TW-HOME
ActiveTW-HOME has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €162k and a net result of €-53k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 8073 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
17
/ 100
Critical▼ -23 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency47▼-28
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.98 against 1.38 in 2023), and 69.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
30.5%
Return on assets
-10.1%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€53k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-05-2025, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
65 d early
2023
30 d late
2022
47 d early
2021
25 d early
2020
31 d late
2019
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€162k▼ 24.8%
2023 · €215k
2018: €117k
2019: €143k
2020: €176k
2021: €236k
2022: €284k
2023: €215k
2018 → 2024
Total assets
€530k▲ 8.1%
2023 · €490k
2018: €910k
2019: €787k
2020: €538k
2021: €721k
2022: €622k
2023: €490k
2018 → 2024
Net result
€-53k▼ 187%
2023 · €-19k
2018: €-80k
2019: €26k
2020: €33k
2021: €60k
2022: €49k
2023: €-19k
2018 → 2024
Working capital
€-8k
2023 · €91k
2018: €-102k
2019: €-98k
2020: €-85k
2021: €-67k
2022: €-41k
2023: €91k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€176k-€236k▲ 34.2%€284k▲ 20.6%€215k▼ 24.3%€162k▼ 24.8%
Operating result€63k-€89k▲ 41.6%€69k▼ 22.9%€-8k€-36k▼ 335%
Net result€33k-€60k▲ 83.4%€49k▼ 19.3%€-19k€-53k▼ 187%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36k in 2024 against €8k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €530k
Fixed assets
€181k▲ 15.2%
Current assets
€349k▲ 4.8%
Equity and liabilities €530k
Equity
€162k▼ 24.8%
Debt
€368k▲ 34.0%
The debt ratio rises from 56.1% to 69.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▼
2023 · €24k
Cash flow
€-16k▼
2023 · €13k
Solvency
30.5%▼
2023 · 43.9%
Current ratio
0.98▼
2023 · 1.38
Quick ratio
0.98▼
2023 · 1.38
Debt / equity
2.28▲
2023 · 1.28
ROE
-33.0%▼
2023 · -8.6%
ROA
-10.1%▼
2023 · -3.8%
Interest coverage
0.05▼
2023 · 0.94
Debt
€368k▲
2023 · €275k
Debt ≤ 1 year
€357k▲
2023 · €242k
Debt > 1 year
€10k▼
2023 · €33k
Income taxes
€257▼
2023 · €268
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€490k€530k▲
Fixed assets21/28€157k€181k▲
Tangible fixed assets22/27€157k€181k▲
Land and buildings22€117k€155k▲
Plant, machinery and equipment23€868€2k▲
Leasing and similar rights25€39k€24k▼
Current assets29/58€333k€349k▲
Amounts receivable within one year40/41€13k€266k▲
Trade receivables40€9k€265k▲
Other amounts receivable41€4k€847▼
Current investments50/53€70k€42k▼
Cash at bank and in hand54/58€249k€38k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€490k€530k▲
Equity10/15€215k€162k▼
Contributions10/11€12k€12k=
Reserves13€203k€167k▼
Distributable reserves133€203k€167k▼
Profit (loss) carried forward14-€-18k
Amounts payable17/49€275k€368k▲
Amounts payable after more than one year17€33k€10k▼
Financial debts170/4€33k€10k▼
Amounts payable within one year42/48€242k€357k▲
Current portion of amounts payable after more than one year42€31k€19k▼
Financial debts43€25k€25k=
Credit institutions430/8€25k€25k=
Trade debts44€98k€290k▲
Suppliers440/4€98k€290k▲
Advances received on contracts in progress46€26k€18k▼
Taxes, remuneration and social security45€21k€3k▼
Taxes450/3€21k€3k▼
Other amounts payable47/48€41k€2k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Non-recurring operating income76A€108k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€38k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€29k€7k▼
Operating profit (loss)9901€-8k€-36k▼
Financial income75/76B€15k€16k▲
Recurring financial income75€15k€16k▲
Financial charges65/66B€25k€33k▲
Recurring financial charges65€25k€33k▲
Profit (loss) for the period before taxes9903€-18k€-53k▼
Income taxes67/77€268€257▼
Profit (loss) for the period9904€-19k€-53k▼
Profit (loss) for the period to be appropriated9905€-19k€-53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-53k▼
Transfer from equity791/2€69k€35k▼
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
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
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €60k ▲83.4%
Operating result €89k, net result €60k, both a record.
31-12
Financial
Equity above €200kEq €236k ▲34.2%
3 profitable years in a row build equity to €236k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €150kEq €176k ▲23%
2 profitable years in a row build equity to €176k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
2016
10-06
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Kalmthout · 2 establishment units since 2004
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.
Putsesteenweg (C) 92920 KalmthoutGround area
3,834 m²
Building footprint
841 m²
Volume, LiDAR
6,397 m³
2 parcels, Flanders · tallest building 13.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
TW-Home
since 20042.135.852.502
TW-Home
since 20142.233.627.710
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0713/00F000 | Flanders | 2,916 m² | 1 · 136 m² | 9.2 m · 2 fl. |
| 11022F0007/00D024 | Flanders | 918 m² | 1 · 705 m² | 13.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
PEOPLE@PEOPLE
BE 0832.138.947
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SBD Consultancy
BE 0887.039.759
Schilde · Eq €162k
EArcha
BE 0631.806.233
Gent · Eq €162k
DT SERVICES AND CONSULTING
BE 0738.801.092
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Vanderyse Consulting
BE 0508.774.106
Wingene · Eq €162k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 40,591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
46480Wholesale trade
46494Wholesale of non-electrical household articles
51471
51474
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.