DE TIP
ActiveSummary
DE TIP has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €588,112 and a net result of €87,206. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 10429 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+3
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 4.27 against 4.57 in 2024; short-term debt: 22.5% and cash: 64.3% of total assets), and 22.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
77.5%
Return on assets
11.5%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 14-10-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
8 d early
2023
27 d early
2022
6 d early
2021
31 d early
2020
8 d early
2019
1 d early
← 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 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close26-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€588,112▼ 5.2%
2024 · €620,339
Total assets
€758,536▼ 3.2%
2024 · €783,818
Net result
€87,206▲ 23.9%
2024 · €70,375
Working capital
€556,752▼ 4.7%
2024 · €584,044
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€189,816▲ 14.0%€171,265▼ 9.8%€134,976▼ 21.2%€91,300▼ 32.4%€112,560▲ 23.3%
Net result€140,617▲ 17.7%€124,104▼ 11.7%€97,651▼ 21.3%€70,375▼ 27.9%€87,206▲ 23.9%
Equity€539,324▲ 9.2%€633,428▲ 17.4%€670,230▲ 5.8%€620,339▼ 7.4%€588,112▼ 5.2%
Total assets€705,746▲ 20.1%€724,743▲ 2.7%€752,919▲ 3.9%€783,818▲ 4.1%€758,536▼ 3.2%
Debt€166,422▲ 77.1%€91,315▼ 45.1%€82,688▼ 9.4%€163,479▲ 97.7%€170,423▲ 4.2%
Working capital€482,497▲ 14.4%€583,781▲ 21.0%€624,739▲ 7.0%€584,044▼ 6.5%€556,752▼ 4.7%
Staff (FTE)3=2.7▼ 10.0%3▲ 11.1%3=1.9▼ 36.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €758,536
Fixed assets
€31,360 ▼ 13.6%
Current assets
€727,175 ▼ 2.7%
Equity and liabilities €758,536
Equity
€588,112 ▼ 5.2%
Debt
€170,423 ▲ 4.2%
Debt's share of the balance-sheet total rises from 20.9% to 22.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€120,649▲
2024 · €100,496
Cash flow
€95,295▲
2024 · €79,571
Current ratio
4.27▼
2024 · 4.57
Quick ratio
3.69▼
2024 · 3.94
Debt to equity
0.29▲
2024 · 0.26
ROE
14.8%▲
2024 · 11.3%
ROA
11.5%▲
2024 · 9.0%
Interest coverage
395.95▼
2024 · 2204.34
Debt ≤ 1 year
€170,423▲
2024 · €163,479
Income taxes
€34,446▲
2024 · €26,786
Staff costs
€56,819▼
2024 · €96,746
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €102,786 | €116,734 | €96,746 | €56,819 | ▼ 41.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,509 | €14,253 | €13,812 | €9,196 | €8,089 | ▼ 12.0% |
| Other operating charges640/8 | - | €1,580 | €1,500 | €1,728 | €1,770 | ▲ 2.4% |
| Non-recurring operating charges66A | - | €239 | €251 | €2,903 | €0 | ▼ 100% |
| Gross operating margin9900 | €297,042 | €290,123 | €267,272 | €201,873 | €179,238 | ▼ 11.2% |
| Operating profit (loss)9901 | €189,816 | €171,265 | €134,976 | €91,300 | €112,560 | ▲ 23.3% |
| Financial income75/76B | - | €4,850 | €4,495 | €5,907 | €9,396 | ▲ 59.1% |
| Recurring financial income75 | €6,825 | €4,850 | €4,495 | €5,907 | €9,396 | ▲ 59.1% |
| Financial charges65/66B | - | €282 | €300 | €46 | €305 | ▲ 568% |
| Recurring financial charges65 | €16 | €282 | €300 | €46 | €305 | ▲ 568% |
| Profit (loss) for the period before taxes9903 | €196,624 | €175,834 | €139,171 | €97,161 | €121,652 | ▲ 25.2% |
| Income taxes67/77 | €56,008 | €51,729 | €41,521 | €26,786 | €34,446 | ▲ 28.6% |
| Profit (loss) for the period9904 | €140,617 | €124,104 | €97,651 | €70,375 | €87,206 | ▲ 23.9% |
| Profit (loss) for the period to be appropriated9905 | €140,617 | €124,104 | €97,651 | €70,375 | €87,206 | ▲ 23.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €705,746 | €724,743 | €752,919 | €783,818 | €758,536 | ▼ 3.2% |
| Fixed assets21/28 | €60,130 | €49,648 | €45,491 | €36,295 | €31,360 | ▼ 13.6% |
| Tangible fixed assets22/27 | €59,767 | €49,285 | €45,128 | €35,932 | €30,997 | ▼ 13.7% |
| Plant, machinery and equipment23 | - | €43,488 | €42,439 | €34,540 | €26,641 | ▼ 22.9% |
| Furniture and vehicles24 | - | €2,650 | €420 | €0 | - | - |
