Equity
€436,842 from €1.1m in 2023
Equity fell by 61% in 2 years.
T.B.M.
Lifetime
19 annual accounts with figures on one time axis, 21 filings since 2005peak €231,224 (2024)
€66,479▼ 71.2%
lowest -€726,752 (2024)
€43,141▲ €769,894
peak €1.1m (2023)
€436,842▲ 11.0%
€21,000▲ 235%
peak 0 FTE (2024)
0 FTE
Board6 names since 2022
2 directorsPERMONTI and 1 other
Owners2 names in the annual accounts
100%PERMONTI
Documentsfilings and deeds
31-03-2026on the last day
2025abbreviated format
Gross margin from €231,224 to €66,479Back to profit: €43,141Debts from €6,267 to €21,000
Key points
from the 2025 annual accountsResult
€43,141 €43,141
Back in profit in 2025, after a loss of €726,752 in 2024.
Turnover
≈ €190,000 estimated
The abbreviated format states no turnover.
Filings
21 annual accounts since 2005
The last five annual accounts were filed 0 to 113 days before the end of the period.
At the same address
10 companies
Board
2 joined · 1 left
Board changed. Latest change 27-08-2026 · 3 in office.
Checked score
91
Excellent
Financially stronger than 70% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.2%▲ +0.1 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.3%▲ +0.1 percentage points vs 02-2025
04-2025: 0.5%▲ +0.2 percentage points vs 03-2025
05-2025: 0.6%▲ +0.1 percentage points vs 04-2025highest value
06-2025: 0.6%● unchanged vs 05-2025highest value
07-2025: 0.6%● unchanged vs 06-2025highest value
08-2025: 0.6%● unchanged vs 07-2025highest value
09-2025: 0.2%▼ -0.4 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.3%▲ +0.1 percentage points vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.2 percentage points vs 03-2026
05-2026: < 0.1%▼ -0.5 percentage points vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.2%▲ +0.2 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Size: total assets €457,842
Figures for financial year 2025 (filed on 05-04-2026)
Equity €436,842 (95.4% of total assets)
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 81% of them on solvency, 67% on liquidity, 63% on profitability and 69% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-08-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 20,137 companies had the same profile as T.B.M. has now. Each dot stands for 51 companies, two years later.
95.0%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of T.B.M. itself: 0.2% 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 20,137 companies, not a prediction for T.B.M.. 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 €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 19.13, above the usual 1.5. Short-term debt is 2.8% and cash 17.5% of total assets. 4.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 31-03-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
3 days early
2023
6 days early
2022
113 days early
2021
48 days early
2020
3 days early
2019
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 32 days before 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 financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 27 March (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-08-2026 year end10-11-2026 today31-03-2027 deadline
Recent changes
Left the Peppol Directory
Registered office moved within Nazareth-De Pinte
New registered office: 's Gravendreef 24, 9810 Nazareth-De Pinte (België) · Previous registered office: Gaversepontweg 23 bus B, 9810 Nazareth-De Pinte (België) · Resignations: PERMONTI BV (director) and Bernadette SURMONT (director) · Gazette deed
Environmental permit granted
Nieuwbouw van bijgebouwen en niet overdekte lage constructie · Nazareth-De Pinte
Registered office moved within Nazareth
New registered office: Gaversepontweg 23B, 9810 Nazareth · Previous registered office: 's Gravendreef 24, 9810 Nazareth · Board meeting of 21-06-2023 · Gazette deed
Official details
Source: KBO- Status
- Active since 06-10-2004Normal situation
- Registered office
- 11 active companies are registered at this addressSource: KBO register, as of 10 November 2026.
- Activity
- “De vennootschap heeft tot doel de kleinhandel in textielartikelen, confectieartikelen en aanverwante producten; de…” (deed in Dutch)From the articlesNo NACE code in the KBO yet
- Establishment unit
- 2.144.060.0869810 Nazareth-De Pinte, since 16-12-2004
- Financial year end
- 31 August
- Peppol
- Left the register on 13-10-2026
Annual accounts to 31-08-2025
- €457,842▲ 14.5%
- Filing
- Filed on 31-03-2026, on the last day of the filing period
Insights on T.B.M.
T.B.M. files the abbreviated format. That format states no turnover. The gross margin rose from €31,084 in 2007 to €66,479 in 2025.
PERMONTI holds all the shares.
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 T.B.M.
- What is the company number of T.B.M.?
- The company number of T.B.M. is 0867.839.501. The VAT number is the same number with BE in front: BE 0867.839.501.
- Where is T.B.M. based?
- The registered office is at 's Gravendreef 24, 9810 Nazareth-De Pinte.Company details
- What is the legal form of T.B.M.?
- T.B.M. is a private limited company (BV).
- When was T.B.M. founded?
- T.B.M. was founded on 06-10-2004.
- Is T.B.M. still active?
- Yes, T.B.M. is an active enterprise in the KBO register.
- What is the turnover of T.B.M.?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €66,479 and 1,300 comparable companies of the same size. It probably lies between €110,000 and €360,000. It is a rough estimate.Financials
- Is T.B.M. profitable?
- In financial year 2025, T.B.M. made a profit of €43,141.
- Where can I find the annual accounts of T.B.M.?
- T.B.M. filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of T.B.M. due?
- T.B.M. must file the annual accounts for financial year 2026 by 31-03-2027.Timeline
Next steps
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