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TWOLVE

Active Private limited companyfounded 2019active for 7 yearsSpitaalbosstraat (W.) 2, 9790 Wortegem-PetegemKBO/BCE: BE 0732.582.305
TWOLVE
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €19,810 (2025)
€19,810▲ 708%
lowest -€8,533 (2022)
€4,771▲ 15×
peak €20,862 (2025)
€20,862▲ 29.7%
€49,744▼ 16.7%
Board2 names since 2019
2 directorsKERKHOF Dirk Juliaan and 1 other
Documentsfilings and deeds
31-01-2026on the last day
2025micro format
Gross margin from €2,451 to €19,810Result from €320 to €4,771Registered office moved from Izegem to Wortegem-Petegem 20-03Equity from €16,090 to €20,862Debts from €59,688 to €49,744Cash from €8,233 to €4,507

Key points

from the 2025 annual accounts

Turnover

≈ €91,000 estimated

The micro format states no turnover.

Debts

€49,744 70% of the balance sheet
Financial debts 34%Suppliers 1%Taxes and wages 9%Other 57%

Of this, €32,777 falls due within a year.

Filings

6 annual accounts 5 late
deadline202020222024

The 2021 accounts came latest: 28 days after the end of the period.

Checked score

80
Excellent
Financially stronger than 40% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1%lowest value 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.2%▲ +0.1 percentage points vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.5%▲ +0.3 percentage points vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.6%▲ +0.1 percentage points vs 12-2025 02-2026: 0.4%▼ -0.2 percentage points vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026 09-2026: 0.5%▲ +0.1 percentage points vs 08-2026 10-2026: 0.6%▲ +0.1 percentage points vs 09-2026highest value 11-2026: 0.6%● unchanged vs 10-2026

Financial strength
Average

55+9equity 29.5% of total assets
35-4short-term debt 46.4% · cash 6.4%
77+47return on assets 6.8%

Score breakdown

raises risk
1 change of registered office in 24 months
2 establishment units
Liquidity: current ratio 0.29, cash €4,507
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 30% of them on solvency, 16% on liquidity, 43% on profitability and 72% on growth.

The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 30-06-2025.

Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 6,713 companies had the same profile as TWOLVE has now. Each dot stands for 17 companies, two years later.

95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of TWOLVE itself: 0.6% within 12 months.

Test of the method

The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 6,713 companies, not a prediction for TWOLVE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €1,500 on 30-day terms is acceptable

Liquidity is insufficient, with a current ratio of 0.29 (0.32 in 2024), below 1. Short-term debt is 46.4% and cash 6.4% of total assets. 70.5% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · 2 establishment units
KBO · seat and establishments
raises risk · Liquidity: current ratio 0.29, cash €4,507
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
on the day
2024
3 days late
2023
2 days late
2022
15 days late
2021
28 days late
2020
22 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 12 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 3 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end11-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

KD
KERKHOF Dirk Juliaan
Director, since 13-08-2019
VN
VERLINDE Nathalie Simonne
Director, since 13-08-2019
  • KERKHOF Dirk Juliaan founderdeed of 16-08-2019
  • VERLINDE Nathalie Simonne founderdeed of 16-08-2019
Board & ownership

Recent changes

New establishment in Boutersem BePresense, Honsemsestraat 46
Registered in the Peppol Directory Reachable for e-invoices through 0208:0732582305
Registered office moved from Izegem to Wortegem-Petegem New registered office: Spitaalbosstraat 2, 9790 Wortegem-Petegem · Previous registered office: Molenweg 19 bus 2, 8870 Izegem · General meeting of 12-08-2024 · Gazette deed
Incorporation Founding capital of €1,000 · Founders: KERKHOF Dirk Juliaan and VERLINDE Nathalie Simonne · Appointments: KERKHOF Dirk Juliaan (director) and VERLINDE Nathalie Simonne (director) · published on 16-08-2019 · Gazette deed
All 13 events

Comparable companies

same main activity, similar in size and age
Company
TWOLVE Wortegem-Petegem €70,606 €19,810 29.5% -
Dion BEL Ghent €72,220 €22,165 32.8% -
OLIVIER MOUTON CONSULT Lochristi €64,486 €20,537 52.1% -
ROLUVIC Zwalm €76,745 €21,071 83.0% -
Deloti Consult Haaltert €55,147 €21,123 70.2% -
VANHOUTTE TECHNICAL SERVICES Ypres €69,244 €20,179 87.2% -
Sylvie Bracqué Lier €74,452 €19,001 44.8% -

These companies have the same main activity as TWOLVE: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €55,100 and €76,700, founded between 2018 and 2020.