| Other tangible fixed assets26 | - | €3,147 | €2,270 | €1,393 | €4,357 | ▲ 213% |
| Financial fixed assets28 | €363 | €363 | €363 | €363 | €363 | = |
| Current assets29/58 | €645,616 | €675,096 | €707,428 | €747,523 | €727,175 | ▼ 2.7% |
| Stocks and contracts in progress3 | €134,820 | €161,645 | €135,957 | €103,865 | €97,550 | ▼ 6.1% |
| Stocks30/36 | - | €161,645 | €135,957 | €103,865 | €97,550 | ▼ 6.1% |
| Amounts receivable within one year40/41 | €87,033 | €56,711 | €165,589 | €176,498 | €141,214 | ▼ 20.0% |
| Trade receivables40 | - | €13,002 | €97,940 | €73,900 | €12,010 | ▼ 83.7% |
| Other amounts receivable41 | - | €43,709 | €67,648 | €102,598 | €129,204 | ▲ 25.9% |
| Cash at bank and in hand54/58 | €423,557 | €456,524 | €405,882 | €467,159 | €487,933 | ▲ 4.4% |
| Deferred charges and accrued income490/1 | - | €215 | €0 | - | €478 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €705,746 | €724,743 | €752,919 | €783,818 | €758,536 | ▼ 3.2% |
| Equity10/15 | €539,324 | €633,428 | €670,230 | €620,339 | €588,112 | ▼ 5.2% |
| Contributions10/11 | - | €21,000 | €21,000 | €21,000 | €21,000 | = |
| Reserves13 | €518,324 | €612,428 | €649,230 | €599,339 | €567,112 | ▼ 5.4% |
| Non-distributable reserves130/1 | - | €2,100 | €2,100 | €0 | - | - |
| Reserves not available under the articles1311 | - | €2,100 | €2,100 | €0 | - | - |
| Distributable reserves133 | - | €610,328 | €647,130 | €599,339 | €567,112 | ▼ 5.4% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €166,422 | €91,315 | €82,688 | €163,479 | €170,423 | ▲ 4.2% |
| Amounts payable within one year42/48 | €163,119 | €91,315 | €82,688 | €163,479 | €170,423 | ▲ 4.2% |
| Trade debts44 | €43,908 | €41,958 | €46,645 | €31,161 | €26,231 | ▼ 15.8% |
| Suppliers440/4 | - | €41,958 | €46,645 | €31,161 | €26,231 | ▼ 15.8% |
| Taxes, remuneration and social security45 | - | €19,357 | €35,964 | €19,714 | €24,760 | ▲ 25.6% |
| Taxes450/3 | - | €13,780 | €18,897 | €15,552 | €10,573 | ▼ 32.0% |
| Remuneration and social security454/9 | - | €5,577 | €17,068 | €4,162 | €14,186 | ▲ 241% |
| Other amounts payable47/48 | - | €30,000 | €79 | €112,604 | €119,433 | ▲ 6.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €140,617 | €124,104 | €97,651 | €70,375 | €87,206 | ▲ 23.9% |
| + Depreciation and write-downs630 | €19,509 | €14,253 | €13,812 | €9,196 | €8,089 | ▼ 12.0% |
| Operating cash flow (approximation) | €160,125 | €138,358 | €111,463 | €79,571 | €95,295 | ▲ 19.8% |
| Investment in fixed assets (approximation) | - | -€3,772 | -€9,655 | €0 | -€3,154 | - |
| Change in cash | - | €32,967 | -€50,642 | €61,277 | €20,774 | ▼ 66.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €70,375 ▼27.9%
Net result drops to €70,375, the lowest in the series; recovery starts the following year.
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €140,617 ▲17.7%
Operating result €189,816, net result €140,617, both a record.
31-03
Financial
Equity above €500,000Eq €539,324 ▲9.2%
3 profitable years in a row build equity to €539,324.
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Bocholt · 2 establishment units since 2008
Ground area
1,907 m²
Building footprint
350 m²
Volume, LiDAR
1,781 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
DE TIP bvba
since 20082.173.730.606
De Tip
since 20082.316.738.694
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72024A1905/00G002 | Flanders | 1,645 m² | 1 · 184 m² | 8.9 m · 2 fl. |
| 72003B0669/00X002 | Flanders | 262 m² | 1 · 166 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 741 EUR awarded · 741 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 291 EUR | 291 EUR |
| 2024 | 1 | 291 EUR | 291 EUR |
| 2022 | 1 | 159 EUR | 159 EUR |
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Of 236 companies in sector 47522 we hold annual accounts for 138. 80 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-09-2008
Fiscal year end31-03
Activities, NACEBEL 2025
47522Retail trade
Scores and ratios are computed by Checked and are not a credit decision.