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Timo

Active
Public limited companyfounded 198838 yrs activeMichielssendreef 3, 2930 Brasschaat, BelgiumKBO/BCE: BE 0434.259.003
Summary

Timo has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €801,498 and a net result of €34,252. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 31% of 3636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
TimoActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220NACE 74142
1 site
Size
€2.6mtotal assets 2025
Equity
€801,498
Profit
€34,252
Financial health
89 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Holdings
1
Accounts filed 35 d late0 of 9 deeds read
Why 89- Latest accounts 35 days late; 2 of the last 3 late- Liquidity: current ratio 0.32, cash €11,855, halved+ Size: total assets €2.6m+ Founded in 1988Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Better than 29% of its sector peers (NACE 70, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 56+1
equity 30.9% of total assets
Liquidity 38-3
short-term debt 30.5% · cash 0.5%
Profitability 20+1
return on assets 1.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (4,507 companies)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● 0.0% vs 11-2024 01-2025: 0.4%● 0.0% vs 12-2024 02-2025: 0.4%● 0.0% vs 01-2025 03-2025: 0.5%▲ +0.7% vs 02-2025 04-2025: 0.4%▼ -2.4% vs 03-2025 05-2025: 0.4%▲ +0.2% vs 04-2025 06-2025: 0.5%▲ +10.7% vs 05-2025 07-2025: 0.6%▲ +19.9% vs 06-2025 08-2025: 0.8%▲ +42.4% vs 07-2025 09-2025: 0.9%▲ +11.8% vs 08-2025 10-2025: 1.2%▲ +30.9% vs 09-2025 11-2025: 1.3%▲ +3.1% vs 10-2025highest value 12-2025: 0.1%▼ -90.9% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%▲ +0.9% vs 01-2026 03-2026: 0.1%▲ +24.1% vs 02-2026 04-2026: 0.2%▲ +4.2% vs 03-2026 05-2026: 0.2%▲ +8.0% vs 04-2026 06-2026: 0.2%▲ +5.6% vs 05-2026 07-2026: 0.2%▲ +15.8% vs 06-2026 08-2026: 0.4%▲ +80.3% vs 07-2026 09-2026: 0.4%▲ +23.0% vs 08-2026 10-2026: 0.1%▼ -69.9% vs 09-2026
  • Latest accounts 35 days late; 2 of the last 3 late raises the probability
  • Size: total assets €2.6m lowers the probability for this profile
  • Liquidity: current ratio 0.32, cash €11,855, halved raises the probability
  • Founded in 1988 lowers the probability for this profile
Credit up to €70,000 at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.37 in 2024; short-term debt: 30.5% and cash: 0.5% of total assets), and 69.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, small). Better than this share of them on solvency 31%, liquidity 23%, profitability 10%, growth against the median 51%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 35 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €2.6m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.32, cash €11,855, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1988
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 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 filings
Deviation from the deadline
2025
35 d late
2024
119 d late
2023
28 d late
2022
52 d late
2021
134 d late
2020
11 d early
2019
68 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 61 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 21 September (4 of the last 5 filed years within 67 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. General meeting · Director appointmentPermanent representative · Director resignation
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: 8 profitable years in a rowprofit 2025: €34,252 8 years View
  • Active since 1988founded 25-04-1988 38 years View
  • Total assets 20256 fiscal years filed €2.6m View

By topic

Financials

Fiscal year
2025
Total assets
€2.6m
Profit
€34,252
Solvency
30.9%
Total assets▲ 0.4%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 04-09-2026Annual accounts filed
  2. 31-07-2026General meeting · Director appointment
  3. 27-11-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Business and other management consultancyNACE 70200
Founded
25-04-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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