TWOFORONEJOB
ActiveSummary
TWOFORONEJOB has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €156,423 and a net result of €34,334. Equity is growing by ~34.6% per year across the filed fiscal years. Its solvency ranks better than 74% of 794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-11
Solvency99▲+10
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 3.55 against 2.52 in 2024; short-term debt: 25.5% and cash: 25.6% of total assets), and 25.5% of the assets are financed with debt.
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Signals
Five 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 · 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
74.5%
Return on assets
16.3%
Age of the figures
12 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Employment activities (NACE 78)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-05-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
16 d late
2023
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 30% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€156,423▲ 17.3%
2024 · €133,306
Total assets
€210,100▲ 1.3%
2024 · €207,385
Net result
€34,334▼ 51.5%
2024 · €70,859
Working capital
€136,847▲ 21.2%
2024 · €112,876
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 78, Employment activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€83,897-€91,137▲ 8.6%€45,228▼ 50.4%
Net result€62,447above the sector's middle half-€70,859above the sector's middle half▲ 13.5%€34,334within the sector's middle half▼ 51.5%
Equity€64,047within the sector's middle half-€133,306within the sector's middle half▲ 108%€156,423above the sector's middle half▲ 17.3%
Total assets€187,089within the sector's middle half-€207,385within the sector's middle half▲ 10.8%€210,100within the sector's middle half▲ 1.3%
Debt€123,042-€74,079▼ 39.8%€53,677▼ 27.5%
Working capital€42,433within the sector's middle half-€112,876above the sector's middle half▲ 166%€136,847above the sector's middle half▲ 21.2%
Solvency34.2%within the sector's middle half-64.3%within the sector's middle half▲ 30.0pp74.5%within the sector's middle half▲ 10.2pp
Current ratio1.34within the sector's middle half-2.52within the sector's middle half▲ 1.183.55within the sector's middle half▲ 1.03
Return on assets (ROA)33.4%above the sector's middle half-34.2%above the sector's middle half▲ 0.8pp16.3%within the sector's middle half▼ 17.8pp
above
within
below
the middle half (P25 to P75) of NACE 78, Employment activities, each year against the same schema; no band under 30 filings.
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 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210,100
Fixed assets
€19,576 ▼ 4.2%
Current assets
€190,524 ▲ 1.9%
Equity and liabilities €210,100
Equity
€156,423 ▲ 17.3%
Debt
€53,677 ▼ 27.5%
Debt's share of the balance-sheet total falls from 35.7% to 25.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52,424▼
2024 · €96,854
Cash flow
€41,530▼
2024 · €76,576
Debt to equity
0.34▼
2024 · 0.56
ROE
21.9%▼
2024 · 53.2%
Interest coverage
101.89▼
2024 · 982.89
Debt ≤ 1 year
€53,677▼
2024 · €74,079
Income taxes
€11,382▼
2024 · €20,930
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €620 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,729 | €5,717 | €7,196 | ▲ 25.9% |
| Other operating charges640/8 | €185 | €1,024 | €352 | ▼ 65.7% |
| Gross operating margin9900 | €85,811 | €97,878 | €52,776 | ▼ 46.1% |
| Operating profit (loss)9901 | €83,897 | €91,137 | €45,228 | ▼ 50.4% |
| Financial income75/76B | - | €751 | €1,002 | ▲ 33.4% |
| Recurring financial income75 | - | €751 | €1,002 | ▲ 33.4% |
| Financial charges65/66B | €8 | €99 | €515 | ▲ 422% |
| Recurring financial charges65 | €8 | €99 | €515 | ▲ 422% |
| Profit (loss) for the period before taxes9903 | €83,889 | €91,790 | €45,716 | ▼ 50.2% |
| Income taxes67/77 | €21,442 | €20,930 | €11,382 | ▼ 45.6% |
