TOPE
ActiveSummary
TOPE has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €522k and a net result of €13k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 1048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability42▼-34
Solvency47▼-11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.27 against 1.21 in 2024; short-term debt: 49.7% and cash: 0.1% of total assets), and 77.5% of the assets are financed with debt.
Credit check 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 · 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
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
22.5%
Return on assets
0.6%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
28 d early
2023
30 d late
2022
28 d late
2021
79 d late
2020
29 d early
2019
46 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€522k▲ 2.6%
2024 · €508k
2018: €188klowest in 8 years
2019: €207k▲ +9.9% vs 2018
2020: €193k▼ -6.5% vs 2019
2021: €215k▲ +11.0% vs 2020
2022: €272k▲ +26.7% vs 2021
2023: €423k▲ +55.6% vs 2022
2024: €508k▲ +20.1% vs 2023
2025: €522k▲ +2.6% vs 2024highest in 8 years
2018 → 2025
Total assets
€2.32M▲ 53.0%
2024 · €1.52M
2018: €1.17M
2019: €951k▼ -18.5% vs 2018lowest in 8 years
2020: €1.10M▲ +15.1% vs 2019
2021: €1.07M▼ -2.0% vs 2020
2022: €1.02M▼ -4.5% vs 2021
2023: €1.14M▲ +11.7% vs 2022
2024: €1.52M▲ +32.7% vs 2023
2025: €2.32M▲ +53.0% vs 2024highest in 8 years
2018 → 2025
Net result
€13k▼ 84.3%
2024 · €85k
2018: €36k
2019: €19k▼ -48.7% vs 2018
2020: €-13k▼ -172% vs 2019lowest in 8 years
2021: €21k▲ +258% vs 2020
2022: €57k▲ +169% vs 2021
2023: €151k▲ +163% vs 2022highest in 8 years
2024: €85k▼ -43.6% vs 2023
2025: €13k▼ -84.3% vs 2024
2018 → 2025
Working capital
€-847k
2024 · €52k
2018: €-259k
2019: €-212k▲ +17.9% vs 2018
2020: €-242k▼ -13.7% vs 2019
2021: €-192k▲ +20.4% vs 2020
2022: €-135k▲ +29.5% vs 2021
2023: €-134k▲ +1.1% vs 2022
2024: €52k▲ +139% vs 2023highest in 8 years
2025: €-847k▼ -1740% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€215k-€272k▲ 26.7%€423k▲ 55.6%€508k▲ 20.1%€522k▲ 2.6%
2021: €215klowest in 5 years
2022: €272k▲ +26.7% vs 2021
2023: €423k▲ +55.6% vs 2022
2024: €508k▲ +20.1% vs 2023
2025: €522k▲ +2.6% vs 2024highest in 5 years
Operating result€34k-€99k▲ 193%€234k▲ 137%€143k▼ 38.7%€67k▼ 53.3%
2021: €34klowest in 5 years
2022: €99k▲ +193% vs 2021
2023: €234k▲ +137% vs 2022highest in 5 years
2024: €143k▼ -38.7% vs 2023
2025: €67k▼ -53.3% vs 2024
Net result€21k-€57k▲ 169%€151k▲ 163%€85k▼ 43.6%€13k▼ 84.3%
2021: €21k
2022: €57k▲ +169% vs 2021
2023: €151k▲ +163% vs 2022highest in 5 years
2024: €85k▼ -43.6% vs 2023
2025: €13k▼ -84.3% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.32M
Fixed assets
€2.02M ▲ 65.8%
Current assets
€306k ▲ 1.5%
Equity and liabilities €2.32M
Equity
€522k ▲ 2.6%
Provisions
€59k =
Debt
€1.74M ▲ 83.2%
Debt's share of the balance-sheet total rises from 62.6% to 75.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€125k▼
2024 · €209k
Cash flow
€72k▼
2024 · €151k
Current ratio
0.27▼
2024 · 1.21
Quick ratio
0.22▼
2024 · 1.20
Debt to equity
3.34▲
2024 · 1.87
ROE
2.6%▼
2024 · 16.8%
ROA
0.6%▼
2024 · 5.6%
Interest coverage
2.65▼
2024 · 6.09
Debt ≤ 1 year
€1.15M▲
2024 · €250k
Debt > 1 year
€589k▼
2024 · €694k
Income taxes
€6k▼
2024 · €24k
Staff costs
€0▲
2024 · €-66
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.52M€2.32M▲
Fixed assets21/28€1.22M€2.02M▲
Tangible fixed assets22/27€1.22M€2.02M▲
Land and buildings22€1.16M€1.98M▲
Plant, machinery and equipment23€45k€37k▼
Furniture and vehicles24€8k€4k▼
Current assets29/58€302k€306k▲
Amounts receivable after more than one year29€160k€160k=
Trade receivables290€160k€0▼
Other amounts receivable291-€160k
Stocks and contracts in progress3€2k€54k▲
Stocks30/36€2k€54k▲
Amounts receivable within one year40/41€64k€76k▲
Trade receivables40€26k€58k▲
Other amounts receivable41€38k€17k▼
Cash at bank and in hand54/58€24k€3k▼
Deferred charges and accrued income490/1€52k€13k▼
Equity and liabilities
Total equity and liabilities10/49€1.52M€2.32M▲
Equity10/15€508k€522k▲
Contributions10/11€198k€198k=
Capital10€198k€198k=
Issued capital100€198k€198k=
Reserves13€234k€322k▲
Non-distributable reserves130/1€6k€6k▲