Official details

Source: KBO
Status
Active since 13-08-2019Normal situation
Activity
Business and other management consultancyNACE 70200and 1 other
Establishment units
2.296.928.2279790 Wortegem-Petegem, since 13-08-2019
2.393.407.3953370 Boutersem, since 19-08-2026
Financial year end
30 June
Peppol
Reachable since 29-11-2025
Company details

Annual accounts to 30-06-2025

€19,810▲ 708%
€4,771▲ 15×
€20,862▲ 29.7%
€70,606▼ 6.8%
Filing
Filed on 31-01-2026, on the last day of the filing period
Financials

Insights on TWOLVE

TWOLVE files the micro format. That format states no turnover. The gross margin rose from €11,853 in 2020 to €19,810 in 2025.

The balance sheet grew most in 2023 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 31-01-2026, on the day of the deadline
€19,810
▲ 708%
€7,641
▲ 309%
€4,771
▲ 15×
-€23,176
▲ €1,839
29.5%
▲ 8.3 percentage points
0.29
▼ 0.03

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €91,000. Estimated: probably between €43,000 and €180,000.

Balance sheet

balance sheet total €70,606 on 30-06-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

29.5%

Higher than 30% of 39,376 companies in 2025.

0.29

Higher than 7% of 38,058 companies in 2025.

6.8%

Higher than 35% of 38,530 companies in 2025.

TWOLVE Middle half of the sector 80% of the sector Micro accounts in head offices and management consultancy (NACE 70)

Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 70,60675,77881,31417,97536,32626,144
21/28 61,00563,83555,2797,38810,3964,294
21 --01236121,101
22/27 55,60558,43549,8797,2649,7833,193
22 14,1508,556----
23 13,88913,45013,4501,7152,4543,193
24 27,56536,42936,4295,5507,330-
28 5,4005,4005,400---
29/58 9,60111,94326,03510,58825,93121,850
40/41 4,0921,0005,3185,7082,3404,511
40 8851,0005,3165,654903,004
41 3,20701542,2501,507
50/53 0531,55164,4404,440
54/58 4,5078,23314,1354,63518,76112,900
490/1 1,0022,6575,032238390-
Balance sheet: equity and liabilities
10/49 70,60675,77881,31417,97536,32626,144
10/15 20,86216,09015,7709,34317,87610,932
10/11 1,0001,0001,0001,0001,0001,000
13 19,86216,43216,43216,43216,4329,600
130/1 100100100100100100
1311 100100100100100100
133 19,76216,33216,33216,33216,3329,500
14 0-1,342-1,662-8,089444332
17/49 49,74459,68865,5448,63318,45115,213
17 16,96822,73029,740---
170/4 16,96822,73029,740---
42/48 32,77736,95835,8048,63318,45115,213
42 5,7637,0107,296---
43 019---650
430/8 019---650
44 3416,5091,4463,2331,049-
440/4 3416,5091,4463,2331,049-
46 03,321-01,550-
45 4,3064,4327,1682,5073,622993
450/3 2,5064,4325,1682,5073,622993
454/9 1,80002,000---
47/48 22,36615,66719,8942,89312,23013,570
Income statement
9900 19,8102,45113,725-5,32813,80011,853
630 10,72305,7273,0082,798868
640/8 1,446585792469400-
9901 7,6411,8667,206-8,80510,60210,985
75/76B 31303296860
75 31303296860
65/66B 1,1971,423653277503154
65 1,1971,423653277503154
9903 6,4474566,552-8,75210,16610,891
67/77 1,675135125-2203,222959
9904 4,7713206,427-8,5336,9449,932
9905 4,7713206,427-8,5336,9449,932
Appropriation of the result
9906 3,430-1,342-1,662-8,0897,2769,932
14P -1,342-1,662-8,089444--
691/2 3,430--06,8329,600
6920 -----100
6921 3,430--06,8329,500
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 12 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 31-01-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-06-2025 micro format 31-01-2026 2026-00024456 PDF
30-06-2024 micro format 03-02-2025 2025-00023662 PDF
30-06-2023 micro format 02-02-2024 2024-00023243 PDF
30-06-2022 micro format 15-02-2023 2023-00027455 PDF
30-06-2021 micro format 28-02-2022 2022-06800109 PDF
30-06-2020 micro format 22-02-2021 2021-05900180 PDF

