Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of OVER TIME is 1.9% (moderate). The 2025 annual accounts show equity of €29k and a net result of €14k. Its solvency ranks better than 55% of 425 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-07-2026, 20 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 11-07-2026 | 20 d early | 2026-00282209 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.9%
Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€14k
Working capital€-45k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 11-07-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 49, Land transport · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 34.3% | 30.5% | |
| Net result | €14k | €9k | |
| Equity | €29k | €25k | |
| Gross operating margin | €34k | €48k | |
| Total assets | €83k | €110k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €32k |
| Net profit | €14k |
| Cash flow | €25k |
| Staff costs | - |
| Income taxes | €6k |
| Dividends | - |
| Total assets | €83k |
| Equity | €29k |
| Debt | €55k |
| of which ≤ 1y | €55k |
| of which > 1y | - |
| Working capital | €-45k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.18 |
| Quick ratio | 0.18 |
| Working capital ratio | -54.0% |
| Solvency | 34.3% |
| Debt / equity | 1.92 |
| Long-term debt ratio | - |
| Interest coverage | 224.38 |
| Gross margin | - |
| Net margin | - |
| ROA | 16.3% |
| ROE | 47.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | 52d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €83k |
| Fixed assets | 21/28 | €74k |
| Intangible fixed assets | 21 | €50k |
| Tangible fixed assets | 22/27 | €24k |
| Current assets | 29/58 | €10k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €457 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €83k |
| Equity | 10/15 | €29k |
| Contributions / capital | 10/11 | €15k |
| Accumulated profits (losses) | 14 | €14k |
| Amounts payable | 17/49 | €55k |
| Amounts payable within one year | 42/48 | €55k |
| Trade debts payable within one year | 44 | €7k |
| Income statement | ||
| Gross operating margin | 9900 | €34k |
| Operating result | 9901 | €20k |
| Financial charges | 65 | €141 |
| Result before taxes | 9903 | €20k |
| Income taxes | 67/77 | €6k |
| Net result for the period | 9904 | €14k |
| Result to be appropriated | 9905 | €14k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed56
/ 100
Fair
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
4 directorsCurrent directors & mandates
-
Current05-11-2024 → present
Former directors (3)
-
Former22-10-2025 → 29-10-2025
2 events
- 29-10-2025 Resigned· Director
- 22-10-2025 Appointed· Director
-
Former- → 22-10-2025
-
Former- → 05-11-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Diensten voor personenvervoer op aanvraag per voertuig met chauffeur(49330) |
| Legal form | Private limited company(610) |
| Incorporation | 03-10-2024 |
| Status | Active |
| Postal code | 1600 |
Structure & network
Connections & network
2 connected companiesLinked via shared directors
viaSHAIKH NADIA · Managing director
former→
viaSHAIKH NADIA · Director
former→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Bergensesteenweg 241600 Sint-Pieters-LeeuwEstablishment units
1 locationOVER TIME
since 20242.365.339.555
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,671 m²
Buildings2
Building footprint427 m²
Volume (LiDAR)3,480 m³
Tallest building12.7 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0118/00W082 | Flanders | 1,638 m² | 1 · 398 m² | 9.5 m · 3 fl. |
| 21305B0238/00P008 | Brussels | 32 m² | 1 · 29 m² | 12.7 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Capital history · 1
05-11-2024
v3.2
All acts · 5
updated 9 months ago
2025
07-11-2025 ZERLI Hamza resigns as director
29-10-2025 1 director appointed, 1 resigning
03-04-2025 Change in the board of directors
Summary:
v3.2
2024
05-11-2024 Transaction in capital or shares
Summary:
v3.2
07-10-2024 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes66
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
56
Profitability
100
Solvency
43
Growth
-
Stability
67
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 0802.722.510 · Grimbergen
BE 0799.202.103 · Antwerpen
BE 0792.925.312 · Ternat
BE 0719.347.446 · Antwerpen
BE 0674.412.690 · Antwerpen
We hold annual accounts for 765 of the 6,614 companies in this sector. 638 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Exploitatie van taxi's49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Personenvervoer te land binnen steden of voorsteden49310Personenvervoer over de weg volgens dienstregeling49310Personenvervoer over de weg zonder dienstregeling49320Overig personenvervoer te land, n.e.g.49390Verhuur en lease van personenauto's en lichte bestelwagens (< 3,5 ton)77110Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110
Primary activity highlighted.
Names & trade names
| Legal nameNL | OVER TIME |
Registered office
Bergensesteenweg 24 bus 8
1600 Sint-Pieters-Leeuw, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.