TSP 365
ActiveTSP 365 has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €5k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 43% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+50
Solvency77▲+11
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.38 in 2024; short-term debt: 47.8% and cash: 10.7% of total assets), and 47.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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 02-01-2026, 29 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
29 d early
2024
3 d early
2023
7 d early
2022
29 d early
2021
32 d early
2020
26 d early
2019
23 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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 14.3%
2024 · €37k
2019: €63k
2020: €74k
2021: €105k
2022: €65k
2023: €90k
2024: €37k
2019 → 2025
Total assets
€81k▼ 10.5%
2024 · €91k
2019: €77k
2020: €87k
2021: €109k
2022: €68k
2023: €101k
2024: €91k
2019 → 2025
Net result
€5k
2024 · €-7k
2019: €25k
2020: €15k
2021: €31k
2022: €10k
2023: €25k
2024: €-7k
2019 → 2025
Working capital
€31k▲ 53.2%
2024 · €20k
2019: €57k
2020: €68k
2021: €97k
2022: €50k
2023: €74k
2024: €20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€65k▼ 37.9%€90k▲ 39.0%€37k▼ 58.9%€42k▲ 14.3%
Operating result€44k-€12k▼ 72.0%€36k▲ 193%€-4k€10k
Net result€31k-€10k▼ 66.2%€25k▲ 144%€-7k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€11k▼ 32.6%
Current assets
€70k▼ 5.5%
Equity and liabilities €81k
Equity
€42k▲ 14.3%
Debt
€39k▼ 27.7%
The debt ratio falls from 59.1% to 47.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €1k
Cash flow
€11k▲
2024 · €-1k
Solvency
52.2%▲
2024 · 40.9%
Current ratio
1.80▲
2024 · 1.38
Quick ratio
1.80▲
2024 · 1.38
Debt / equity
0.91▼
2024 · 1.45
ROE
12.5%▲
2024 · -17.9%
ROA
6.6%▲
2024 · -7.3%
Interest coverage
77.19▲
2024 · 2.09
Debt
€39k▼
2024 · €54k
Debt ≤ 1 year
€39k▼
2024 · €54k
Income taxes
€4k▲
2024 · €2k
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€91k€81k▼
Fixed assets21/28€17k€11k▼
Tangible fixed assets22/27€17k€11k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€11k€8k▼
Current assets29/58€74k€70k▼
Amounts receivable within one year40/41€28k€28k▼
Trade receivables40€19k€19k▲
Other amounts receivable41€10k€9k▼
Current investments50/53€30k€33k▲
Cash at bank and in hand54/58€16k€9k▼
Deferred charges and accrued income490/1-€518
Equity and liabilities
Total equity and liabilities10/49€91k€81k▼
Equity10/15€37k€42k▲
Contributions10/11€19k€19k=
Reserves13€19k€24k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132€0-
Distributable reserves133€17k€24k▲
Profit (loss) carried forward14€-332€0▲
Amounts payable17/49€54k€39k▼
Amounts payable within one year42/48€54k€39k▼
Financial debts43€81€96▲
Credit institutions430/8€81€96▲
Trade debts44€3k€76▼
Suppliers440/4€3k€76▼
Taxes, remuneration and social security45€11k€4k▼
Taxes450/3€11k€4k▼
Other amounts payable47/48€40k€34k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€927€621▼
Gross operating margin9900€2k€16k▲
Operating profit (loss)9901€-4k€10k▲
Financial income75/76B€174€21▼
Recurring financial income75€174€21▼
Financial charges65/66B€614€195▼
Recurring financial charges65€614€195▼
Profit (loss) for the period before taxes9903€-4k€9k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€-7k€5k▲
Profit (loss) for the period to be appropriated9905€-7k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€5k▲
Profit (loss) brought forward from the previous period14P-€-332
Transfer from equity791/2€53k€0▼
Transfer to equity691/2€0€5k▲
To other reserves6921€0€5k▲
Profit to be distributed694/7€47k€0▼
Return on contributions (dividend)694€47k€0▼
The notes to these accounts (7 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
02-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-7k ▼126%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €31k ▲106%
Operating result €44k, net result €31k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 23.24
Current ratio from 6.16 to 23.24; short-term debt falls from €13k to €4k.
30-06
Financial
Equity above €100kEq €105k ▲41.4%
3 profitable years in a row build equity to €105k.
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Diepenbeek · 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.
Zavelstraat 213590 DiepenbeekGround area
2,127 m²
Building footprint
146 m²
Volume, LiDAR
966 m³
Parcel 71403E0006/00C000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOM SPEIJER
since 20172.265.695.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71403E0006/00C000 | Flanders | 2,127 m² | 1 · 146 m² | 9.7 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.
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 15,081 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2017
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.