T&C IMMO
ActiveT&C IMMO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €6k. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-53
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.25 against 4.78 in 2024), and 10.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.9%
Return on assets
8.4%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
43 d early
2023
27 d late
2022
31 d late
2021
24 d late
2020
30 d late
2019
10 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 10.4%
2024 · €54k
2018: €-20k
2019: €-14k
2020: €-1k
2021: €7k
2022: €25k
2023: €38k
2024: €54k
2018 → 2025
Total assets
€67k▼ 1.4%
2024 · €68k
2018: €6k
2019: €21k
2020: €36k
2021: €22k
2022: €37k
2023: €58k
2024: €68k
2018 → 2025
Net result
€6k▼ 65.9%
2024 · €16k
2018: €-8k
2019: €14k
2020: €13k
2021: €8k
2022: €18k
2023: €13k
2024: €16k
2018 → 2025
Working capital
€55k▲ 10.6%
2024 · €50k
2018: €-20k
2019: €-16k
2020: €-10k
2021: €2k
2022: €23k
2023: €33k
2024: €50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€25k▲ 273%€38k▲ 50.7%€54k▲ 43.6%€60k▲ 10.4%
Operating result€14k-€27k▲ 97.4%€20k▼ 28.4%€26k▲ 32.9%€11k▼ 57.4%
Net result€8k-€18k▲ 124%€13k▼ 30.7%€16k▲ 29.6%€6k▼ 65.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€4k▲ 7.1%
Current assets
€62k▼ 1.9%
Equity and liabilities €67k
Equity
€60k▲ 10.4%
Debt
€7k▼ 49.3%
The debt ratio falls from 19.7% to 10.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€13k▼
2024 · €28k
Cash flow
€8k▼
2024 · €19k
Solvency
89.9%▲
2024 · 80.3%
Current ratio
9.25▲
2024 · 4.78
Quick ratio
9.25▲
2024 · 4.78
Debt / equity
0.11▼
2024 · 0.24
ROE
9.4%▼
2024 · 30.4%
ROA
8.4%▼
2024 · 24.4%
Interest coverage
9.91▼
2024 · 65.57
Debt
€7k▼
2024 · €13k
Debt ≤ 1 year
€7k▼
2024 · €13k
Income taxes
€4k▼
2024 · €9k
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€68k€67k▼
Fixed assets21/28€4k€4k▲
Tangible fixed assets22/27€4k€4k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€3k▲
Current assets29/58€63k€62k▼
Amounts receivable within one year40/41€26k€6k▼
Trade receivables40€23k€0▼
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€33k€52k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€68k€67k▼
Equity10/15€54k€60k▲
Contributions10/11€6k€6k=
Reserves13€48k€54k▲
Distributable reserves133€48k€54k▲
Amounts payable17/49€13k€7k▼
Amounts payable within one year42/48€13k€7k▼
Financial debts43€251€1k▲
Credit institutions430/8€251€1k▲
Other loans439€0-
Trade debts44€3k€230▼
Suppliers440/4€3k€230▼
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€10k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€29k€15k▼
Operating profit (loss)9901€26k€11k▼
Financial income75/76B€183€276▲
Recurring financial income75€183€276▲
Financial charges65/66B€429€1k▲
Recurring financial charges65€429€1k▲
Profit (loss) for the period before taxes9903€26k€10k▼
Income taxes67/77€9k€4k▼
Profit (loss) for the period9904€16k€6k▼
Profit (loss) for the period to be appropriated9905€16k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€6k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€16k€6k▼
To other reserves6921€16k€6k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €18k ▲124%
Operating result €27k, net result €18k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.11
Current ratio from 1.16 to 3.11; short-term debt falls from €15k to €11k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 10 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
Cynthia VAN TULDEN
CurrentDirector · since 22-12-2023
Tom NEYSEN-MASSON
CurrentDirector · since 22-12-2023
22-12-2023
Cynthia VAN TULDEN: Appointed as Director
22-12-2023
Tom NEYSEN-MASSON: Appointed as Director
Location & real-estate footprint
Registered office, Kapellen · 1 establishment unit since 2015
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.
Patrijsstraat 62950 KapellenGround area
384 m²
Building footprint
99 m²
Volume, LiDAR
153 m³
Parcel 11362H0317/00F004, Flanders · tallest building 26.0 m. Linked by address, not a title deed.
1 establishment unit
T&C IMMO
since 20152.241.487.480
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362H0317/00F004 | Flanders | 384 m² | 1 · 99 m² | 26.0 m |
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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IMMO HEREMANS ROBBE
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BE 0846.357.860
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FT IMMO & CONSEILS
BE 0799.632.465
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JAN JORIS
BE 0728.901.748
Mol · Eq €60k
Agence Immobilière Sociale de Forest
BE 0832.298.996
Vorst · Eq €60k
Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 4,965 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2015
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.