Time Savior · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Time Savior is 0.7% (low). The 2023 annual accounts show equity of €35k and a net result of €32k. The company has been active since 2023 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-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	01-07-2025	30 d early	2025-00227232
31-12-2023	31-07-2024	05-07-2024	26 d early	2024-00227918

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 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

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 everyone

0.7% Low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: weaker 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€32k

Working capital€35k

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 01-07-2025 with the NBB · fiscal year 2024 · micro

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€41k
Net profit	€32k
Cash flow	€33k
Staff costs	-
Income taxes	€8k
Dividends	-
Total assets	€54k
Equity	€35k
Debt	€18k
of which ≤ 1y	€18k
of which > 1y	-
Working capital	€35k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	2.90
Quick ratio	2.90
Working capital ratio	64.4%
Solvency	66.1%
Debt / equity	0.51
Long-term debt ratio	-
Interest coverage	22435.82
Gross margin	-
Net margin	-
ROA	60.4%
ROE	91.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €957 · 1.8% Current assets €53k · 98.2%

Equity & liabilities

Equity €35k · 66.1% Debt €18k · 33.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€54k
Fixed assets	21/28	€957
Tangible fixed assets	22/27	€957
Current assets	29/58	€53k
Amounts receivable within one year	40/41	€21k
Cash & bank	54/58	€32k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€54k
Equity	10/15	€35k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€32k
Amounts payable	17/49	€18k
Amounts payable within one year	42/48	€18k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€41k
Operating result	9901	€41k
Financial income	75	€171
Financial charges	65	€2
Result before taxes	9903	€41k
Income taxes	67/77	€8k
Net result for the period	9904	€32k
Result to be appropriated	9905	€32k

Ratios computed by Checked.

Health barometer

FY 2023 · computed

93 / 100 Excellent

050100

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 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Kerktorenstraat 261831 Machelen (Brab.)

Establishment units

1 location

Time Savior

Kerktorenstraat 26, 1831 Machelen (Brab.)Reproductie vanaf een origineel van programmatuur en gegevens op schijven, compactdiscs, banden of cassettes

since 20232.345.062.003

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area129 m²

Buildings1

Building footprint31 m²

Volume (LiDAR)139 m³

Tallest building9.1 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23015C0187/00R000	Flanders	129 m²	1 · 31 m²	9.1 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

93 / 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 93

Profitability 100

Solvency 100

Growth -

Stability 79

Ask AI about this company

Checked AI

Soon: 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 soon

AI due-diligence brief

Checked AI

Generate 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