TOP TRADING SERVICES
ActiveThe computed 12-month bankruptcy probability of TOP TRADING SERVICES is 1.6% (moderate). The 2024 annual accounts show equity of €31k and a net result of €10k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 15868 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-1
Solvency81▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 1.97 in 2023; short-term debt: 44.5% and cash: 23.9% of total assets), and 44.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
55.5%
Return on assets
18%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-06-2025, 58 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
58 d early
2023
54 d early
2022
53 d early
2021
50 d early
2020
55 d early
2019
60 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€31k▲ 2.9%
2023 · €30k
2019: €1k
2020: €1k
2021: €39k
2022: €24k
2023: €30k
2019 → 2024
Total assets
€55k▼ 8.1%
2023 · €60k
2019: €23k
2020: €16k
2021: €66k
2022: €64k
2023: €60k
2019 → 2024
Net result
€10k▼ 11.0%
2023 · €11k
2019: €125
2020: €41
2021: €38k
2022: €-6k
2023: €11k
2019 → 2024
Working capital
€16k▼ 43.6%
2023 · €29k
2019: €2k
2020: €1k
2021: €39k
2022: €22k
2023: €29k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1k-€39k▲ 3,275%€24k▼ 40.1%€30k▲ 25.8%€31k▲ 2.9%
Operating result€212-€48k▲ 22,478%€-5k€18k€20k▲ 11.6%
Net result€41-€38k▲ 93,970%€-6k€11k€10k▼ 11.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 12% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €55k
Fixed assets
€14k▲ 2,382%
Current assets
€41k▼ 31.1%
Equity and liabilities €55k
Equity
€31k▲ 2.9%
Debt
€24k▼ 18.9%
The debt ratio falls from 50.4% to 44.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2023 · €19k
Cash flow
€12k▲
2023 · €12k
Solvency
55.5%▲
2023 · 49.6%
Current ratio
1.67▼
2023 · 1.97
Quick ratio
1.67▼
2023 · 1.97
Debt / equity
0.80▼
2023 · 1.02
ROE
32.3%▼
2023 · 37.4%
ROA
18.0%▼
2023 · 18.5%
Interest coverage
67.53▲
2023 · 30.89
Debt
€24k▼
2023 · €30k
Debt ≤ 1 year
€24k▼
2023 · €30k
Income taxes
€10k▲
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€60k€55k▼
Fixed assets21/28€569€14k▲
Tangible fixed assets22/27€569€14k▲
Plant, machinery and equipment23€569€3k▲
Furniture and vehicles24-€11k
Current assets29/58€59k€41k▼
Amounts receivable within one year40/41€48k€28k▼
Trade receivables40€48k€27k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€11k€13k▲
Equity and liabilities
Total equity and liabilities10/49€60k€55k▼
Equity10/15€30k€31k▲
Contributions10/11€1k€1k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€23k€24k▲
Amounts payable17/49€30k€24k▼
Amounts payable within one year42/48€30k€24k▼
Trade debts44€8k€48▼
Suppliers440/4€8k€48▼
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Other amounts payable47/48€10k€14k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€523€2k▲
Other operating charges640/8€742€861▲
Gross operating margin9900€19k€24k▲
Operating profit (loss)9901€18k€20k▲
Financial income75/76B€5€6▲
Recurring financial income75€5€6▲
Financial charges65/66B€605€336▼
Recurring financial charges65€605€336▼
Profit (loss) for the period before taxes9903€18k€20k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€11k€10k▼
Profit (loss) for the period to be appropriated9905€11k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€33k▼
Profit (loss) brought forward from the previous period14P€23k€23k▲
Transfer to equity691/2€6k-
To other reserves6921€6k-
Profit to be distributed694/7€5k€9k▲
Return on contributions (dividend)694€5k€9k▲
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
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-6k ▼115%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €38k ▲93970%
Operating result €48k, net result €38k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.47
Current ratio from 1.08 to 2.47.
06-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-06
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Antwerpen · 1 establishment unit since 2019
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.
Laarsebaan 2782170 AntwerpenGround area
271 m²
Building footprint
161 m²
Volume, LiDAR
819 m³
Parcel 11422C0118/00B007, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TOP TRADING SERVICES
since 20192.293.129.290
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0118/00B007 | Flanders | 271 m² | 1 · 161 m² | 10.8 m · 1 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.
Similar companies · same sector, comparable size
D-advice
BE 0870.223.127
Dilbeek · Eq €30k
DEMONCEAU XAVIER
BE 0865.191.993
Blégny · Eq €30k
CBS TRADING
BE 0502.681.714
Antwerpen · Eq €30k
DANVOYE HABITAT CONSEIL
BE 0806.761.470
Malmedy · Eq €30k
CONCORD SYSTEM
BE 0449.907.081
Etterbeek · Eq €31k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,569. 1,788 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2019
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.