T&C
ActiveThe computed 12-month bankruptcy probability of T&C is 4.4% (elevated). The 2024 annual accounts show negative equity (€-7k) and a net result of €-46k. Its solvency ranks better than 28% of 1854 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-77
Solvency23▼-15
Growth32
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.45 against 0.55 in 2023; short-term debt: 99.9% and cash: 17.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-2.5%
Return on assets
-16.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2324
2023 to 2024 · latest year €-7k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-12-2025, 137 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 filingsDeviation from the deadline
2025
not confirmed
2024
137 d late
2023
72 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-7k
2023 · €39k
2023: €39k
2023 → 2024
Total assets
€275k▼ 6.3%
2023 · €293k
2023: €293k
2023 → 2024
Net result
€-46k
2023 · €19k
2023: €19k
2023 → 2024
Working capital
€-151k▼ 32.9%
2023 · €-114k
2023: €-114k
2023 → 2024
Multi-year overview
Available amounts per fiscal year
Line20232024Trend
Equity€39k-€-7k
Operating result€24k-€-47k
Net result€19k-€-46k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €47k after €24k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €275k
Fixed assets
€151k▼ 0.8%
Current assets
€124k▼ 12.2%
Key figures and ratios
EBITDA
€-937▼
2023 · €57k
Cash flow
€567▼
2023 · €52k
Solvency
-2.5%▼
2023 · 13.2%
Current ratio
0.45▼
2023 · 0.55
Quick ratio
0.45▼
2023 · 0.55
Debt / equity
-41.62▼
2023 · 6.56
ROA
-16.6%▼
2023 · 6.4%
Interest coverage
-1.50▼
2023 · 714.96
Debt
€282k▲
2023 · €255k
Debt ≤ 1 year
€275k▲
2023 · €255k
Income taxes
€-2k▼
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€293k€275k▼
Fixed assets21/28€152k€151k▼
Tangible fixed assets22/27€152k€151k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€138k€140k▲
Current assets29/58€141k€124k▼
Amounts receivable within one year40/41€72k€22k▼
Trade receivables40€60k€17k▼
Other amounts receivable41€13k€5k▼
Cash at bank and in hand54/58€69k€49k▼
Deferred charges and accrued income490/1-€53k
Equity and liabilities
Total equity and liabilities10/49€293k€275k▼
Equity10/15€39k€-7k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€19k€-27k▼
Amounts payable17/49€255k€282k▲
Amounts payable within one year42/48€255k€275k▲
Trade debts44€20k€17k▼
Suppliers440/4€20k€17k▼
Advances received on contracts in progress46-€56k
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€10k€3k▼
Other amounts payable47/48€225k€199k▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€46k▲
Other operating charges640/8-€300
Gross operating margin9900€57k€-637▼
Operating profit (loss)9901€24k€-47k▼
Financial income75/76B€0€76▲
Recurring financial income75€0€76▲
Financial charges65/66B€80€626▲
Recurring financial charges65€80€626▲
Profit (loss) for the period before taxes9903€24k€-48k▼
Income taxes67/77€5k€-2k▼
Profit (loss) for the period9904€19k€-46k▼
Profit (loss) for the period to be appropriated9905€19k€-46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-27k▼
Profit (loss) brought forward from the previous period14P-€19k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 72 days late
NBB filing
Directors · office · real estate
Directors
2 acts for this company are 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, Brussel · 1 establishment unit since 2022
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.
Hallenstraat 231000 BrusselGround area
106 m²
Building footprint
106 m²
Volume, LiDAR
2,280 m³
Parcel 21812N0691/00E003, Brussels · tallest building 23.8 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
T&C
since 20222.338.167.677
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N0691/00E003 | Brussels | 106 m² | 1 · 106 m² | 23.8 m · 7 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.
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AVA INDUSTRIALS
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CHAMBRES d'O
BE 0546.987.354
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PRODESIGN
BE 0479.628.970
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Autobedrijf WALCAR
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Of 1,858 companies in sector 55204 we hold annual accounts for 450. 336 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2022
Fiscal year end31-12
Activities, NACEBEL
55204Guest rooms (bed and breakfast)
55100Hotels and similar accommodation
55203Holiday cottages, homes and apartments
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.