ThoLoRo
ActiveThoLoRo has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159k and a net result of €34k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 63% of 16809 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+41
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.41 against 3.91 in 2024), and 28.4% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
71.6%
Return on assets
15.4%
Age of the figures
8 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 28-08-2026, 28 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
28 d late
2024
on the day
2023
16 d late
2022
31 d late
2021
24 d late
2020
31 d late
2019
24 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€159k▼ 3.6%
2024 · €164k
2018: €128k
2019: €130k
2020: €130k
2021: €131k
2022: €136k
2023: €155k
2024: €164k
2018 → 2025
Total assets
€221k▲ 1.0%
2024 · €219k
2018: €182k
2019: €178k
2020: €144k
2021: €168k
2022: €176k
2023: €194k
2024: €219k
2018 → 2025
Net result
€34k▲ 75.0%
2024 · €19k
2018: €18k
2019: €20k
2020: €-208
2021: €25k
2022: €21k
2023: €29k
2024: €19k
2018 → 2025
Working capital
€151k▼ 4.7%
2024 · €159k
2018: €105k
2019: €117k
2020: €125k
2021: €127k
2022: €128k
2023: €147k
2024: €159k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€136k▲ 4.1%€155k▲ 13.7%€164k▲ 6.1%€159k▼ 3.6%
Operating result€34k-€35k▲ 3.6%€36k▲ 3.0%€28k▼ 24.2%€47k▲ 69.4%
Net result€25k-€21k▼ 13.7%€29k▲ 35.4%€19k▼ 32.1%€34k▲ 75.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 69% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€7k▲ 24.9%
Current assets
€214k▲ 0.4%
Equity and liabilities €221k
Equity
€159k▼ 3.6%
Debt
€63k▲ 15.0%
The debt ratio rises from 24.9% to 28.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€49k▲
2024 · €30k
Cash flow
€37k▲
2024 · €22k
Solvency
71.6%▼
2024 · 75.1%
Current ratio
3.41▼
2024 · 3.91
Quick ratio
3.41▼
2024 · 3.91
Debt / equity
0.40▲
2024 · 0.33
ROE
21.5%▲
2024 · 11.8%
ROA
15.4%▲
2024 · 8.9%
Interest coverage
65.24▼
2024 · 207.77
Debt
€63k▲
2024 · €55k
Debt ≤ 1 year
€63k▲
2024 · €55k
Income taxes
€14k▲
2024 · €9k
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€219k€221k▲
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€5k€6k▲
Plant, machinery and equipment23€1k€388▼
Furniture and vehicles24€3k€5k▲
Other tangible fixed assets26€785€523▼
Financial fixed assets28€891€891=
Current assets29/58€213k€214k▲
Amounts receivable within one year40/41€48k€15k▼
Trade receivables40€47k€15k▼
Other amounts receivable41€1k€0▼
Current investments50/53€110k€111k▲
Cash at bank and in hand54/58€45k€84k▲
Deferred charges and accrued income490/1€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€219k€221k▲
Equity10/15€164k€159k▼
Contributions10/11€6k€6k=
Reserves13€158k€152k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€158k€152k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€55k€63k▲
Amounts payable within one year42/48€55k€63k▲
Trade debts44€28k€5k▼
Suppliers440/4€28k€5k▼
Advances received on contracts in progress46-€116
Taxes, remuneration and social security45€13k€17k▲
Taxes450/3€13k€17k▲
Other amounts payable47/48€14k€41k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€458€727▲
Gross operating margin9900€30k€50k▲
Operating profit (loss)9901€28k€47k▲
Financial income75/76B€641€2k▲
Recurring financial income75€641€2k▲
Financial charges65/66B€144€757▲
Recurring financial charges65€144€757▲
Profit (loss) for the period before taxes9903€28k€48k▲
Income taxes67/77€9k€14k▲
Profit (loss) for the period9904€19k€34k▲
Profit (loss) for the period to be appropriated9905€19k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€34k▲
Transfer from equity791/2€10k€40k▲
Transfer to equity691/2€19k€34k▲
To other reserves6921€19k€34k▲
Profit to be distributed694/7€10k€40k▲
Return on contributions (dividend)694€10k€40k▲
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €34k ▲75%
Operating result €47k, net result €34k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Equity above €150kEq €155k ▲13.7%
3 profitable years in a row build equity to €155k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-208 ▼101%
Net result drops to €-208, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.49
Current ratio from 3.41 to 9.49; short-term debt falls from €48k to €15k.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
23-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 84 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Grimbergen · 1 establishment unit since 2011
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.
Borgtstraat 981850 GrimbergenGround area
806 m²
Building footprint
119 m²
Volume, LiDAR
628 m³
Parcel 23403H0108/00K007, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ThoLoRo
since 20112.205.263.326
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23403H0108/00K007 | Flanders | 806 m² | 1 · 119 m² | 8.3 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.
Similar companies · same sector, comparable size
DHANDHO
BE 0649.660.963
Brussel · Eq €159k
Alice
BE 0774.516.690
Antwerpen · Eq €158k
COWNECTED
BE 0688.944.280
Vorst · Eq €159k
OLIXIS
BE 0803.720.521
Herve · Eq €159k
VAGSTUDIO
BE 0849.142.156
Brussel · Eq €158k
Of 16,803 companies in sector 62100 we hold annual accounts for 8,744. 6,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.