TWO FOR ONE
ActiveTWO FOR ONE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10k and a net result of €-8k. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 18% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-41
Solvency47▼-43
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.01 against 2.73 in 2023; short-term debt: 78.1% and cash: 7.6% of total assets), and 78.1% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
21.9%
Return on assets
-16.2%
Age of the figures
21 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 20785 sector peers (2024).
NBB · sector comparisonPosition among 20785 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
on the day
2022
11 d early
2021
9 d late
2020
66 d late
2019
119 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€10k▼ 42.5%
2023 · €18k
2018: €22k
2019: €24k
2020: €19k
2021: €18k
2022: €18k
2023: €18k
2018 → 2024
Total assets
€47k▲ 70.4%
2023 · €27k
2018: €39k
2019: €27k
2020: €20k
2021: €26k
2022: €27k
2023: €27k
2018 → 2024
Net result
€-8k
2023 · €47
2018: €8k
2019: €2k
2020: €-5k
2021: €-1k
2022: €103
2023: €47
2018 → 2024
Working capital
€454▼ 97.3%
2023 · €17k
2018: €22k
2019: €24k
2020: €19k
2021: €18k
2022: €17k
2023: €17k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€19k-€18k▼ 5.5%€18k▲ 0.6%€18k▲ 0.3%€10k▼ 42.5%
Operating result€-3k-€-315▲ 90.4%€255€392▲ 53.8%€-7k
Net result€-5k-€-1k▲ 81.1%€103€47▼ 54.6%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €7k after €392 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€10k▲ 706%
Current assets
€37k▲ 41.0%
Equity and liabilities €47k
Equity
€10k▼ 42.5%
Debt
€36k▲ 280%
The debt ratio rises from 35.0% to 78.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2023 · €800
Cash flow
€-6k▼
2023 · €455
Solvency
21.9%▼
2023 · 65.0%
Current ratio
1.01▼
2023 · 2.73
Quick ratio
0.97▼
2023 · 2.65
Debt / equity
3.56▲
2023 · 0.54
ROE
-73.8%▼
2023 · 0.3%
ROA
-16.2%▼
2023 · 0.2%
Interest coverage
-15.03▼
2023 · 2.69
Debt
€36k▲
2023 · €10k
Debt ≤ 1 year
€36k▲
2023 · €10k
Income taxes
€485▲
2023 · €371
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€27k€47k▲
Fixed assets21/28€1k€10k▲
Tangible fixed assets22/27€655€9k▲
Furniture and vehicles24€655€247▼
Leasing and similar rights25-€9k
Financial fixed assets28€560€560=
Current assets29/58€26k€37k▲
Amounts receivable after more than one year29€10k€7k▼
Trade receivables290€10k€7k▼
Stocks and contracts in progress3€748€1k▲
Stocks30/36€748€1k▲
Amounts receivable within one year40/41€5k€24k▲
Trade receivables40€4k€24k▲
Other amounts receivable41€1k€360▼
Cash at bank and in hand54/58€11k€4k▼
Deferred charges and accrued income490/1-€198
Equity and liabilities
Total equity and liabilities10/49€27k€47k▲
Equity10/15€18k€10k▼
Contributions10/11€5k€5k=
Reserves13€13k€5k▼
Non-distributable reserves130/1-€5k
Other1319-€5k
Distributable reserves133€13k-
Profit (loss) carried forward14€47-
Amounts payable17/49€10k€36k▲
Amounts payable within one year42/48€10k€36k▲
Trade debts44€5k€23k▲
Suppliers440/4€5k€23k▲
Advances received on contracts in progress46€3k€8k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€48-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€408€1k▲
Other operating charges640/8€784€433▼
Gross operating margin9900€2k€-5k▼
Operating profit (loss)9901€392€-7k▼
Financial income75/76B€324€357▲
Recurring financial income75€324€357▲
Financial charges65/66B€298€372▲
Recurring financial charges65€298€372▲
Profit (loss) for the period before taxes9903€418€-7k▼
Income taxes67/77€371€485▲
Profit (loss) for the period9904€47€-8k▼
Profit (loss) for the period to be appropriated9905€47€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47€-8k▼
Profit (loss) brought forward from the previous period14P-€47
Transfer from equity791/2-€8k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €-8k ▼16249%
Net result drops to €-8k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €103
Net result €103 after 2 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 66 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 21.90
Current ratio from 8.24 to 21.90; short-term debt falls from €3k to €894.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 8.24
Current ratio from 2.40 to 8.24; short-term debt falls from €16k to €3k.
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
2018
03-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 95 days late
03-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 460 days late
03-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 825 days late
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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2005
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.
Sint-Bernardusstraat 791060 Sint-Gillis (bij-Brussel)Ground area
385 m²
Building footprint
364 m²
Volume, LiDAR
7,792 m³
Parcel 21013B0052/00C003, Brussels · tallest building 25.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Bernardusstraat 79, 1060 Sint-Gillis (bij-Brussel)
since 20052.301.030.337
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0052/00C003 | Brussels | 385 m² | 1 · 364 m² | 25.5 m · 7 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 29,992 companies in sector 62200 we hold annual accounts for 18,386. 9,621 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2005
Fiscal year end31-12
Activities, NACEBEL
62200Computer consultancy and computer facilities management
85599Other education
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.