Touvelo
ActiveTouvelo has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.71M and a net result of €332k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-2
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 3.58 against 2.63 in 2024; short-term debt: 22.5% and cash: 51.7% of total assets), and 23.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
76.7%
Return on assets
14.9%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 17-12-2025, 45 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
45 d early
2024
46 d early
2023
40 d early
2022
22 d early
2021
17 d late
2020
23 d late
2019
2 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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.71M▲ 24.0%
2024 · €1.38M
2019: €286k
2020: €596k
2021: €915k
2022: €1.23M
2023: €1.40M
2024: €1.38M
2019 → 2025
Total assets
€2.23M▲ 15.0%
2024 · €1.94M
2019: €494k
2020: €1.03M
2021: €1.25M
2022: €1.46M
2023: €1.73M
2024: €1.94M
2019 → 2025
Net result
€332k▲ 5.6%
2024 · €314k
2019: €133k
2020: €310k
2021: €319k
2022: €317k
2023: €239k
2024: €314k
2019 → 2025
Working capital
€1.30M▲ 42.9%
2024 · €908k
2019: €319k
2020: €602k
2021: €924k
2022: €853k
2023: €957k
2024: €908k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€915k-€1.23M▲ 34.6%€1.40M▲ 13.6%€1.38M▼ 1.3%€1.71M▲ 24.0%
Operating result€470k-€400k▼ 15.1%€330k▼ 17.3%€451k▲ 36.4%€480k▲ 6.5%
Net result€319k-€317k▼ 0.8%€239k▼ 24.5%€314k▲ 31.4%€332k▲ 5.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.23M
Fixed assets
€432k▼ 9.3%
Current assets
€1.80M▲ 22.9%
Equity and liabilities €2.23M
Equity
€1.71M▲ 24.0%
Debt
€520k▼ 7.3%
The debt ratio falls from 28.9% to 23.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€524k▲
2024 · €495k
Cash flow
€376k▲
2024 · €359k
Solvency
76.7%▲
2024 · 71.1%
Current ratio
3.58▲
2024 · 2.63
Quick ratio
2.94▲
2024 · 1.96
Debt / equity
0.30▼
2024 · 0.41
ROE
19.4%▼
2024 · 22.8%
ROA
14.9%▼
2024 · 16.2%
Interest coverage
24.99▼
2024 · 97.99
Debt
€520k▼
2024 · €561k
Debt ≤ 1 year
€503k▼
2024 · €558k
Income taxes
€149k▲
2024 · €145k
Staff costs
€56k▼
2024 · €73k
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€1.94M€2.23M▲
Fixed assets21/28€476k€432k▼
Intangible fixed assets21€7k€4k▼
Tangible fixed assets22/27€465k€423k▼
Land and buildings22€428k€396k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€13k€7k▼
Other tangible fixed assets26€16k€14k▼
Financial fixed assets28€4k€4k=
Current assets29/58€1.47M€1.80M▲
Stocks and contracts in progress3€371k€320k▼
Stocks30/36€371k€320k▼
Amounts receivable within one year40/41€56k€101k▲
Trade receivables40€56k€101k▲
Other amounts receivable41€0-
Current investments50/53€152k€225k▲
Cash at bank and in hand54/58€885k€1.15M▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.94M€2.23M▲
Equity10/15€1.38M€1.71M▲
Contributions10/11€78k€78k=
Reserves13€1.30M€1.63M▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€1.30M€1.63M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€561k€520k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€558k€503k▼
Trade debts44€44k€48k▲
Suppliers440/4€44k€48k▲
Taxes, remuneration and social security45€101k€89k▼
Taxes450/3€85k€78k▼
Remuneration and social security454/9€15k€12k▼
Other amounts payable47/48€413k€366k▼
Accrued charges and deferred income492/3€4k€17k▲
Income statement
Code20242025
Remuneration, social security and pensions62€73k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€44k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-2k
Other operating charges640/8€3k€4k▲
Gross operating margin9900€571k€583k▲
Operating profit (loss)9901€451k€480k▲
Financial income75/76B€13k€22k▲
Recurring financial income75€13k€22k▲
Financial charges65/66B€5k€21k▲
Recurring financial charges65€5k€21k▲
Profit (loss) for the period before taxes9903€459k€481k▲
Income taxes67/77€145k€149k▲
Profit (loss) for the period9904€314k€332k▲
Profit (loss) for the period to be appropriated9905€314k€332k▲
Appropriation of the result
Profit (loss) to be appropriated9906€314k€332k▲
Transfer from equity791/2€333k€0▼
Transfer to equity691/2€314k€332k▲
To other reserves6921€314k€332k▲
Profit to be distributed694/7€333k€0▼
Return on contributions (dividend)694€333k€0▼
Social balance
Average headcount (FTE)90871.81.3▼
The notes to these accounts (12 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
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2019net €332k ▲5.6%
Operating result €480k, net result €332k, both a record.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Equity above €1MEq €1.23M ▲34.6%
4 profitable years in a row build equity to €1.23M.
17-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
30-06
Financial
Equity above €500kEq €596k ▲109%
2 profitable years in a row build equity to €596k.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Evergem · 1 establishment unit since 2017
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.
Belzele Dorp 29940 EvergemGround area
1,501 m²
Building footprint
849 m²
Volume, LiDAR
9,121 m³
Parcel 44302E1106/00K000, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Touvelo
since 20172.263.364.940
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302E1106/00K000 | Flanders | 1,501 m² | 1 · 849 m² | 15.0 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEvergem2.263.364.940
Legal Entity Identifier
875500Z5YRQ3GLSFCS72
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Of 207 companies in sector 46495 we hold annual accounts for 108. 66 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2017
Fiscal year end30-06
Activities, NACEBEL
46495Wholesale trade
47632Retail sale of bicycles
47785Retail trade
46389Wholesale of other food products
47279Other retail sale of food
47639Retail sale of other sporting goods
77210Renting and leasing of sports and recreation goods
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.