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T&C BELGIUM

Active
Public limited companyfounded 2018active for 8 yearsJozef Plateaustraat 33, 9000 Gent, BelgiumKBO/BCE: BE 0700.464.021
Summary

T&C BELGIUM has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,467 and a net result of -€6,428. Equity has been shrinking by about 25% per year since 2018. If that trend continues, it turns negative around financial year 2026. Its solvency ranks better than 21% of 5,039 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Overview

Official details

Source: KBO
Status
Active since 25-07-2018 Normal situation
Activity
Retail trade NACE 47713and 1 other
Joint committee
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2021
Establishment unit
2.277.957.304 2000 Antwerpen, since 27-07-2018
Financial year end
31 December
Peppol
Reachable since 16-12-2025

Board and ownership

Board
  • Zannier EmilieDirector · since 25-07-2018
Shareholders
  • T&C Nederlandannual accounts 2022
  • T&C SASannual accounts 2022

Financial position

63 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.3%
Annual accounts 2025
Gross margin
€99,896
▲ 88.7%
Turnover
≈ €490,000
estimated
Loss
€6,428
▼ 87.8%
Equity
€23,467
▼ 21.5%
Total assets
€228,560
▲ 19.4%
Employees on 31-12-2025
1
=
  • 2025 accounts filed 31 days after the deadline
Score breakdownraises riskEquity €23,467 (10.3% of total assets)Last filed accounts filed 31 days late; 1 of the last 3 accounts lateSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 0.85, cash €64,737Show the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 28% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 35-6
equity 10.3% of total assets
Liquidity 36-8
short-term debt 89.7% · cash 28.3%
Profitability 42+42
return on assets -2.8%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.6% 01-2025: 0.6%● unchanged vs 12-2024lowest value 02-2025: 0.6%● unchanged vs 01-2025lowest value 03-2025: 0.6%● unchanged vs 02-2025lowest value 04-2025: 0.7%▲ +0.1 percentage points vs 03-2025 05-2025: 0.7%● unchanged vs 04-2025 06-2025: 0.7%● unchanged vs 05-2025 07-2025: 0.7%● unchanged vs 06-2025 08-2025: 1.3%▲ +0.6 percentage points vs 07-2025 09-2025: 1.3%● unchanged vs 08-2025 10-2025: 1.3%● unchanged vs 09-2025 11-2025: 1.3%● unchanged vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.4%▲ +0.1 percentage points vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026 06-2026: 1.4%● unchanged vs 05-2026 07-2026: 1.5%▲ +0.1 percentage points vs 06-2026 08-2026: 2.2%▲ +0.7 percentage points vs 07-2026highest value 09-2026: 1.3%▼ -0.9 percentage points vs 08-2026 10-2026: 1.3%● unchanged vs 09-2026 11-2026: 1.3%● unchanged vs 10-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.85 (0.95 in 2024), below 1. Short-term debt is 89.7% and cash 28.3% of total assets. 89.7% of the assets are financed with debt and provisions.
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 (NACE 47, micro). It does better than 27% of them on solvency, 33% on liquidity, 31% on profitability and 19% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Equity €23,467 (10.3% of total assets)
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 0.85, cash €64,737
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€6,428
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 5039 sector peers (2025).
NBB · sector comparison
Position among 5039 sector peers
Solvency
better than 21%
← weakest strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filings
Deviation from the deadline
2025
31 days late
2024
9 days early
2023
34 days early
2022
4 days early
2021
23 days early
2020
47 days early
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 8 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed 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 22 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 8 loss-making years in a rowloss in financial year 2025 -€6,428 View
  • Caution: Less equity than 85% of companies in retail tradesector median €447,349 · 5,040 companies €23,467 View

Recent changes

  1. · Gazette deed Incorporation
All 10 events

Comparable companies

These companies have the same main activity as T&C BELGIUM: retail trade (NACE 47713). They are comparable in size and age: total assets between €174,000 and €299,000, founded between 2008 and 2020.

CompanyTotal assetsGross margin
T&C BELGIUM Gent€228,560€99,896
Bonnie P Gent€193,574€55,162
DELPHINE B Grimbergen€173,858€102,493
ODILLE Torhout€299,006€73,875
Nxt Steps Sint-Truiden€291,305€115,384
SUSSUDIO Dilbeek€240,896€111,323
OYSTER Antwerpen€233,890€98,492
Full comparison

Key facts about T&C BELGIUM

What is the company number of T&C BELGIUM?
The company number of T&C BELGIUM is 0700.464.021. The VAT number is the same number with BE in front: BE 0700.464.021.
Where is T&C BELGIUM based?
The registered office is at Jozef Plateaustraat 33, 9000 Gent.Company details
What does T&C BELGIUM do?
According to the KBO register, the main activity is retail trade (NACE 47713).
What is the legal form of T&C BELGIUM?
The legal form of T&C BELGIUM is Public limited company (NV).
When was T&C BELGIUM founded?
T&C BELGIUM was founded on 25-07-2018.
Is T&C BELGIUM still active?
Yes, T&C BELGIUM is an active enterprise in the KBO register.
How many employees does T&C BELGIUM have?
T&C BELGIUM had an average of 1.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does T&C BELGIUM fall under?
In its 2021 annual accounts, T&C BELGIUM states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of T&C BELGIUM?
The turnover in financial year 2025 is ≈ €490,000. This figure is estimated from the gross margin of €99,896 and 73 comparable companies (NACE 477). It probably lies between €240,000 and €700,000. In financial year 2019 turnover was €250,123.
Is T&C BELGIUM profitable?
In financial year 2025, T&C BELGIUM made a loss of €6,428.
Where can I find the annual accounts of T&C BELGIUM?
T&C BELGIUM filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of T&C BELGIUM due?
T&C BELGIUM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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