| Profit (loss) for the period9904 | €62,447 | €70,859 | €34,334 | ▼ 51.5% |
| Profit (loss) for the period to be appropriated9905 | €62,447 | €70,859 | €34,334 | ▼ 51.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €187,089 | €207,385 | €210,100 | ▲ 1.3% |
| Fixed assets21/28 | €21,613 | €20,430 | €19,576 | ▼ 4.2% |
| Tangible fixed assets22/27 | €21,613 | €20,430 | €19,576 | ▼ 4.2% |
| Plant, machinery and equipment23 | - | €1,453 | €2,711 | ▲ 86.6% |
| Furniture and vehicles24 | €21,613 | €18,977 | €15,998 | ▼ 15.7% |
| Other tangible fixed assets26 | - | - | €868 | - |
| Current assets29/58 | €165,476 | €186,955 | €190,524 | ▲ 1.9% |
| Amounts receivable after more than one year29 | - | €28,026 | €41,057 | ▲ 46.5% |
| Other amounts receivable291 | - | €28,026 | €41,057 | ▲ 46.5% |
| Amounts receivable within one year40/41 | €72,023 | €99,220 | €44,210 | ▼ 55.4% |
| Trade receivables40 | €72,023 | €99,220 | €44,028 | ▼ 55.6% |
| Other amounts receivable41 | €0 | - | €182 | - |
| Current investments50/53 | - | - | €50,000 | - |
| Cash at bank and in hand54/58 | €92,000 | €59,439 | €53,866 | ▼ 9.4% |
| Deferred charges and accrued income490/1 | €1,453 | €270 | €1,390 | ▲ 415% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €187,089 | €207,385 | €210,100 | ▲ 1.3% |
| Equity10/15 | €64,047 | €133,306 | €156,423 | ▲ 17.3% |
| Contributions10/11 | €1,600 | €1,600 | €1,600 | = |
| Capital10 | €1,600 | - | - | - |
| Issued capital100 | €1,600 | - | - | - |
| Profit (loss) carried forward14 | €62,447 | €131,706 | €154,823 | ▲ 17.6% |
| Amounts payable17/49 | €123,042 | €74,079 | €53,677 | ▼ 27.5% |
| Amounts payable within one year42/48 | €123,042 | €74,079 | €53,677 | ▼ 27.5% |
| Trade debts44 | €40,215 | €34,669 | €14,451 | ▼ 58.3% |
| Suppliers440/4 | €40,215 | €34,669 | €14,451 | ▼ 58.3% |
| Taxes, remuneration and social security45 | €41,990 | €37,809 | €37,508 | ▼ 0.8% |
| Taxes450/3 | €41,990 | €37,809 | €37,508 | ▼ 0.8% |
| Other amounts payable47/48 | €40,838 | €1,600 | €1,718 | ▲ 7.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €62,447 | €70,859 | €34,334 | ▼ 51.5% |
| + Depreciation and write-downs630 | €1,729 | €5,717 | €7,196 | ▲ 25.9% |
| Operating cash flow (approximation) | €64,176 | €76,576 | €41,530 | ▼ 45.8% |
| Investment in fixed assets (approximation) | - | -€4,533 | -€6,343 | ▼ 39.9% |
| Change in cash | - | -€32,561 | -€5,573 | ▲ 82.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
Financial
Weakest financial yearnet €34,334 ▼51.5%
Net result drops to €34,334, the lowest in the series.
30-09
Financial
Equity above €150,000Eq €156,423 ▲17.3%
3 profitable years in a row build equity to €156,423.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
30-09
Financial
Highest result since 2023net €70,859 ▲13.5%
Operating result €91,137, net result €70,859, both a record.
30-09
Financial
Equity above €100,000Eq €133,306 ▲108%
2 profitable years in a row build equity to €133,306.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Waterloo · 1 establishment unit since 2023
Ground area
1,347 m²
Building footprint
156 m²
Volume, LiDAR
1,085 m³
Parcel 25762H0640/00S000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Avenue des Sarcelles 20, 1410 Waterloo
since 20232.349.163.816
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762H0640/00S000 | Wallonia | 1,347 m² | 1 · 156 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 2,360 companies in sector 78100 we hold annual accounts for 1,364. 1,092 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-06-2023
Fiscal year end30-09
Activities, NACEBEL 2025
78100Employment placement agencies
70200Business and other management consultancy
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0802746165
Also
9925:BE0802746165
Registered
28-11-2024
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.