Legal reserve130€6k€6k▲
Tax-exempt reserves132€180k€180k=
Distributable reserves133€49k€136k▲
Profit (loss) carried forward14€76k€1k▼
Provisions and deferred taxes16€59k€59k=
Deferred taxes168€59k€59k=
Amounts payable17/49€951k€1.74M▲
Amounts payable after more than one year17€694k€589k▼
Financial debts170/4€694k€589k▼
Amounts payable within one year42/48€250k€1.15M▲
Current portion of amounts payable after more than one year42€75k€80k▲
Financial debts43-€771k
Credit institutions430/8-€771k
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Advances received on contracts in progress46€9k€9k=
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€10k€10k▲
Other amounts payable47/48€150k€283k▲
Accrued charges and deferred income492/3€7k€0▼
Income statement
Code20242025
Non-recurring operating income76A€114k€0▼
Remuneration, social security and pensions62€-66€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€58k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€847
Other operating charges640/8€42k€30k▼
Gross operating margin9900€250k€156k▼
Operating profit (loss)9901€143k€67k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€34k€47k▲
Recurring financial charges65€34k€47k▲
Profit (loss) for the period before taxes9903€109k€20k▼
Income taxes67/77€24k€6k▼
Profit (loss) for the period9904€85k€13k▼
Profit (loss) for the period to be appropriated9905€85k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€89k▲
Profit (loss) brought forward from the previous period14P€-5k€76k▲
Transfer to equity691/2€4k€88k▲
To the legal reserve6920€4k€671▼
To other reserves6921-€87k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €256k | €114k | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €30k | €36k | €3k | €-66 | €0 | ▲ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €80k | €84k | €64k | €65k | €58k | ▼ 11.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €847 | - |
| Other operating charges640/8 | €21k | €12k | €33k | €42k | €30k | ▼ 27.5% |
| Gross operating margin9900 | €165k | €231k | €334k | €250k | €156k | ▼ 37.6% |
| Operating profit (loss)9901 | €34k | €99k | €234k | €143k | €67k | ▼ 53.3% |
| Financial income75/76B | €5k | €22 | €1 | €0 | €0 | ▼ 81.8% |
| Recurring financial income75 | €312 | €22 | €1 | €0 | €0 | ▼ 81.8% |
| Non-recurring financial income76B | €5k | - | - | - | - | - |
| Financial charges65/66B | €17k | €23k | €24k | €34k | €47k | ▲ 37.4% |
| Recurring financial charges65 | €17k | €23k | €24k | €34k | €47k | ▲ 37.4% |
| Profit (loss) for the period before taxes9903 | €22k | €75k | €210k | €109k | €20k | ▼ 81.8% |
| Transfer to deferred taxes680 | - | - | €59k | - | - | - |
| Income taxes67/77 | €544 | €18k | €444 | €24k | €6k | ▼ 73.1% |
| Profit (loss) for the period9904 | €21k | €57k | €151k | €85k | €13k | ▼ 84.3% |
| Transfer to tax-exempt reserves689 | - | - | €176k | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €21k | €57k | €-25k | €85k | €13k | ▼ 84.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.07M | €1.02M | €1.14M | €1.52M | €2.32M | ▲ 53.0% |
| Fixed assets21/28 | €959k | €890k | €1.03M | €1.22M | €2.02M | ▲ 65.8% |
| Tangible fixed assets22/27 | €959k | €890k | €1.03M | €1.22M | €2.02M | ▲ 65.8% |
| Land and buildings22 | €881k | €818k | €966k | €1.16M | €1.98M | ▲ 69.8% |
| Plant, machinery and equipment23 | €63k | €50k | €52k | €45k | €37k | ▼ 17.0% |
| Furniture and vehicles24 | €16k | €21k | €16k | €8k | €4k | ▼ 56.8% |
| Current assets29/58 | €114k | €135k | €110k | €302k | €306k | ▲ 1.5% |
| Amounts receivable after more than one year29 | - | - | - | €160k | €160k | = |
| Trade receivables290 | - | - | - | €160k | €0 | ▼ 100% |
| Other amounts receivable291 | - | - | - | - | €160k | - |
| Stocks and contracts in progress3 | €9k | €4k | €4k | €2k | €54k | ▲ 2,581% |
| Stocks30/36 | €9k | €4k | €4k | €2k | €54k | ▲ 2,581% |
| Amounts receivable within one year40/41 | €27k | €74k | €88k | €64k | €76k | ▲ 19.3% |
| Trade receivables40 | €13k | €51k | €37k | €26k | €58k | ▲ 127% |
| Other amounts receivable41 | €14k | €22k | €51k | €38k | €17k | ▼ 53.8% |
| Cash at bank and in hand54/58 | €37k | €47k | €8k | €24k | €3k | ▼ 85.8% |
