TOS
ActiveTOS has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €8k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 445 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-18
Solvency84▼-3
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 10.96 against 12.3 in 2024; short-term debt: 9.1% and cash: 46.3% of total assets), and 40.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 79
Relative position
BE, all sectors
reference
Sector 79
higher
← fewer bankruptcies
more bankruptcies →
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
59.3%
Return on assets
3.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
17 d early
2023
33 d early
2022
11 d early
2021
40 d early
2020
16 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 6.6%
2024 · €118k
2019: €123k
2020: €53k
2021: €63k
2022: €80k
2023: €97k
2024: €118k
2019 → 2025
Total assets
€213k▲ 10.8%
2024 · €192k
2019: €176k
2020: €175k
2021: €173k
2022: €123k
2023: €213k
2024: €192k
2019 → 2025
Net result
€8k▼ 63.5%
2024 · €21k
2019: €-23k
2020: €-70k
2021: €10k
2022: €17k
2023: €17k
2024: €21k
2019 → 2025
Working capital
€193k▲ 9.7%
2024 · €176k
2019: €155k
2020: €167k
2021: €160k
2022: €112k
2023: €177k
2024: €176k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€80k▲ 27.8%€97k▲ 21.5%€118k▲ 21.9%€126k▲ 6.6%
Operating result€10k-€17k▲ 79.3%€17k▲ 1.2%€21k▲ 21.6%€8k▼ 63.6%
Net result€10k-€17k▲ 79.1%€17k▼ 1.2%€21k▲ 23.7%€8k▼ 63.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€521=
Current assets
€212k▲ 10.9%
Equity and liabilities €213k
Equity
€126k▲ 6.6%
Debt
€87k▲ 17.8%
The debt ratio rises from 38.3% to 40.7%. Equity and debt are higher.
Key figures and ratios
Solvency
59.3%▼
2024 · 61.7%
Current ratio
10.96▼
2024 · 12.30
Quick ratio
10.96▼
2024 · 12.30
Debt / equity
0.69▲
2024 · 0.62
ROE
6.1%▼
2024 · 18.0%
ROA
3.6%▼
2024 · 11.1%
Debt
€87k▲
2024 · €73k
Debt ≤ 1 year
€19k▲
2024 · €16k
Income taxes
€65▲
2024 · €61
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€192k€213k▲
Fixed assets21/28€521€521=
Financial fixed assets28€521€521=
Current assets29/58€191k€212k▲
Amounts receivable within one year40/41€58k€84k▲
Trade receivables40€20k€43k▲
Other amounts receivable41€39k€41k▲
Cash at bank and in hand54/58€115k€98k▼
Deferred charges and accrued income490/1€18k€30k▲
Equity and liabilities
Total equity and liabilities10/49€192k€213k▲
Equity10/15€118k€126k▲
Contributions10/11€33k€33k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€82k€89k▲
Amounts payable17/49€73k€87k▲
Amounts payable within one year42/48€16k€19k▲
Trade debts44€11k€16k▲
Suppliers440/4€11k€16k▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€500€500=
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3€58k€67k▲
Income statement
Code20242025
Other operating charges640/8€791€499▼
Gross operating margin9900€22k€8k▼
Operating profit (loss)9901€21k€8k▼
Financial income75/76B€249€392▲
Recurring financial income75€249€392▲
Financial charges65/66B€197€322▲
Recurring financial charges65€197€322▲
Profit (loss) for the period before taxes9903€21k€8k▼
Income taxes67/77€61€65▲
Profit (loss) for the period9904€21k€8k▼
Profit (loss) for the period to be appropriated9905€21k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€89k▲
Profit (loss) brought forward from the previous period14P€60k€82k▲
The notes to these accounts (5 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €21k ▲23.7%
Operating result €21k, net result €21k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 12.30
Current ratio from 5.97 to 12.30; short-term debt falls from €36k to €16k.
30-06
Financial
Equity above €100kEq €118k ▲21.9%
4 profitable years in a row build equity to €118k.
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-70k
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lier · 1 establishment unit since 1995
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.
Ogezlaan 252500 LierGround area
152 m²
Building footprint
96 m²
Volume, LiDAR
668 m³
Parcel 12393F0286/00G009, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOS BVBA
since 19952.070.051.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0286/00G009 | Flanders | 152 m² | 1 · 96 m² | 10.3 m · 2 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 · 1 entry · 427 EUR awarded · 427 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 427 EUR | 427 EUR |
Schemes
Vlaams Beschermingsmechanisme 11 (stopgezet)
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Of 1,439 companies in sector 79110 we hold annual accounts for 880. 751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-1994
Fiscal year end30-06
Activities, NACEBEL
79110Travel agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.