Subsidies and aid

Flemish government 2022 to 2024, 2 entries, €375 awarded, €375 paid

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
€375
Year Entries AwardedPaid
2024 1 €270€270
2022 1 €105€105

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
18,3641,86612,933-5,79713,40011,853
15,49432012,154-5,5259,74210,800
8,7658,55653,61808,9005,162
-3,726-5,9029,499-14,1265,862-
-23,176-25,015-9,7691,9557,4806,638
29.5%21.2%19.4%52.0%49.2%41.8%
0.290.320.731.231.411.44
2.383.714.160.921.031.39
22.9%2.0%40.8%-91.3%38.8%90.9%
6.8%0.4%7.9%-47.5%19.1%38.0%
15.341.3119.80-20.94--

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item30-06-202530-06-202430-06-202330-06-2022
Tangible fixed assets€8,765€8,556€48,218-
Financial fixed assets--€5,400-
€10,723€0€5,727€3,008

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on TWOLVE

The operating result for 2025 is 4.1 times that of 2024 and the highest since 2021. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total falls from 78.8% to 70.5%. Equity is higher and debt is lower.

Board & ownership

Board

2 directors, since incorporation
KERKHOF Dirk Juliaan
Director (not named in the articles)
since 13-08-2019 term without a fixed end
listed in the 2025 annual accounts, filed on 31-01-2026
VERLINDE Nathalie Simonne
Director (not named in the articles)
since 13-08-2019 term without a fixed end
listed in the 2025 annual accounts, filed on 31-01-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 16-08-2019

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
KERKHOF Dirk Juliaan
Director (not named in the articles)
VERLINDE Nathalie Simonne
Director (not named in the articles)
Board
Mandates as a list
  • KERKHOF Dirk Juliaan
    • Director (not named in the articles), from 13-08-2019 to date
  • VERLINDE Nathalie Simonne
    • Director (not named in the articles), from 13-08-2019 to date

See the board, name and registered office on a given date →

Control

Founders
KERKHOF Dirk Juliaan, VERLINDE Nathalie Simonne
This company
TWOLVE
Equity €20,862
Profit €4,771 in 2025

Capital

Contribution
€1,000
Source
deed of 16-08-2019

Articles of association

deed of 16-08-2019 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of December at 13:00

Founders

At incorporation deed of 16-08-2019 ↗

Network & group

No group

TWOLVE has no parent and no holdings in its annual accounts. TWOLVE shares no director with another company.

Timeline

Timeline

13 events since 2019

Deadline for the 2026 accounts: 31-01-2027

2026
New establishment in Boutersem BePresense, Honsemsestraat 46
Annual accounts 2025 filed PDFmicro format · on the deadline day
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0732582305
Registered office moved from Izegem to Wortegem-PetegemNew registered office: Spitaalbosstraat 2, 9790 Wortegem-Petegem · Previous registered office: Molenweg 19 bus 2, 8870 Izegem · General meeting of 12-08-20242 points ▸
  • General meeting, 12-08-2024
  • Registered-office move, Spitaalbosstraat 2, 9790 Wortegem-Petegem