| Deferred charges and accrued income490/1 | €40k | €10k | €10k | €52k | €13k | ▼ 74.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.07M | €1.02M | €1.14M | €1.52M | €2.32M | ▲ 53.0% |
| Equity10/15 | €215k | €272k | €423k | €508k | €522k | ▲ 2.6% |
| Contributions10/11 | €198k | €198k | €198k | €198k | €198k | = |
| Capital10 | €198k | €198k | €198k | €198k | €198k | = |
| Issued capital100 | €198k | €198k | €198k | €198k | €198k | = |
| Reserves13 | €53k | €54k | €230k | €234k | €322k | ▲ 37.4% |
| Non-distributable reserves130/1 | €248 | €1k | €1k | €6k | €6k | ▲ 12.1% |
| Legal reserve130 | €248 | €1k | €1k | €6k | €6k | ▲ 12.1% |
| Tax-exempt reserves132 | €4k | €4k | €180k | €180k | €180k | = |
| Distributable reserves133 | €49k | €49k | €49k | €49k | €136k | ▲ 178% |
| Profit (loss) carried forward14 | €-36k | €20k | €-5k | €76k | €1k | ▼ 98.1% |
| Provisions and deferred taxes16 | - | - | €59k | €59k | €59k | = |
| Deferred taxes168 | - | - | €59k | €59k | €59k | = |
| Amounts payable17/49 | €858k | €753k | €662k | €951k | €1.74M | ▲ 83.2% |
| Amounts payable after more than one year17 | €551k | €475k | €411k | €694k | €589k | ▼ 15.1% |
| Financial debts170/4 | €551k | €475k | €411k | €694k | €589k | ▼ 15.1% |
| Amounts payable within one year42/48 | €306k | €270k | €244k | €250k | €1.15M | ▲ 362% |
| Current portion of amounts payable after more than one year42 | €81k | €77k | €73k | €75k | €80k | ▲ 6.4% |
| Financial debts43 | - | - | - | - | €771k | - |
| Credit institutions430/8 | - | - | - | - | €771k | - |
| Trade debts44 | €13k | €6k | €393 | €6k | €1k | ▼ 81.2% |
| Suppliers440/4 | €13k | €6k | €393 | €6k | €1k | ▼ 81.2% |
| Advances received on contracts in progress46 | €8k | €9k | €9k | €9k | €9k | = |
| Taxes, remuneration and social security45 | €10k | €14k | €7k | €10k | €10k | ▲ 5.8% |
| Taxes450/3 | €3k | €12k | €7k | €10k | €10k | ▲ 5.8% |
| Remuneration and social security454/9 | €7k | €1k | - | - | - | - |
| Other amounts payable47/48 | €194k | €164k | €155k | €150k | €283k | ▲ 88.1% |
| Accrued charges and deferred income492/3 | €830 | €8k | €8k | €7k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €57k | €151k | €85k | €13k | ▼ 84.3% |
| + Depreciation and write-downs630 | €80k | €84k | €64k | €65k | €58k | ▼ 11.2% |
| Operating cash flow (approximation) | €101k | €142k | €215k | €151k | €72k | ▼ 52.5% |
| Investment in fixed assets (approximation) | - | €-15k | €-209k | €-248k | €-858k | ▼ 247% |
| Change in cash | - | €10k | €-39k | €16k | €-21k | ▼ 232% |
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
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 1.21
Current ratio from 0.45 to 1.21.
31-12
Financial
Equity above €500kEq €508k ▲20.1%
4 profitable years in a row build equity to €508k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €151k ▲163%
Operating result €234k, net result €151k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Equity above €200kEq €215k ▲11%
Equity rises from €193k to €215k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
Show earlier events
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
31-12
Financial
Equity above €200kEq €207k ▲9.9%
2 profitable years in a row build equity to €207k.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 49 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Maasmechelen · 2 establishment units since 1987
Ground area
7,865 m²
Building footprint
1,781 m²
Volume, LiDAR
11,232 m³
2 parcels, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CARWASH SPEEDY
since 19872.029.893.462
SoftwashExpress
since 20142.252.856.573
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73008A1220/00B000 | Flanders | 6,560 m² | 1 · 1,248 m² | 8.6 m · 3 fl. |
| 73048C0139/00D002 | Flanders | 1,305 m² | 1 · 534 m² | 11.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
1 endedAdministratief medewerker (so)
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Of 3,206 companies in sector 95316 we hold annual accounts for 751. 344 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded11-09-1987
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
Scores and ratios are computed by Checked and are not a credit decision.