Topia Cleaning
ActiveThe computed 12-month bankruptcy probability of Topia Cleaning is 2.9% (moderate). The annual accounts of Topia Cleaning for fiscal year 2025 show a net loss of 80% of the equity at the start of that year. The 2025 annual accounts show equity of €6k and a net result of €-22k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 15% of 4422 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency30▼-28
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.99 against 1.35 in 2024; short-term debt: 94.9% and cash: 38.4% of total assets), and 95.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 81
Relative position
BE, all sectors
reference
Sector 81
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 2025Solvency, return and age of the figures
Solvency
4.6%
Return on assets
-18.2%
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 15% of 4422 sector peers (2025).
NBB · sector comparisonPosition among 4422 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
5 d late
2024
113 d early
2023
99 d early
2022
144 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 79.8%
2024 · €27k
2022: €4k
2023: €5k
2024: €27k
2022 → 2025
Total assets
€120k▲ 43.3%
2024 · €84k
2022: €14k
2023: €32k
2024: €84k
2022 → 2025
Net result
€-22k
2024 · €26k
2022: €-1k
2023: €1k
2024: €26k
2022 → 2025
Working capital
€-835
2024 · €19k
2022: €4k
2023: €2k
2024: €19k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€5k▲ 35.8%€27k▲ 428%€6k▼ 79.8%
Operating result€-996-€2k€34k▲ 1,269%€-18k
Net result€-1k-€1k€26k▲ 1,780%€-22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €34k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€7k▼ 30.4%
Current assets
€113k▲ 53.3%
Equity and liabilities €120k
Equity
€6k▼ 79.8%
Debt
€115k▲ 103%
The debt ratio rises from 67.3% to 95.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-14k▼
2024 · €36k
Cash flow
€-18k▼
2024 · €29k
Solvency
4.6%▼
2024 · 32.7%
Current ratio
0.99▼
2024 · 1.35
Quick ratio
0.99▼
2024 · 1.35
Debt / equity
20.72▲
2024 · 2.06
ROE
-395.5%▼
2024 · 94.0%
ROA
-18.2%▼
2024 · 30.7%
Interest coverage
-27.06▼
2024 · 130.68
Debt
€115k▲
2024 · €57k
Debt ≤ 1 year
€114k▲
2024 · €55k
Debt > 1 year
€634▼
2024 · €2k
Income taxes
€4k▼
2024 · €8k
Staff costs
€476k▲
2024 · €326k
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€84k€120k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€7k€4k▼
Plant, machinery and equipment23€1k€794▼
Furniture and vehicles24€6k€3k▼
Financial fixed assets28€3k€3k=
Current assets29/58€74k€113k▲
Amounts receivable within one year40/41€22k€51k▲
Trade receivables40€19k€49k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€48k€46k▼
Deferred charges and accrued income490/1€4k€16k▲
Equity and liabilities
Total equity and liabilities10/49€84k€120k▲
Equity10/15€27k€6k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€22k€546▼
Amounts payable17/49€57k€115k▲
Amounts payable after more than one year17€2k€634▼
Financial debts170/4€2k€634▼
Amounts payable within one year42/48€55k€114k▲
Current portion of amounts payable after more than one year42€1k€1k▲
Trade debts44€84€33k▲
Suppliers440/4€84€33k▲
Taxes, remuneration and social security45€53k€67k▲
Taxes450/3€8k€8k▲
Remuneration and social security454/9€45k€59k▲
Other amounts payable47/48€859€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€326k€476k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€0▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€365k€464k▲
Operating profit (loss)9901€34k€-18k▼
Financial income75/76B€121€139▲
Recurring financial income75€121€139▲
Financial charges65/66B€279€520▲
Recurring financial charges65€279€520▲
Profit (loss) for the period before taxes9903€34k€-18k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€26k€-22k▼
Profit (loss) for the period to be appropriated9905€26k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€546▼
Profit (loss) brought forward from the previous period14P€-2k€22k▲
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
The notes to these accounts (9 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €-22k ▼185%
Net result drops to €-22k, the lowest in the series.
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €26k ▲1780%
Operating result €34k, net result €26k, both a record.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Gent · 1 establishment unit since 2022
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.
Martelaarslaan 1789000 GentGround area
50 m²
Building footprint
50 m²
Volume, LiDAR
482 m³
Parcel 44806F0622/00F024, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Topia Cleaning
since 20222.331.584.644
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44806F0622/00F024 | Flanders | 50 m² | 1 · 50 m² | 12.1 m · 3 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
2022 to 2025 · 7 entries · 745,557 EUR awarded · 744,457 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 339,296 EUR | 338,535 EUR |
| 2024 | 2 | 278,649 EUR | 278,310 EUR |
| 2023 | 1 | 116,965 EUR | 116,965 EUR |
| 2022 | 1 | 10,647 EUR | 10,647 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Recognitions: source did not answer, try again later.
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,731. 1,412 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2022
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.