Turnover
≈ €98,000 estimated
The micro format states no turnover.
Torquay
Overview
Lifetime
1 annual account with figurespeak €37,880 (2025)
€37,880
peak €29,482 (2025)
€29,482
peak €33,482 (2025)
€33,482
€16,342
Board1 name since 2025
1 directorBONTINCK Greet Lucia Bernadette
Documentsfilings and deeds
20-05-202672 days before the deadline
2025micro format
Incorporation 24-031 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€4,000 4,000 shares
Checked score
96
Excellent
Financially stronger than 77% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 0.6%highest value
05-2026: 0.6%● unchanged vs 04-2026highest value
06-2026: 0.1%▼ -0.5 percentage points vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €49,824
Founded in 2025
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Liquidity: current ratio 2.83, cash €18,828
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 67% of them on solvency, 76% on liquidity and 87% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as Torquay has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Torquay itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for Torquay. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.83, above the usual 1.5. Short-term debt is 32.8% and cash 37.8% of total assets. 32.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 20-05-2026, 72 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
72 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1021278653
Incorporation
Founding capital of €4,000, 4,000 shares · Founder: BONTINCK Greet Lucia Bernadette · Appointment: BONTINCK Greet Lucia Bernadette (director) · published on 24-03-2025 · Gazette deed
First establishment
Nijverheidstraat 61, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Torquay Ghent | €49,824 | €37,880 | 67.2% | - |
| SEDI-services Maarkedal | €50,806 | €34,619 | 58.7% | - |
| DTK MANAGEMENT Lokeren | €46,153 | €35,807 | 58.3% | - |
| X-PLORAR Sint-Martens-Latem | €43,838 | €40,401 | 75.3% | - |
| NDC Management Sint-Martens-Latem | €45,153 | €37,912 | 72.6% | - |
| Ghentbuild Ghent | €42,190 | €40,614 | 72.7% | - |
| OCCHI BLU Deinze | €56,994 | €43,017 | 49.2% | - |
These companies have the same main activity as Torquay: other business support services (NACE 82990). They are comparable in size and age: total assets between €42,200 and €57,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 20-03-2025Normal situation
- Activity
- Other business support servicesNACE 82990
- Establishment unit
- 2.371.915.4629040 Ghent, since 20-03-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 26-09-2025
Annual accounts 2025
- €37,880
- €29,482
- €33,482
- €49,824
- Filing
- Filed on 20-05-2026, 72 days before the end of the filing period
Insights on Torquay
Torquay has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,482 and a net result of €29,482.
Its solvency ranks better than 66% of 9,701 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 20-05-2026, 72 days before the deadline€37,880
€37,406
€29,482
€29,860
67.2%
2.83
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €98,000. Estimated: probably between €61,000 and €130,000.
Balance sheet
balance sheet total €49,824 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
67.2%
Higher than 66% of 9,701 companies in 2025.
2.83
Higher than 64% of 9,319 companies in 2025.
59.2%
Higher than 92% of 9,443 companies in 2025.
Torquay
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
49,824 | |
21/28 |
3,622 | |
22/27 |
3,622 | |
24 |
3,622 | |
29/58 |
46,202 | |
40/41 |
12,070 | |
40 |
12,070 | |
50/53 |
14,205 | |
54/58 |
18,828 | |
490/1 |
1,099 | |
| Balance sheet: equity and liabilities | ||
10/49 |
49,824 | |
10/15 |
33,482 | |
10/11 |
4,000 | |
14 |
29,482 | |
17/49 |
16,342 | |
42/48 |
16,342 | |
43 |
184 | |
430/8 |
184 | |
44 |
34 | |
440/4 |
34 | |
45 |
14,201 | |
450/3 |
14,201 | |
47/48 |
1,922 | |
| Income statement | ||
9900 |
37,880 | |
630 |
474 | |
9901 |
37,406 | |
75/76B |
23 | |
75 |
23 | |
65/66B |
56 | |
65 |
56 | |
9903 |
37,374 | |
67/77 |
7,891 | |
9904 |
29,482 | |
9905 |
29,482 | |
| Appropriation of the result | ||
9906 |
29,482 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 20-05-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 20-05-2026 | 2026-00114908 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 37,880 | ||
| 29,957 | ||
| 4,096 | ||
| 29,860 | ||
| 67.2% | ||
| 2.83 | ||
| 0.49 | ||
| 88.1% | ||
| 59.2% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €4,096 |
| €474 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Torquay
Debt's share of the balance-sheet total is 32.8%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 20-03-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 20-05-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “beslissend met absolute meerderheid van stemmen, of de enige aandeelhouder, het bedrag van deze vaste of evenredige vergoeding. Tot…”deed of 24-03-2025
Mandates through the years
1 name, the dashed line is todayBONTINCK Greet Lucia Bernadette
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BONTINCK Greet Lucia Bernadette
- Director (not named in the articles), from 20-03-2025 to date
Control
Capital
- Contribution
- €4,000
- Shares
- 4,000
- Contribution per share
- €1
- Equity per share
- €8.37 in 2025
- Source
- deed of 24-03-2025
Articles of association
deed of 24-03-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Algemene vergadering, onbezoldigd tot andersluidend besluit”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s) naar evenredigheid aantal aandelen, prijs in oorspronkelijke bekendmaking of bij betwisting door deskundige”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 12:00
Shareholders
At incorporation
deed of 24-03-2025 ↗
- BONTINCK Greet Lucia Bernadette €4,000 in cash
Network & group
No group
Torquay has no parent and no holdings in its annual accounts. BONTINCK Greet Lucia Bernadette is the only director. Torquay shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 72 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1021278653
IncorporationFounding capital of €4,000, 4,000 shares · Founder: BONTINCK Greet Lucia Bernadette · Appointment: BONTINCK Greet Lucia Bernadette (director) · published on 24-03-20257 points ▸
- Registered office clause, Nijverheidstraat 61, 9040 Gent (Sint-Amandsberg)
- Director appointment, BONTINCK Greet Lucia Bernadette (director (not named in the articles))
- Power of attorney, BOOKKEEPERS
- Founding capital, €4,000, 4,000 shares
- Founder, BONTINCK Greet Lucia Bernadette
- Capital contribution, €4,000
- 4,000 shares
- The deed holds 3 more points.
