B-TWINS
ActiveB-TWINS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180k and a net result of €15k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-7
Solvency89▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.01 against 2.87 in 2024; short-term debt: 27% and cash: 79.2% of total assets), and 35.8% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
64.2%
Return on assets
5.4%
Age of the figures
9 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
42 d early
2023
31 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 47.8%
2024 · €29k
2018: €17k
2019: €15k
2020: €20k
2021: €20k
2022: €25k
2023: €12k
2024: €29k
2018 → 2025
Working capital
€152k▲ 9.2%
2024 · €139k
2018: €73k
2019: €84k
2020: €93k
2021: €107k
2022: €122k
2023: €116k
2024: €139k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€109k-€124k▲ 13.6%€136k▲ 9.6%€165k▲ 21.2%€180k▲ 9.1%
Operating result€28k-€34k▲ 22.3%€29k▼ 14.8%€45k▲ 54.9%€29k▼ 35.3%
Net result€20k-€25k▲ 26.0%€12k▼ 52.0%€29k▲ 142%€15k▼ 47.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €280k
Fixed assets
€53k▼ 15.5%
Current assets
€227k▲ 6.6%
Equity and liabilities €280k
Equity
€180k▲ 9.1%
Debt
€100k▼ 9.6%
The debt ratio falls from 40.3% to 35.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €54k
Cash flow
€25k▼
2024 · €38k
Solvency
64.2%▲
2024 · 59.7%
Current ratio
3.01▲
2024 · 2.87
Quick ratio
3.01▲
2024 · 2.87
Debt / equity
0.56▼
2024 · 0.67
ROE
8.4%▼
2024 · 17.5%
ROA
5.4%▼
2024 · 10.5%
Interest coverage
19.89▼
2024 · 20.94
Debt
€100k▼
2024 · €111k
Debt ≤ 1 year
€75k▲
2024 · €74k
Debt > 1 year
€25k▼
2024 · €37k
Income taxes
€12k▼
2024 · €13k
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€276k€280k▲
Fixed assets21/28€62k€53k▼
Tangible fixed assets22/27€62k€53k▼
Plant, machinery and equipment23€45-
Furniture and vehicles24€62k€53k▼
Current assets29/58€213k€227k▲
Amounts receivable within one year40/41€24k€3k▼
Trade receivables40€19k-
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€187k€222k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€276k€280k▲
Equity10/15€165k€180k▲
Contributions10/11€6k€6k=
Reserves13€158k€173k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€157k€172k▲
Amounts payable17/49€111k€100k▼
Amounts payable after more than one year17€37k€25k▼
Financial debts170/4€37k€25k▼
Amounts payable within one year42/48€74k€75k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€645€1k▲
Suppliers440/4€645€1k▲
Taxes, remuneration and social security45€13k€16k▲
Taxes450/3€13k€16k▲
Other amounts payable47/48€49k€46k▼
Accrued charges and deferred income492/3€85€260▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€2k€869▼
Gross operating margin9900€56k€39k▼
Operating profit (loss)9901€45k€29k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€42k€27k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€29k€15k▼
Profit (loss) for the period to be appropriated9905€29k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€15k▼
Transfer to equity691/2€29k€15k▼
To other reserves6921€29k€15k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €29k ▲142%
Operating result €45k, net result €29k, both a record.
31-12
Financial
Equity above €150kEq €165k ▲21.2%
7 profitable years in a row build equity to €165k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €12k ▼52%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €109k ▲9.8%
4 profitable years in a row build equity to €109k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 24 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2010
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.
Rue du Poirier 91348 Ottignies-Louvain-la-NeuveGround area
292 m²
Building footprint
70 m²
Volume, LiDAR
406 m³
Parcel 25386B0137/00D005, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Poirier 9, 1348 Ottignies-Louvain-la-Neuve
since 20102.192.500.601
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0137/00D005 | Wallonia | 292 m² | 1 · 70 m² | 7.3 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.
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PICTORUM
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,606 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-10-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.