TOS Consulting
ActiveTOS Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €39k. Equity is growing by ~81.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 3451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+67
Solvency59▲+12
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.21 in 2024; short-term debt: 65.7% and cash: 11.4% of total assets), and 65.7% 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.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
34.3%
Return on assets
22%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 d early
2024
31 d late
2023
92 d late
2022
88 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 179%
2024 · €22k
2022: €5k
2023: €24k
2024: €22k
2022 → 2025
Total assets
€177k▲ 78.6%
2024 · €99k
2022: €38k
2023: €86k
2024: €99k
2022 → 2025
Net result
€39k
2024 · €-2k
2022: €1k
2023: €18k
2024: €-2k
2022 → 2025
Working capital
€46k▲ 192%
2024 · €16k
2022: €3k
2023: €16k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€24k▲ 346%€22k▼ 8.6%€61k▲ 179%
Operating result€4k-€34k▲ 684%€4k▼ 88.3%€63k▲ 1,499%
Net result€1k-€18k▲ 1,276%€-2k€39k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,499% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€14k▲ 145%
Current assets
€163k▲ 74.4%
Equity and liabilities €177k
Equity
€61k▲ 179%
Debt
€116k▲ 50.2%
The debt ratio falls from 78.0% to 65.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€69k▲
2024 · €6k
Cash flow
€45k▲
2024 · €-193
Solvency
34.3%▲
2024 · 22.0%
Current ratio
1.40▲
2024 · 1.21
Quick ratio
1.40▲
2024 · 1.21
Debt / equity
1.91▼
2024 · 3.55
ROE
64.2%▲
2024 · -9.4%
ROA
22.0%▲
2024 · -2.1%
Interest coverage
12.54▲
2024 · 1.52
Debt
€116k▲
2024 · €77k
Debt ≤ 1 year
€116k▲
2024 · €77k
Income taxes
€22k▲
2024 · €4k
Staff costs
€391k▲
2024 · €237k
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€99k€177k▲
Fixed assets21/28€6k€14k▲
Tangible fixed assets22/27€5k€14k▲
Plant, machinery and equipment23€1k€924▼
Furniture and vehicles24€4k€13k▲
Other tangible fixed assets26€432€271▼
Financial fixed assets28€363€0▼
Current assets29/58€93k€163k▲
Amounts receivable within one year40/41€79k€124k▲
Trade receivables40€44k€56k▲
Other amounts receivable41€35k€68k▲
Cash at bank and in hand54/58€9k€20k▲
Deferred charges and accrued income490/1€6k€18k▲
Equity and liabilities
Total equity and liabilities10/49€99k€177k▲
Equity10/15€22k€61k▲
Contributions10/11€4k€4k=
Reserves13€18k€57k▲
Distributable reserves133€18k€57k▲
Profit (loss) carried forward14€-698€0▲
Amounts payable17/49€77k€116k▲
Amounts payable within one year42/48€77k€116k▲
Current portion of amounts payable after more than one year42-€14k
Financial debts43€10k€516▼
Credit institutions430/8€10k€516▼
Trade debts44€19k€31k▲
Suppliers440/4€19k€31k▲
Taxes, remuneration and social security45€49k€71k▲
Taxes450/3€22k€26k▲
Remuneration and social security454/9€27k€45k▲
Income statement
Code20242025
Remuneration, social security and pensions62€237k€391k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€247k€462k▲
Operating profit (loss)9901€4k€63k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€2k€61k▲
Income taxes67/77€4k€22k▲
Profit (loss) for the period9904€-2k€39k▲
Profit (loss) for the period to be appropriated9905€-2k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€38k▲
Profit (loss) brought forward from the previous period14P-€-698
Transfer from equity791/2€1k€0▼
Transfer to equity691/2€0€38k▲
To other reserves6921€0€38k▲
The notes to these accounts (14 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beveren-Kruibeke-Zwijndrecht · 4 establishment units 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.
Gentseweg(BEV) 4329120 Beveren-Kruibeke-ZwijndrechtGround area
8,048 m²
Building footprint
3,700 m²
Volume, LiDAR
27,623 m³
4 parcels, Flanders · tallest building 37.5 m, ±6 floors. Linked by address, not a title deed.
4 establishment units
TOS Consulting
since 20222.328.389.681
Martelaarslaan 307, 9000 Gent
since 20242.368.148.102
Meir 47, 2000 Antwerpen
since 20252.368.149.882
TOS Consulting
since 20262.386.326.197
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46502D0252/00T009 | Flanders | 4,485 m² | 1 · 2,661 m² | 11.5 m · 2 fl. |
| 46503C1209/00G000 | Flanders | 1,431 m² | 1 · 275 m² | 12.8 m · 2 fl. |
| 44816K0953/00D002 | Flanders | 1,168 m² | - | - |
| 11803C2487/00A000 | Flanders | 964 m² | 1 · 763 m² | 37.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 1,237 companies in sector 74140 we hold annual accounts for 352. 290 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2022
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
74105Other professional, scientific and technical activities
74140Other specialised design activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.