First establishment Nijverheidstraat 61, Ghent
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1021.278.653
- VAT number
- BE 1021.278.653
- Peppol ID
- 0208:1021278653
- Other Peppol ID
- 9925:BE1021278653
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 20-03-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 12:00deed of 24-03-2025 (in Dutch)
- Peppol
- Reachable since 26-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Torquay in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 24-03-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 24-03-2025 (in Dutch)
Activities
NACEBEL 202582990
Other business support services main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Managementactiviteiten: het tussenkomen in het dagelijks bestuur,het vertegenwoordigen van bedrijven,het uitoefenen van…”deed of 24-03-2025 (in Dutch)
22 activities
- Managementactiviteiten: het tussenkomen in het dagelijks bestuur,het vertegenwoordigen van bedrijven,het uitoefenen van managements-,consultancy- en beheersactiviteiten,waaronder begrepen: a) het uitoefenen van managementfuncties in diverse ondernemingen; b) het sluiten van consultancyovereenkomsten; c) het uitoefenen van consultancyfuncties op onafhankelijke wijze.
- Het op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven uit verscheidene economische sectoren;
- Het verwerven en vervreemden van deelnemingen of andere belangen in rechtspersonen,vennootschappen en ondernemingen,het samenwerken daarmee en het besturen daarvan;
- Het uitoefenen van een studie-,organisatie- en raadgevend bureau inzake financiële,handels-,juridische,fiscale en sociale aangelegenheden.
- Het geven van diverse opleidingen die het management van bedrijven aanbelangt in het algemeen;
- Verlenen van advies en praktische hulp aan de bedrijven in verband met marketing,public relations en communicatie;
- Verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning,organisatie,efficiëntie en toezicht,het verschaffen van informatie aan de bedrijfsleiding,enzovoort
- Het verlenen van diensten -zowel consultancy als implementatie- aan derden,op het vlak van bedrijfsbeleid,sales en marketing: a) Professioneel advies aan bedrijven in binnen- en buitenland op strategisch en operationeel vlak; b) Begeleiden van bedrijven in de opmaak van het bedrijfsplan,het marketingplan,het financieel plan en dies meer;
- C) Adviesverlening rond product- en dienstenbeheer,prijsbepaling,keuze van distributiekanalen,logistiek in de meest ruime zin;
- Verwerven en beheren van onroerende goederen of zakelijke rechten daarop,in België of in het buitenland;
- Het huren,verhuren,in erfpacht of gebruik nemen van onroerende en/of roerende goederen;
- Verhuur van niet residentiële gebouwen zoals kantoorgebouwen,handelspanden,tentoonstellingsruimtes en residentiële gebouwen,inclusief onroerende leasing;
- Verhuur en beheer van residentiële gebouwen;
- Verhuur van handelszaken,garageplaatsen,staanplaatsen voor auto’s;
- Organisatie van congressen,seminaries en bedrijfspresentaties voor klanten en voor financiële en commerciële partners;
- De functie van tussenpersoon in de handel en in alle roerende en onroerende verhandelingen;
- De aan- en verkoop,in- en uitvoer,commissiehandel en vertegenwoordiging van om het even welke goederen doen en handelsbemiddeling algemeen assortiment;
- Het doorlichten en organiseren van bedrijfsstructuren,het uitvoeren van markt- en bedrijfsstudies,budgettering,planning en uitvoering van kantooradministratie en -organisatie;
- Vormen en beheren van een roerend patrimonium bestaande uit lichamelijke of onlichamelijke roerende goederen;
- Het voor eigen rekening beheren van allerhande patrimonia in het algemeen,financiële activa en beleggingsgoederen in het bijzonder. Verwerven,beheren,vervreemden,valoriseren en cederen van roerende en onroerende goederen en/of rechten onder gelijk welke vorm ook. De projectontwikkeling en handel in onroerend goed voor woningbouw,nieuwbouw van individuele woningen of voor renovatiewerken,voor de bouw van appartementsgebouwen,voor kantoorbouw,enzoverder;
- Huur en verhuur van roerende en onroerende goederen,aan- en verkoop en beheer van onroerende goederen
- Het verstrekken van raad en advies in de meest ruime zin der maatschappelijke behoeften,uitgezonderd de activiteiten wettelijk voorbehouden aan vennootschappen voor vermogensbeheer en beleggingsadviezen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Nijverheidstraat 61 registered office 9040 Ghent 70200 Business and other management consultancy | 20-03-2025 | 2.371.915.462 |
Buildings and parcels at the address
- Ground area
- 184 m²
- Buildings
- 115 m²
- Volume, LiDAR
- 973 m³
- Tallest building
- 16.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 44432C1184/00B006 | 184 m² | 1 · 115 m² | 16.2 m · 1 |