen · Eq €194k
Koninckx Remco
BE 0723.555.365
Hasselt · Eq €194k
MAHLO - OUEST
BE 0479.153.670
Eupen · Eq €196k
SAMI
BE 0877.083.007
Vosselaar · Eq €192k
Sonian Wood Coop
BE 0746.604.149
Anderlecht · Eq €192k
Of 1,137 companies in sector 46130 we hold annual accounts for 646. 506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2014
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.