TWENTY & MORE
ActiveTWENTY & MORE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €34k. Equity is growing by ~71.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency49▼-27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.68 against 2.39 in 2024; short-term debt: 37.6% and cash: 3.9% of total assets), and 76% 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
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 →
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 · 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
24%
Return on assets
3.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
15 d early
2022
48 d early
2021
61 d late
2020
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€210k▼ 3.5%
2024 · €218k
2020: €-865
2021: €-3k
2022: €38k
2023: €112k
2024: €218k
2020 → 2025
Total assets
€879k▲ 106%
2024 · €426k
2020: €51k
2021: €51k
2022: €106k
2023: €231k
2024: €426k
2020 → 2025
Net result
€34k▼ 68.3%
2024 · €106k
2020: €-3k
2021: €-3k
2022: €41k
2023: €74k
2024: €106k
2020 → 2025
Working capital
€-105k
2024 · €147k
2020: €-865
2021: €-3k
2022: €38k
2023: €80k
2024: €147k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€38k€112k▲ 194%€218k▲ 95.3%€210k▼ 3.5%
Operating result€-2k-€55k€104k▲ 88.3%€139k▲ 33.4%€67k▼ 51.5%
Net result€-3k-€41k€74k▲ 78.0%€106k▲ 44.4%€34k▼ 68.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €879k
Fixed assets
€654k▲ 277%
Current assets
€225k▼ 10.9%
Equity and liabilities €879k
Equity
€210k▼ 3.5%
Debt
€668k▲ 222%
The debt ratio rises from 48.8% to 76.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€160k▼
2024 · €169k
Cash flow
€126k▼
2024 · €136k
Solvency
24.0%▼
2024 · 51.2%
Current ratio
0.68▼
2024 · 2.39
Quick ratio
0.68▼
2024 · 2.39
Debt / equity
3.17▲
2024 · 0.95
ROE
16.0%▼
2024 · 48.8%
ROA
3.8%▼
2024 · 25.0%
Interest coverage
11.83▼
2024 · 36.55
Debt
€668k▲
2024 · €208k
Debt ≤ 1 year
€330k▲
2024 · €106k
Debt > 1 year
€337k▲
2024 · €102k
Income taxes
€29k▲
2024 · €28k
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€426k€879k▲
Fixed assets21/28€173k€654k▲
Tangible fixed assets22/27€173k€654k▲
Land and buildings22€168k€647k▲
Plant, machinery and equipment23€5k€7k▲
Current assets29/58€253k€225k▼
Amounts receivable after more than one year29€50k€50k=
Trade receivables290€50k€0▼
Other amounts receivable291-€50k
Amounts receivable within one year40/41€178k€129k▼
Trade receivables40€74k€26k▼
Other amounts receivable41€103k€103k=
Cash at bank and in hand54/58€22k€35k▲
Deferred charges and accrued income490/1€3k€11k▲
Equity and liabilities
Total equity and liabilities10/49€426k€879k▲
Equity10/15€218k€210k▼
Contributions10/11€3k€3k=
Reserves13€216k€208k▼
Distributable reserves133€216k€208k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€208k€668k▲
Amounts payable after more than one year17€102k€337k▲
Financial debts170/4€102k€337k▲
Amounts payable within one year42/48€106k€330k▲
Current portion of amounts payable after more than one year42€26k€53k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€27k€63k▲
Taxes450/3€27k€59k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€51k€213k▲
Accrued charges and deferred income492/3-€895
Income statement
Code20242025
Non-recurring operating income76A€11k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€92k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€172k€161k▼
Operating profit (loss)9901€139k€67k▼
Financial income75/76B-€9k
Recurring financial income75-€9k
Financial charges65/66B€5k€13k▲
Recurring financial charges65€5k€13k▲
Profit (loss) for the period before taxes9903€134k€62k▼
Income taxes67/77€28k€29k▲
Profit (loss) for the period9904€106k€34k▼
Profit (loss) for the period to be appropriated9905€106k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€34k▼
Profit (loss) brought forward from the previous period14P€-6k€0▲
Transfer from equity791/2-€41k
Transfer to equity691/2€101k€34k▼
To other reserves6921€101k€34k▼
Profit to be distributed694/7-€41k
Return on contributions (dividend)694-€41k
Social balance
Average headcount (FTE)9087-0.0
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2020net €106k ▲44.4%
Operating result €139k, net result €106k, both a record.
31-12
Financial
Equity above €200kEq €218k ▲95.3%
3 profitable years in a row build equity to €218k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €112k ▲194%
2 profitable years in a row build equity to €112k.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €41k
Net result €41k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · 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
3 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, Izegem · 1 establishment unit since 2019
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.
Hollebeekstraat 168870 IzegemGround area
5,065 m²
Building footprint
618 m²
Volume, LiDAR
2,839 m³
Parcel 36494D1474/00D000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TWENTY & MORE
since 20192.297.725.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D1474/00D000 | Flanders | 5,065 m² | 1 · 618 m² | 9.8 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.
Similar companies · same sector, comparable size
CHALLENGEWORKS
BE 0811.600.780
Elsene · Eq €210k
MANAG'AIR
BE 0834.946.207
Hoeilaart · Eq €211k
NARRANUM
BE 0799.559.419
Antwerpen · Eq €210k
QUADRANT CONSULTING
BE 0865.420.835
Oostende · Eq €210k
JOTOPIA
BE 0893.033.270
Leuven · Eq €211k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.