Open the deed in the Belgian Official Gazette

Annual accounts 2024 filed PDFmicro format · 3 days late
2024
Annual accounts 2023 filed PDFmicro format · 2 days late
2023
Back to profit net €6,427 The net result is €6,427, after one loss-making year.
Annual accounts 2022 filed PDFmicro format · 15 days late
2022
Weakest financial year net -€8,533 The net result drops to -€8,533, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2021 filed PDFmicro format · 28 days late
2021
Annual accounts 2020 filed PDFmicro format · 22 days late
2019
IncorporationFounding capital of €1,000 · Founders: KERKHOF Dirk Juliaan and VERLINDE Nathalie Simonne · Appointments: KERKHOF Dirk Juliaan (director) and VERLINDE Nathalie Simonne (director) · published on 16-08-20196 points ▸

Open the deed in the Belgian Official Gazette

First establishment Je Plek, Spitaalbosstraat (W.) 2, Wortegem-Petegem

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

TWOLVE was incorporated on 13 August 2019 as a private limited company by two natural persons, with a starting capital of €1,000.12 The registered office was moved to Wortegem-Petegem in 2025.3 The board currently has 2 members, 2 of whom have served since 2019.4 Total assets rose from €26,144 in 2020 to €70,606 in 2025.5

  1. 1KBO register
  2. 2Belgian Official Gazette, 16-08-2019
  3. 3Belgian Official Gazette, 20-03-2025
  4. 4National Bank, annual accounts 2025
  5. 5National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0732.582.305
VAT number
BE 0732.582.305
Peppol ID
0208:0732582305
Other Peppol ID
9925:BE0732582305
Legal form
Private limited company
Status
Active, normal situation
Founded
13-08-2019
Financial year
ends on 30 June
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of December at 13:00
deed of 16-08-2019 (in Dutch)
Peppol
Reachable since 29-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
TWOLVE in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 16-08-2019 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 16-08-2019 (in Dutch)

Activities

NACEBEL 2025
70200 Business and other management consultancy main activity
85599 Other education
Codes under NACEBEL 2008
70220 Business consulting main activity
85599 Other education
PurposeThe purpose describes the activities the company may carry out under its articles.
“Uitbating van een praktijk rond logopedie,therapeutische begeleiding van kinderen en volwassenen,lichaamsbeheersing en…”
7 activities
  1. Uitbating van een praktijk rond logopedie,therapeutische begeleiding van kinderen en volwassenen,lichaamsbeheersing en relaxatie,studieondersteuning,…teneinde kinderen en volwassenen individueel of in groep te laten groeien
  2. Organisatie van kampen en lessenreeksen teneinde bovenvermelde groei op zowel sociaalemotioneel,mentaal en educatief vlak te stimuleren
  3. De ontwikkeling,vervaardiging,productie,groot en kleinhandel,import en export van allerhande therapiemateriaal
  4. Managements en coachingactiviteiten bij particulieren,bedrijven en overheden
  5. Het verstrekken van advies,de organisatie van workshops en seminaries
  6. ICTbeheer
  7. Zakelijke dienstverlening–handelsbemiddeling in goederen
deed of 16-08-2019 (in Dutch)

Registered office and establishments

2 establishments
Establishment Since Unit number
Je Plek registered office Spitaalbosstraat (W.) 2, 9790 Wortegem-Petegem 32400 Other manufacturing 13-08-2019 2.296.928.227
BePresense Honsemsestraat 46, 3370 Boutersem 85599 Other education 19-08-2026 2.393.407.395
1 former office
  • 8870 Izegem until 12-08-2024 · deed of 20-03-2025

Buildings and parcels at the addresses

Ground area
1,985 m²
Buildings
290 m²
Volume, LiDAR
1,738 m³
Tallest building
14.6 m
Buildings to scale, each on its own parcel
159 m², 14.6 m 130 m², 10.0 m 159 m², 14.6 m 130 m², 10.0 m

Location

registered office establishment All 2 establishment units on the map

Parcels

Cadastral parcelArea Buildings Height / floors
45055C0468/00H0021,203 m² 1 · 159 m² 14.6 m · 1
24702B0541/00A000782 m² 1 · 130 m² 10.0 m · 3

Contact

Website www.bepresense.com establishment in Boutersem
E-mail welkom@bepresense.com establishment in Boutersem

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