FRESH TIME
ActiveThe computed 12-month bankruptcy probability of FRESH TIME is 2.3% (moderate). The 2025 annual accounts show equity of €6k and a net result of €8k. Equity is growing by ~84.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 2906 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▲ +65 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency50▲+12
Growth78=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.72 in 2024), and 69.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
9 d early
2023
28 d late
2022
32 d early
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k
2024 · €-2k
2022: €-12k
2023: €-8k
2024: €-2k
2022 → 2025
Total assets
€18k▲ 36.1%
2024 · €13k
2022: €57k
2023: €20k
2024: €13k
2022 → 2025
Net result
€8k▲ 38.6%
2024 · €6k
2022: €-14k
2023: €4k
2024: €6k
2022 → 2025
Working capital
€928
2024 · €-4k
2022: €-12k
2023: €-9k
2024: €-4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-12k-€-8k▲ 30.8%€-2k▲ 70.2%€6k
Operating result€-14k-€4k€6k▲ 52.4%€10k▲ 75.3%
Net result€-14k-€4k€6k▲ 57.8%€8k▲ 38.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 75% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€5k▲ 132%
Current assets
€13k▲ 19.0%
Equity and liabilities €18k
Equity
€6k
Debt
€12k
Debt finances 69.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€11k▲
2024 · €6k
Cash flow
€8k▲
2024 · €6k
Solvency
30.9%▲
2024 · -18.6%
Current ratio
1.08▲
2024 · 0.72
Quick ratio
1.08▲
2024 · 0.72
Debt / equity
2.23▲
2024 · -6.37
ROE
144.2%▲
2024 · -235.3%
ROA
44.6%▲
2024 · 43.8%
Interest coverage
16.12▼
2024 · 37.68
Debt
€12k▼
2024 · €15k
Debt ≤ 1 year
€12k▼
2024 · €15k
Income taxes
€2k
Staff costs
€13k▼
2024 · €53k
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
Total assets
20/58€13k€18k▲
Fixed assets
21/28€2k€5k▲
Tangible fixed assets
22/27€2k€2k▼
Financial fixed assets
28-€3k
Current assets
29/58€11k€13k▲
Amounts receivable within one year
40/41€10k€13k▲
Cash & bank
54/58€861€80▼
Total equity & liabilities
10/49€13k€18k▲
Equity
10/15€-2k€6k▲
Contributions / capital
10/11€3k€3k=
Accumulated profits (losses)
14€-5k€3k▲
Amounts payable
17/49€15k€12k▼
Amounts payable within one year
42/48€15k€12k▼
Trade debts payable within one year
44€12k€8k▼
Income statement
Code20242025
Gross operating margin
9900€60k€26k▼
Operating result
9901€6k€10k▲
Financial income
75-€26
Financial charges
65€169€665▲
Result before taxes
9903€6k€10k▲
Income taxes
67/77-€2k
Net result for the period
9904€6k€8k▲
Result to be appropriated
9905€6k€8k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €8k ▲38.6%
Operating result €10k, net result €8k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
HOTUA DYLAN
BE 0803.514.346
Libramont-Chevigny · Eq €6k
LESLIE VERLEE
BE 0838.938.647
Lokeren · Eq €5k
KSA WARMLIFE
BE 1012.322.979
Wezembeek-Oppem · Eq €5k
CBX Entreprise
BE 0759.945.609
Walhain · Eq €5k
Q-Fire
BE 0778.493.294
Tielt · Eq €5k
Of 9,517 companies in sector 43222 we hold annual accounts for 5,476. 1,600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2021
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 04-09-2026. Scores and ratios are computed by Checked and are not a credit decision.