TOP POINT
ActiveSummary
The computed 12-month bankruptcy probability of TOP POINT is 1.5% (moderate). The 2024 annual accounts show equity of €37k and a net result of €6k. Equity is shrinking by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 15869 sector peers (fiscal year 2024). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▲+29
Solvency100▲+9
Growth51▲+17
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 4.24 against 4.19 in 2023; short-term debt: 23.5% and cash: 1.5% of total assets), and 23.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
76.5%
Return on assets
11.5%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €37k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
2 d early
2022
6 d early
2021
31 d late
2020
39 d early
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€294k▲ 2.2%
2023 · €288k
2019: €277k
2020: €185k
2021: €184k
2022: €257k
2023: €288k
2019 → 2024
EBIT margin
2.4%▲ 1.8pp
2023 · 0.6%
2019: -0.8%
2020: -5.3%
2021: -14.3%
2022: -4.5%
2023: 0.6%
2019 → 2024
Net result
€6k▲ 1,145%
2023 · €447
2018: €2k
2019: €-1k
2020: €-8k
2021: €-23k
2022: €-9k
2023: €447
2018 → 2024
Working capital
€37k▲ 2.5%
2023 · €36k
2018: €70k
2019: €69k
2020: €63k
2021: €38k
2022: €35k
2023: €36k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€185k-€184k▼ 0.5%€257k▲ 39.5%€288k▲ 12.1%€294k▲ 2.2%
Equity€63k-€40k▼ 36.2%€31k▼ 22.7%€31k▲ 1.4%€37k▲ 17.7%
Operating result€-10k-€-26k▼ 169%€-12k▲ 56.0%€2k€7k▲ 335%
Net result€-8k-€-23k▼ 195%€-9k▲ 59.9%€447€6k▲ 1,145%
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 335% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €48k
Fixed assets
€99 ▼ 76.7%
Current assets
€48k ▲ 2.1%
Equity and liabilities €48k
Equity
€37k ▲ 17.7%
Debt
€11k ▼ 30.1%
Debt's share of the balance-sheet total falls from 34.1% to 23.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▲
2023 · €2k
Cash flow
€6k▲
2023 · €1k
Current ratio
4.24▲
2023 · 4.19
Quick ratio
1.55▼
2023 · 1.61
Debt to equity
0.31▼
2023 · 0.52
ROE
15.0%▲
2023 · 1.4%
ROA
11.5%▲
2023 · 0.9%
Interest coverage
9.28▲
2023 · 2.61
Debt ≤ 1 year
€11k▲
2023 · €11k
Income taxes
€1k▲
2023 · €258
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€48k€48k▲
Fixed assets21/28€424€99▼
Tangible fixed assets22/27€325-
Plant, machinery and equipment23€325-
Financial fixed assets28€99€99=
Current assets29/58€47k€48k▲
Stocks and contracts in progress3€29k€31k▲
Stocks30/36€29k€31k▲
Amounts receivable within one year40/41€10k€17k▲
Other amounts receivable41€10k€17k▲
Current investments50/53-€14
Cash at bank and in hand54/58€7k€719▼
Deferred charges and accrued income490/1€193€196▲
Equity and liabilities
Total equity and liabilities10/49€48k€48k▲
Equity10/15€31k€37k▲
Contributions10/11€7k€7k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€22k€28k▲
Amounts payable17/49€16k€11k▼
Amounts payable after more than one year17€5k-
Other amounts payable178/9€5k-
Amounts payable within one year42/48€11k€11k▲
Financial debts43€5k€4k▼
Credit institutions430/8€5k€4k▼
Trade debts44€611€812▲
Suppliers440/4€611€812▲
Taxes, remuneration and social security45€6k€6k▲
Taxes450/3€6k€6k=
Remuneration and social security454/9-€300
Income statement
Code20232024
Turnover70€288k€294k▲
Goods, raw materials, services and sundry goods60/61€289k€292k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€750€325▼
Other operating charges640/8€548€906▲
Non-recurring operating charges66A€14-
Gross operating margin9900€3k€8k▲
Operating profit (loss)9901€2k€7k▲
Financial income75/76B-€824
Recurring financial income75-€824
Financial charges65/66B€904€788▼
Recurring financial charges65€904€788▼
Profit (loss) for the period before taxes9903€705€7k▲
Income taxes67/77€258€1k▲
Profit (loss) for the period9904€447€6k▲
Profit (loss) for the period to be appropriated9905€447€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€28k▲
Profit (loss) brought forward from the previous period14P€22k€22k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €6k ▲1,145%
Operating result €7k, net result €6k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €447
Net result €447 after 4 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Elsene · 3 establishment units since 1995
Ground area
519 m²
Building footprint
143 m²
Volume, LiDAR
1,563 m³
2 parcels, Brussels, Wallonia · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
Kroonlaan 63, 1050 Elsene
since 19952.072.708.173
Kroonlaan 63, 1050 Elsene
since 20002.072.708.470
The Village Shop
since 20262.389.078.623
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55033B0060/00V000 | Wallonia | 418 m² | 1 · 62 m² | 9.4 m · 3 fl. |
| 21443C0007/00L000 | Brussels | 101 m² | 1 · 81 m² | 18.4 m · 5 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesElsene2.072.708.470
Enghien/Edingen2.389.078.623
Similar companies · same sector, comparable size
Excellent Food Group
BE 0836.495.633
Wevelgem · Eq €36,721
DELICATESSEN VASTY
BE 0438.847.202
Roosdaal · Eq €36,244
A.S.B.
BE 0862.297.633
Mol · Eq €36,185
MAK DISTRIBUTION
BE 1024.035.631
Sint-Gillis (bij-Brussel) · Eq €35,474
U KARGULI
BE 0888.416.664
Etterbeek · Eq €39,351
Of 697 companies in sector 46392 we hold annual accounts for 483. 245 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-1995
Fiscal year end31-12
Activities, NACEBEL 2025
46392Non-specialised wholesale
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.