Top & Together
ActiveSummary
Top & Together has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €65k. Its solvency ranks better than 13% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes
Profitability81
Solvency33
Growth-
Track record67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.5; short-term debt: 74.6% and cash: 7.8% of total assets), and 92.3% of the assets are financed with debt.
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Signals
Five 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
7.7%
Return on assets
9.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8692 sector peers (2025).
NBB · sector comparisonPosition among 8692 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€53k
Total assets
€681k
Net result
€65k
Working capital
€-256k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €681k
Fixed assets
€429k
Current assets
€252k
Equity and liabilities €681k
Equity
€53k
Debt
€629k
Debt finances 92.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€93k
Cash flow
€65k
Current ratio
0.50
Debt to equity
11.92
ROE
124.0%
ROA
9.6%
Interest coverage
7.93
Debt ≤ 1 year
€508k
Debt > 1 year
€120k
Income taxes
€16k
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €81 |
| Other operating charges640/8 | €2k |
| Gross operating margin9900 | €94k |
| Operating profit (loss)9901 | €93k |
| Financial charges65/66B | €12k |
| Recurring financial charges65 | €12k |
| Profit (loss) for the period before taxes9903 | €81k |
| Income taxes67/77 | €16k |
| Profit (loss) for the period9904 | €65k |
| Profit (loss) for the period to be appropriated9905 | €65k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €681k | |
| Fixed assets21/28 | €429k | |
| Tangible fixed assets22/27 | €8k | |
| Land and buildings22 | €7k | |
| Plant, machinery and equipment23 | €2k | |
| Financial fixed assets28 | €421k | |
| Current assets29/58 | €252k | |
| Amounts receivable within one year40/41 | €199k | |
| Trade receivables40 | €187k | |
| Other amounts receivable41 | €12k | |
| Cash at bank and in hand54/58 | €53k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €681k | |
| Equity10/15 | €53k | |
| Contributions10/11 | €1k | |
| Reserves13 | €52k | |
| Distributable reserves133 | €52k | |
| Amounts payable17/49 | €629k | |
| Amounts payable after more than one year17 | €120k | |
| Financial debts170/4 | €120k | |
| Amounts payable within one year42/48 | €508k | |
| Current portion of amounts payable after more than one year42 | €21k | |
| Financial debts43 | €30k | |
| Credit institutions430/8 | €30k | |
| Trade debts44 | €65k | |
| Suppliers440/4 | €65k | |
| Advances received on contracts in progress46 | €133k | |
| Taxes, remuneration and social security45 | €29k | |
| Taxes450/3 | €29k | |
| Other amounts payable47/48 | €231k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €65k |
| + Depreciation and write-downs630 | €81 |
| Operating cash flow (approximation) | €65k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Zoersel · 1 establishment unit since 2024
Ground area
4,373 m²
Building footprint
269 m²
Volume, LiDAR
899 m³
Parcel 11017A0468/00C000, Flanders · tallest building 13.9 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Top & Together
since 20242.366.673.603
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017A0468/00C000 | Flanders | 4,373 m² | 1 · 269 m² | 13.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 38,351 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.