Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 53 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
TW-HOME from Kalmthout, company number BE0863635837, closed financial year 2025 with a result of € -37,264 after tax. For that financial year TW-HOME recorded a gross margin of € -7,324 and equity of € 124,502. Compared with financial year 2024, the result moved from € -53,451 to € -37,264. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 124,502
▼ 23% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -37,264
▲ 30 % less loss than in 2024
Profit after tax over the fiscal year.
€ 35,291
▼ 7% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 112,102.
People and assets in 2025
€ 8,323
▼ 65% vs 2024
Of which on lease € 8,323.
Debts at end 2025
€ 59,564
▲ 11% vs 2024
Loans from banks and other lenders, long and short.
€ 66,188
▼ 77% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,295
▼ 57% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 112,989 | € 28,941 | € 6,632 | € -7,324 | ▼ € 13,956 |
| Profit after taxes | € 48,537 | € -18,613 | € -53,451 | € -37,264 | ▲ € 16,188 |
| Equity | € 284,230 | € 215,217 | € 161,766 | € 124,502 | ▼ 23% |
| Total debts | € 337,354 | € 274,800 | € 368,143 | € 146,885 | ▼ 60% |
| Cash | € 41,469 | € 248,799 | € 37,795 | € 35,291 | ▼ 7% |
| Land & buildings | € 348,491 | € 117,011 | € 155,217 | € 132,687 | ▼ 15% |
| Retained profit | € 271,830 | € 202,817 | € 149,366 | € 112,102 | ▼ 25% |
| Dividend | € 0 | € 50,400 | € 0 | € 0 | |
| Bank debt | € 140,066 | € 89,018 | € 53,619 | € 59,564 | ▲ 11% |
| Balance sheet total | € 621,584 | € 490,017 | € 529,909 | € 271,387 | ▼ 49% |
Key figures of TW-HOME, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to TW-HOME?
What happened at TW-HOME in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 37,264. Source: NBB ↗
- New establishment in Kalmthout. KBO
- Eva Wellens became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Kalmthout. KBO
- Olivier Ratinckx became a director. NBB
In short
From € 48,537 profit in 2022 to € 37,264 loss in 2025.
Paid € 21,230 in corporate taxes since 2022.
Best year ever: 2022, with € 48,537 profit.
Paid out € 50,400 in dividends to the owners in total.
A new publication or filing at TW-HOME? We notify you, reason included.
Follow TW-HOMEDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind TW-HOME are Eva Wellens and Olivier Ratinckx.
Directors
According to the 2025 annual accounts
Eva Wellens
Director
since 2005
Olivier Ratinckx
Director
since 2004
Establishments
Establishment units
Physical locations of this company
Putsesteenweg (C) 9
2920 Kalmthout
Withoeflei (Heide) 2 box 1
2920 Kalmthout
Active since 1 September 2014
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0863.635.837
- VAT number
- BE 0863.635.837
- Registered office
- Putsesteenweg (C) 9, 2920 Kalmthout
- Names & denominations
- TW-HOME
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 February 2004
- Peppol
- Active · Active since 18 Dec 2025
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Overige adviesbureaus op het gebied van bedrijfsvoering en beheer
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
Groothandel in uurwerken en sieraden
Groothandel in niet-elektrische huishoudelijke artikelen
Groothandel in horloges en uurwerken, artikelen van edele metalen en sieraden
Groothandel in meubels, niet-elektrische huishoudapparaten en vloerbedekking inclusief tapijten