T&B LOCATION

Active

Private limited companyfounded 20233 yrs activeRue de la Libération 45, 4860 Pepinster, BelgiumKBO/BCE: BE 0805.372.093

The computed 12-month bankruptcy probability of T&B LOCATION is 2.2% (moderate). The 2025 annual accounts show equity of €49k and a net result of €25k. Its solvency ranks better than 72% of 1500 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability79▼-21

Solvency97▼-1

Growth85

Stability94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 4.15 against 2.21 in 2024), and 43.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 77

Relative position

BE, all sectors

reference

Sector 77

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

56.4%

Return on assets

28.6%

Age of the figures

15 mo

Filed more than 90 days late

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-05-2026, 115 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 2 filings

Deviation from the deadline

2025

115 d late

2024

104 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close15-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€275k▲ 138%

2024 · €115k

2024: €115k

2024 → 2025

EBIT margin

11.9%▼ 12.2pp

2024 · 24.1%

2024: 24.1%

2024 → 2025

Net result

€25k▲ 17.2%

2024 · €21k

2024: €21k

2024 → 2025

Working capital

€60k▲ 174%

2024 · €22k

2024: €22k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Turnover€115k-€275k▲ 138%

Equity€24k-€49k▲ 103%

Operating result€28k-€33k▲ 17.6%

Net result€21k-€25k▲ 17.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 18% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €87k

91.0%

Fixed assets €8k▲ 245%

Current assets €79k▲ 97.6%

Equity and liabilities €87k

56.4%

43.6%

Equity €49k▲ 103%

Debt €38k▲ 109%

The debt ratio rises from 42.8% to 43.6%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€37k▲

2024 · €30k

Cash flow

€29k▲

2024 · €24k

Solvency

56.4%▼

2024 · 57.2%

Current ratio

4.15▲

2024 · 2.21

Quick ratio

4.15▲

2024 · 2.21

Debt / equity

0.77▲

2024 · 0.75

ROE

50.7%▼

2024 · 87.6%

ROA

28.6%▼

2024 · 50.1%

Interest coverage

150.49▲

2024 · 20.04

Debt

€38k▲

2024 · €18k

Debt ≤ 1 year

€19k▲

2024 · €18k

Income taxes

€8k▲

2024 · €5k

Staff costs

€52k▲

2024 · €16k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€42k€87k▲

Fixed assets21/28€2k€8k▲

Tangible fixed assets22/27€2k€7k▲

Furniture and vehicles24€2k€7k▲

Financial fixed assets28€270€405▲

Current assets29/58€40k€79k▲

Amounts receivable within one year40/41€40k€62k▲

Trade receivables40€14k€742▼

Other amounts receivable41€26k€62k▲

Cash at bank and in hand54/58€193€8k▲

Deferred charges and accrued income490/1-€9k

Equity and liabilities

Total equity and liabilities10/49€42k€87k▲

Equity10/15€24k€49k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€21k€46k▲

Amounts payable17/49€18k€38k▲

Amounts payable within one year42/48€18k€19k▲

Trade debts44€6k€4k▼

Suppliers440/4€6k€4k▼

Taxes, remuneration and social security45€12k€15k▲

Taxes450/3€11k€13k▲

Remuneration and social security454/9€2k€2k▲

Accrued charges and deferred income492/3-€19k

Income statement Code20242025

Turnover70€115k€275k▲

Goods, raw materials, services and sundry goods60/61€65k€189k▲

Remuneration, social security and pensions62€16k€52k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲

Other operating charges640/8€4k€15k▲

Non-recurring operating charges66A€500€322▼

Gross operating margin9900€51k€104k▲

Operating profit (loss)9901€28k€33k▲

Financial income75/76B-€2

Recurring financial income75-€2

Financial charges65/66B€1k€245▼

Recurring financial charges65€1k€245▼

Profit (loss) for the period before taxes9903€26k€32k▲

Income taxes67/77€5k€8k▲

Profit (loss) for the period9904€21k€25k▲

Profit (loss) for the period to be appropriated9905€21k€25k▲

Appropriation of the result

Profit (loss) to be appropriated9906€21k€46k▲

Profit (loss) brought forward from the previous period14P-€21k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

26-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 115 days late

2025

15-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 104 days late

NBB filing

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, Pepinster · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Rue de la Libération 454860 Pepinster

Ground area

1,075 m²

Building footprint

139 m²

Volume, LiDAR

729 m³

Parcel 63058A0364/00L000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

T&B LOCATION

Rue de la Libération 45, 4860 PepinsterConstruction of roads and motorways

since 20232.349.213.009

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63058A0364/00L000	Wallonia	1,075 m²	1 · 139 m²	7.2 m · 2 fl.

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

Of 664 companies in sector 77320 we hold annual accounts for 489. 271 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-09-2023

Fiscal year end30-06

Activities, NACEBEL

77320Rental and leasing activities

77399Renting and leasing of other machinery, equipment and tangible goods

43120Site preparation

43230Insulation installation

43291Specialised construction activities

43350Other building finishing work

77120Rental and leasing activities

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.