Equity
€27,292 ▲ 28.9%
I - Le Tilleul has made a profit in every financial year since 2021.
I - Le Tilleul
Lifetime
5 annual accounts with figures on one time axispeak €18,619 (2025)
€18,619▲ 9.2%
peak €6,124 (2025)
€6,124▲ 21.2%
peak €27,292 (2025)
€27,292▲ 28.9%
€163,780▼ 7.3%
Board1 name since 2020
1 directorDELWART Benoît François Fabien
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Equity from €21,168 to €27,292Cash from €489 to €771
Key points
from the 2025 annual accountsChecked score
53
Fair
Financially stronger than 50% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.2%
01-2025: 4.2%● unchanged vs 12-2024
02-2025: 4.2%● unchanged vs 01-2025
03-2025: 4.2%● unchanged vs 02-2025
04-2025: 4.2%● unchanged vs 03-2025
05-2025: 4.2%● unchanged vs 04-2025
06-2025: 4.4%▲ +0.2 percentage points vs 05-2025
07-2025: 4.3%▼ -0.1 percentage points vs 06-2025
08-2025: 5.2%▲ +0.9 percentage points vs 07-2025highest value
09-2025: 2.9%▼ -2.3 percentage points vs 08-2025
10-2025: 2.9%● unchanged vs 09-2025
11-2025: 2.9%● unchanged vs 10-2025
12-2025: 2.9%● unchanged vs 11-2025
01-2026: 3.0%▲ +0.1 percentage points vs 12-2025
02-2026: 3.0%● unchanged vs 01-2026
03-2026: 3.0%● unchanged vs 02-2026
04-2026: 2.9%▼ -0.1 percentage points vs 03-2026
05-2026: 2.9%● unchanged vs 04-2026
06-2026: 3.0%▲ +0.1 percentage points vs 05-2026
07-2026: 2.9%▼ -0.1 percentage points vs 06-2026
08-2026: 3.6%▲ +0.7 percentage points vs 07-2026
09-2026: 2.4%▼ -1.2 percentage points vs 08-2026
10-2026: 2.4%● unchanged vs 09-2026lowest value
11-2026: 2.4%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
Founded in 2020
Liquidity: current ratio 0.26, cash €771
lowers risk
Size: total assets €191,072
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 25% of them on solvency, 41% on liquidity, 54% on profitability and 81% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,274 companies had the same profile as I - Le Tilleul has now. Each dot stands for 9 companies, two years later.
94.7%
were still trading
2.5%
stopped another way
2.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of I - Le Tilleul itself: 2.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,274 companies, not a prediction for I - Le Tilleul. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.26 (0.27 in 2024), below 1. Short-term debt is 6.3% and cash 0.4% of total assets. 85.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
31 days late
2024
15 days late
2023
92 days late
2022
61 days late
2021
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 5 accounts on average 46 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DELWART Benoît François Fabien founderdeed of 11-12-2020
- DUBOIS Laurence Annie founderdeed of 11-12-2020
Recent changes
Incorporation
Founders: DELWART Benoît François Fabien and DUBOIS Laurence Annie · Founding capital of €5,000, 100 shares · Appointment: DELWART Benoît François Fabien (director) · published on 11-12-2020 · Gazette deed
First establishment
Rue de Bomerée 278, Montigny-le-Tilleul
Official details
Source: KBO- Status
- Active since 09-12-2020Normal situation
- Activity
- “À la réalisation de toutes opérations immobilières pour son compte propre comprenant notamment l'achat,la…” (deed in French)From the articles, 2 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.310.669.0686110 Montigny-le-Tilleul, since 09-12-2020
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on I - Le Tilleul
I - Le Tilleul files the micro format. That format states no turnover. The gross margin rose from €12,105 in 2021 to €18,619 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about I - Le Tilleul
- What is the company number of I - Le Tilleul?
- The company number of I - Le Tilleul is 0759.612.542. The VAT number is the same number with BE in front: BE 0759.612.542.
- Where is I - Le Tilleul based?
- The registered office is at Rue de Bomerée 278, 6110 Montigny-le-Tilleul.Company details
- What is the legal form of I - Le Tilleul?
- I - Le Tilleul is a private limited company (BV).
- When was I - Le Tilleul founded?
- I - Le Tilleul was founded on 09-12-2020.
- Is I - Le Tilleul still active?
- Yes, I - Le Tilleul is an active enterprise in the KBO register.
- What is the turnover of I - Le Tilleul?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €18,619 and 6,304 comparable companies of the same size. It probably lies between €65,000 and €340,000. It is a rough estimate.Financials
- Is I - Le Tilleul profitable?
- In financial year 2025, I - Le Tilleul made a profit of €6,124.
- Where can I find the annual accounts of I - Le Tilleul?
- I - Le Tilleul filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of I - Le Tilleul due?
- I - Le Tilleul must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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