Twinto
ActiveTwinto has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €51k. Its solvency ranks better than 93% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 13.73 against 6.87 in 2024; short-term debt: 6.1% and cash: 30.6% of total assets), and 6.1% 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
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 82
Relative position
BE, all sectors
reference
Sector 82
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
93.9%
Return on assets
35.8%
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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€169k
EBIT margin
60.4%
Net result
€51k▼ 36.3%
2024 · €80k
2024: €80k
2024 → 2025
Working capital
€110k▲ 82.8%
2024 · €60k
2024: €60k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€169k-
Equity€83k-€134k▲ 61.6%
Operating result€102k-€65k▼ 36.4%
Net result€80k-€51k▼ 36.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€24k▲ 4.8%
Current assets
€119k▲ 68.5%
Equity and liabilities €143k
Equity
€134k▲ 61.6%
Debt
€9k▼ 15.7%
The debt ratio falls from 11.0% to 6.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2024 · €104k
Cash flow
€57k▼
2024 · €83k
Solvency
93.9%▲
2024 · 89.0%
Current ratio
13.73▲
2024 · 6.87
Quick ratio
13.73▲
2024 · 6.87
Debt / equity
0.06▼
2024 · 0.12
ROE
38.1%▼
2024 · 96.6%
ROA
35.8%▼
2024 · 86.0%
Interest coverage
1749.65▼
2024 · 1841.06
Debt
€9k▼
2024 · €10k
Debt ≤ 1 year
€9k▼
2024 · €10k
Income taxes
€14k▼
2024 · €22k
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€93k€143k▲
Fixed assets21/28€23k€24k▲
Tangible fixed assets22/27€23k€24k▲
Land and buildings22-€3k
Furniture and vehicles24€23k€21k▼
Current assets29/58€71k€119k▲
Amounts receivable within one year40/41€0€26k▲
Trade receivables40€0€20k▲
Other amounts receivable41€0€6k▲
Current investments50/53€35k€47k▲
Cash at bank and in hand54/58€34k€44k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€93k€143k▲
Equity10/15€83k€134k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€80k€131k▲
Amounts payable17/49€10k€9k▼
Amounts payable within one year42/48€10k€9k▼
Trade debts44€473€745▲
Suppliers440/4€473€745▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€1k€2k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Turnover70€169k-
Goods, raw materials, services and sundry goods60/61€64k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€651€211▼
Gross operating margin9900€105k€71k▼
Operating profit (loss)9901€102k€65k▼
Financial income75/76B-€398
Recurring financial income75-€398
Financial charges65/66B€57€40▼
Recurring financial charges65€57€40▼
Profit (loss) for the period before taxes9903€102k€65k▼
Income taxes67/77€22k€14k▼
Profit (loss) for the period9904€80k€51k▼
Profit (loss) for the period to be appropriated9905€80k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€131k▲
Profit (loss) brought forward from the previous period14P-€80k
The notes to these accounts (5 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 · micro schema · 28 days late
2025
31-12
Financial
Equity above €100kEq €134k ▲61.6%
2 profitable years in a row build equity to €134k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 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, Leuven · 1 establishment unit since 2023
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.
Weggevoerdenstraat 973012 LeuvenGround area
484 m²
Building footprint
105 m²
Volume, LiDAR
593 m³
Parcel 24126B0037/00K003, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Twinto
since 20232.346.117.917
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126B0037/00K003 | Flanders | 484 m² | 1 · 105 m² | 10.5 m · 1 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
TOVANCO
BE 0791.753.788
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Northpole
BE 1002.535.283
Antwerpen · Eq €134k
JOCOMM
BE 1017.283.243
Sint-Truiden · Eq €134k
SDP INVEST
BE 0780.959.470
Gent · Eq €134k
Tardel
BE 0407.672.786
Kontich · Eq €134k
Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 7,155 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2023
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
82300Organisation of conventions and trade shows
85599Other education
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.