TOP TIMING
ActiveTOP TIMING has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €22k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 2273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency64▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 0.96 in 2024; short-term debt: 24.2% and cash: 5.6% of total assets), and 61.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
38.8%
Return on assets
8.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
17 d late
2024
19 d late
2023
19 d late
2022
8 d late
2021
3 d early
2020
25 d late
2019
68 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€22k▲ 34.2%
2024 · €16k
2019: €17k
2020: €4k
2021: €3k
2022: €16k
2023: €7k
2024: €16k
2019 → 2025
Working capital
€19k
2024 · €-2k
2019: €3k
2020: €-3k
2021: €-17k
2022: €-12k
2023: €-14k
2024: €-2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€55k▲ 41.7%€61k▲ 12.0%€78k▲ 26.9%€100k▲ 28.4%
Operating result€7k-€22k▲ 222%€12k▼ 47.4%€24k▲ 107%€36k▲ 47.9%
Net result€3k-€16k▲ 368%€7k▼ 59.1%€16k▲ 150%€22k▲ 34.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 48% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €258k
Fixed assets
€177k▼ 6.0%
Current assets
€81k▲ 110%
Equity and liabilities €258k
Equity
€100k▲ 28.4%
Debt
€158k▲ 6.2%
The debt ratio falls from 65.6% to 61.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €38k
Cash flow
€36k▲
2024 · €31k
Solvency
38.8%▲
2024 · 34.4%
Current ratio
1.30▲
2024 · 0.96
Quick ratio
1.30▲
2024 · 0.96
Debt / equity
1.58▼
2024 · 1.91
ROE
22.1%▲
2024 · 21.2%
ROA
8.6%▲
2024 · 7.3%
Interest coverage
22.88▲
2024 · 15.24
Debt
€158k▲
2024 · €149k
Debt ≤ 1 year
€62k▲
2024 · €40k
Debt > 1 year
€95k▼
2024 · €108k
Income taxes
€12k▲
2024 · €5k
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€227k€258k▲
Fixed assets21/28€188k€177k▼
Tangible fixed assets22/27€188k€177k▼
Land and buildings22€162k€157k▼
Plant, machinery and equipment23€14k€12k▼
Furniture and vehicles24€12k€7k▼
Current assets29/58€39k€81k▲
Amounts receivable within one year40/41€26k€67k▲
Trade receivables40€26k€67k▲
Cash at bank and in hand54/58€13k€14k▲
Deferred charges and accrued income490/1€1-
Equity and liabilities
Total equity and liabilities10/49€227k€258k▲
Equity10/15€78k€100k▲
Contributions10/11€12k€12k=
Reserves13€106€106=
Non-distributable reserves130/1€106€106=
Reserves not available under the articles1311€106€106=
Profit (loss) carried forward14€65k€88k▲
Amounts payable17/49€149k€158k▲
Amounts payable after more than one year17€108k€95k▼
Financial debts170/4€108k€95k▼
Amounts payable within one year42/48€40k€62k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€5k€16k▲
Suppliers440/4€5k€16k▲
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€12k€26k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€8k€6k▼
Accrued charges and deferred income492/3-€1
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€41k€53k▲
Operating profit (loss)9901€24k€36k▲
Financial income75/76B€7-
Recurring financial income75€7-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B-€55
Profit (loss) for the period before taxes9903€22k€34k▲
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€16k€22k▲
Profit (loss) for the period to be appropriated9905€16k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€88k▲
Profit (loss) brought forward from the previous period14P€49k€65k▲
The notes to these accounts (8 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Highest result since 2019net €22k ▲34.2%
Operating result €36k, net result €22k, both a record.
31-12
Financial
Equity above €100kEq €100k ▲28.4%
7 profitable years in a row build equity to €100k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 8 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €3k ▼15.9%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 68 days late
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, Charleroi · 1 establishment unit since 2017
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.
Rue des Guides 826061 CharleroiGround area
148 m²
Building footprint
59 m²
Volume, LiDAR
356 m³
Parcel 52049B0713/00V000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOP TIMING
since 20172.270.779.995
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049B0713/00V000 | Wallonia | 148 m² | 1 · 59 m² | 8.0 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2017
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.