Summary
Conclusion
the dossier summarised in one paragraphT&A Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €39.99M and a net result of €83k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 52% of 678 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-08-2025, 1 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 01-08-2025 | 1 d late | 2025-00355834 |
| 31-12-2023 | 31-07-2024 | 12-08-2024 | 12 d late | 2024-00350472 |
| 31-12-2022 | 31-07-2023 | 25-07-2023 | 6 d early | 2023-00273873 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€39.99M+0.2%
Net result€83k-97.8%
Total assets€84.74M-0.2%
Solvency47.2%+0.2pp
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 01-08-2025 with the NBB · fiscal year 2024 · volledig
The figures below are the statutory (non-consolidated) annual accounts. This company also files consolidated accounts; the group figures can differ substantially.
No trend projection for this company: it files both statutory and consolidated annual accounts. The statutory figures above track the parent, and they jump when activities move inside the group, not when the business grows or shrinks. A trend through such a series measures a restructuring, not a business trajectory.
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 47.2% | 44.9% | |
| Net result | €83k | €48k | |
| Equity | €39.99M | €1.36M | |
| Staff costs | €554k | €197k | |
| Employees (FTE) | 5.3 | 1.4 |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P52
Stable position over 2022-2024
· n=412-678
P57
Weakening position over 2022-2024
· n=412-677
P85
Stable position over 2022-2024
· n=412-678
P86
Stable position over 2022-2024
· n=412-678
Describes the position versus peers, not a forecast.
€83k
-97.8%
22-24
€84.74M
-0.2%
22-24
€39.99M
+0.2%
22-24
5
+26.2%
22-24
€554k
+56.1%
22-24
€35k
-31.8%
22-24
€44.75M
-0.5%
22-24
€3.55M
-13.8%
22-24
€40.60M
+1.1%
22-24
47.2%
+0.4%
22-24
0.2%
-97.8%
22-24
0.1%
-97.8%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €83k |
| Cash flow | n/a |
| Staff costs | €554k |
| Income taxes | €35k |
| Dividends | - |
| Total assets | €84.74M |
| Equity | €39.99M |
| Debt | €44.75M |
| of which ≤ 1y | €3.55M |
| of which > 1y | €40.60M |
| Working capital | n/a |
| Employees (FTE) | 5.3 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 47.2% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 0.1% |
| ROE | 0.2% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €84.74M |
| Fixed assets | 21/28 | €81.41M |
| Intangible fixed assets | 21 | €486k |
| Tangible fixed assets | 22/27 | €23k |
| Financial fixed assets | 28 | €80.90M |
| Current assets | 29/58 | €3.33M |
| Stocks & contracts in progress | 3 | €0 |
| Amounts receivable within one year | 40/41 | €2.65M |
| Cash & bank | 54/58 | €228k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €84.74M |
| Equity | 10/15 | €39.99M |
| Contributions / capital | 10/11 | €29.30M |
| Accumulated profits (losses) | 14 | €10.69M |
| Amounts payable | 17/49 | €44.75M |
| Amounts payable after one year | 17 | €40.60M |
| Amounts payable within one year | 42/48 | €3.55M |
| Trade debts payable within one year | 44 | €342k |
| Income statement | ||
| Turnover | 70 | €4.27M |
| Operating result | 9901 | €1.90M |
| Financial income | 75 | €133k |
| Financial charges | 65 | €1.91M |
| Result before taxes | 9903 | €118k |
| Income taxes | 67/77 | €35k |
| Net result for the period | 9904 | €83k |
| Result to be appropriated | 9905 | €83k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
1 directorCurrent directors & mandates
-
CVBA Vandelanotte BedrijfsrevisorenLegal entityChair· perm. rep.: Mathias RoefState Gazette act 24092632 (19-06-2024)Current19-06-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 04-02-2021 |
| Status | Active |
| Postal code | 2440 |
Structure & network
Connections & network
2 connected companiesGroup structure
We sit on their board · 1 location
→
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
2 partiesT&A HoldingBE 0762.907.077
controls
Where this company holds controlthis company sits on their board2
1 location
1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Klaus-Michael Kuehnelaan 92440 GeelEstablishment units
1 locationKlaus-Michael Kuehnelaan 9, 2440 Geel
since 20212.314.306.964
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.4 ha
Buildings1
Building footprint1.4 ha
Volume (LiDAR)72,677 m³
Tallest building8.6 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375M0234/00K002 | Flanders | 1.4 ha | 1 · 1.4 ha | 8.6 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Capital history · 2
26-07-2022
Capital change
18-05-2022
Capital change
All acts · 3
updated 2 years ago
2024
19-06-2024 Mathias Roef appointed as chair
- Mathias Roef, Voorzitter
2022
26-07-2022 Capital increase of €6,000,000
Notary:
Marc SLEDSENS · AntwerpenFirm:
Deckers notarissen
18-05-2022 Capital increase of €100,000 to €100,000
- €0 → €100.000
- Inbreng in geld · Apport en numéraire
Notary:
Veronique HULPIAU · AntwerpenFirm:
Deckers notarissen
Analysis
Snowflake analysis
financial profile on 5 axes64
/ 100
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
45
Solvency
68
Growth
50
Stability
94
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We hold annual accounts for 5,518 of the 24,684 companies in this sector. 591 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
| Legal nameNL | T&A Holding |
Registered office
Klaus-Michael Kuehnelaan 9
2440 Geel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.