TTO Advisory
ActiveSummary
TTO Advisory has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €196k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 69% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+64
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 1.13 in 2024; short-term debt: 23.7% and cash: 22.7% of total assets), and 27.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
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
72.4%
Return on assets
65.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €217k
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 27-03-2026, 126 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
126 d early
2024
51 d early
2023
69 d early
2022
41 d early
2021
44 d early
2020
57 d early
2019
38 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€217k▲ 894%
2024 · €22k
2018: €185k
2019: €284k
2020: €9k
2021: €22k
2022: €22k
2023: €22k
2024: €22k
2018 → 2025
Total assets
€300k▲ 15.7%
2024 · €259k
2018: €250k
2019: €332k
2020: €475k
2021: €206k
2022: €227k
2023: €236k
2024: €259k
2018 → 2025
Net result
€196k▼ 1.9%
2024 · €199k
2018: €102k
2019: €98k
2020: €123k
2021: €144k
2022: €184k
2023: €188k
2024: €199k
2018 → 2025
Working capital
€151k▲ 456%
2024 · €27k
2018: €161k
2019: €269k
2020: €6k
2021: €31k
2022: €31k
2023: €34k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k▲ 0.4%€22k=€22k▲ 0.4%€217k▲ 894%
Operating result€189k-€242k▲ 28.2%€247k▲ 2.0%€257k▲ 4.3%€257k▼ 0.2%
Net result€144k-€184k▲ 28.0%€188k▲ 2.1%€199k▲ 5.8%€196k▼ 1.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€78k ▲ 356%
Current assets
€222k ▼ 8.4%
Equity and liabilities €300k
Equity
€217k ▲ 894%
Debt
€83k ▼ 65.2%
Debt's share of the balance-sheet total falls from 91.6% to 27.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€260k▲
2024 · €259k
Cash flow
€198k▼
2024 · €201k
Current ratio
3.12▲
2024 · 1.13
Debt to equity
0.38▼
2024 · 10.86
ROE
89.9%▼
2024 · 911.0%
ROA
65.1%▼
2024 · 76.8%
Interest coverage
2201.99▼
2024 · 4708.61
Debt ≤ 1 year
€71k▼
2024 · €215k
Income taxes
€63k▲
2024 · €61k
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 · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€259k€300k▲
Fixed assets21/28€17k€78k▲
Tangible fixed assets22/27€17k€18k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€14k€16k▲
Other tangible fixed assets26€546€480▼
Financial fixed assets28€200€60k▲
Current assets29/58€242k€222k▼
Amounts receivable within one year40/41€98k€101k▲
Trade receivables40€97k€96k▼
Other amounts receivable41€1k€4k▲
Current investments50/53€85k€50k▼
Cash at bank and in hand54/58€56k€68k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€259k€300k▲
Equity10/15€22k€217k▲
Contributions10/11€19k€19k=
Reserves13€2k€197k▲
Distributable reserves133€2k€197k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€238k€83k▼
Amounts payable within one year42/48€215k€71k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€19k€15k▼
Taxes450/3€19k€15k▼
Other amounts payable47/48€195k€55k▼
Accrued charges and deferred income492/3€22k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€841€709▼
Gross operating margin9900€260k€260k▲
Operating profit (loss)9901€257k€257k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€55€118▲
Recurring financial charges65€55€118▲
Profit (loss) for the period before taxes9903€260k€258k▼
Income taxes67/77€61k€63k▲
Profit (loss) for the period9904€199k€196k▼
Profit (loss) for the period to be appropriated9905€199k€196k▼
Appropriation of the result
Profit (loss) to be appropriated9906€201k€197k▼
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer to equity691/2-€196k
To other reserves6921-€196k
Profit to be distributed694/7€199k€0▼
Return on contributions (dividend)694€199k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 3.12
Current ratio from 1.13 to 3.12; short-term debt falls from €215k to €71k.
31-12
Financial
Equity above €200kEq €217k ▲894%
8 profitable years in a row build equity to €217k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €199k ▲5.8%
Operating result €257k, net result €199k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €98k ▼3.4%
Net result drops to €98k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €284k ▲52.9%
2 profitable years in a row build equity to €284k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Meise · 1 establishment unit since 2017
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.
Kardinaal Sterckxlaan 121860 MeiseGround area
2,269 m²
Building footprint
269 m²
Parcel 23093G0012/00A002, Flanders. Linked by address, not a title deed.
1 establishment unit
TTO Advisory
since 20172.262.790.660
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23093G0012/00A002 | Flanders | 2,269 m² | 1 · 269 m² | - |
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
Painblanc Consult
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SR2L
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PEAK MANAGEMENT
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SPICYIT
BE 0878.317.974
Watermaal-Bosvoorde · Eq €217,348
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,508 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
Founded22-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
70100Activities of head offices
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.