REAL TIME IMPROVEMENTS
ActiveREAL TIME IMPROVEMENTS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €202k and a net result of €61k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 16.21 against 3.29 in 2024; short-term debt: 4.4% and cash: 56.7% of total assets), and 4.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
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
95.6%
Return on assets
28.8%
Age of the figures
9 mo
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
43 d early
2023
20 d early
2022
210 d late
2021
4 d early
2020
33 d early
2019
63 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€202k▲ 37.4%
2024 · €147k
2018: €71k
2019: €66k
2020: €74k
2021: €86k
2022: €106k
2023: €111k
2024: €147k
2018 → 2025
Total assets
€211k▲ 19.3%
2024 · €177k
2018: €214k
2019: €187k
2020: €173k
2021: €186k
2022: €176k
2023: €158k
2024: €177k
2018 → 2025
Net result
€61k▲ 35.0%
2024 · €45k
2018: €8k
2019: €-4k
2020: €8k
2021: €11k
2022: €24k
2023: €16k
2024: €45k
2018 → 2025
Working capital
€141k▲ 105%
2024 · €69k
2018: €34k
2019: €26k
2020: €21k
2021: €16k
2022: €37k
2023: €29k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€106k▲ 23.6%€111k▲ 5.3%€147k▲ 31.7%€202k▲ 37.4%
Operating result€20k-€38k▲ 90.9%€26k▼ 31.2%€70k▲ 166%€92k▲ 32.5%
Net result€11k-€24k▲ 115%€16k▼ 32.3%€45k▲ 175%€61k▲ 35.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €211k
Fixed assets
€61k▼ 21.9%
Current assets
€150k▲ 52.0%
Equity and liabilities €211k
Equity
€202k▲ 37.4%
Debt
€9k▼ 69.1%
The debt ratio falls from 16.9% to 4.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€113k▲
2024 · €89k
Cash flow
€81k▲
2024 · €64k
Solvency
95.6%▲
2024 · 83.1%
Current ratio
16.21▲
2024 · 3.29
Quick ratio
16.21▲
2024 · 3.29
Debt / equity
0.05▼
2024 · 0.20
ROE
30.2%▼
2024 · 30.7%
ROA
28.8%▲
2024 · 25.5%
Interest coverage
290.56▲
2024 · 79.16
Debt
€9k▼
2024 · €30k
Debt ≤ 1 year
€9k▼
2024 · €30k
Income taxes
€31k▲
2024 · €24k
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€177k€211k▲
Fixed assets21/28€78k€61k▼
Tangible fixed assets22/27€78k€61k▼
Land and buildings22€13k€12k▼
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€9k€3k▼
Leasing and similar rights25€49k€39k▼
Current assets29/58€99k€150k▲
Amounts receivable within one year40/41€33k€29k▼
Trade receivables40€33k€29k▼
Cash at bank and in hand54/58€64k€119k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€177k€211k▲
Equity10/15€147k€202k▲
Contributions10/11€6k€6k=
Reserves13€141k€195k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€17k€17k=
Distributable reserves133€121k€176k▲
Amounts payable17/49€30k€9k▼
Amounts payable within one year42/48€30k€9k▼
Current portion of amounts payable after more than one year42€16k-
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€10k€6k▼
Other amounts payable47/48€2k€323▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€91k€115k▲
Operating profit (loss)9901€70k€92k▲
Financial charges65/66B€1k€387▼
Recurring financial charges65€1k€387▼
Profit (loss) for the period before taxes9903€69k€92k▲
Income taxes67/77€24k€31k▲
Profit (loss) for the period9904€45k€61k▲
Profit (loss) for the period to be appropriated9905€45k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€61k▲
Transfer from equity791/2€10k€6k▼
Transfer to equity691/2€45k€61k▲
To other reserves6921€45k€61k▲
Profit to be distributed694/7€10k€6k▼
Return on contributions (dividend)694€10k€6k▼
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €61k ▲35%
Operating result €92k, net result €61k, both a record.
31-12
Financial
Liquidity times 5current ratio 16.21
Current ratio from 3.29 to 16.21; short-term debt falls from €30k to €9k.
31-12
Financial
Equity above €200kEq €202k ▲37.4%
6 profitable years in a row build equity to €202k.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
26-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 210 days late
2022
31-12
Financial
Equity above €100kEq €106k ▲23.6%
3 profitable years in a row build equity to €106k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼155%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Lier · 1 establishment unit since 2000
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.
Patrijsweg 242500 LierGround area
250 m²
Building footprint
103 m²
Volume, LiDAR
624 m³
Parcel 12392B0181/00A004, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Patrijsweg 24, 2500 Lier
since 20002.100.977.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392B0181/00A004 | Flanders | 250 m² | 1 · 103 m² | 10.2 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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YG Consult
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VERBEKE TECHNIEK
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,924 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2000
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.