T-Capital
ActiveT-Capital has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €23k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+45
Solvency93▲+3
Growth52▲+20
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.72 in 2024), and 44.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
55.6%
Return on assets
17.5%
Age of the figures
9 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 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
29 d late
2023
19 d late
2022
28 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 45.8%
2024 · €51k
2022: €51k
2023: €46k
2024: €51k
2022 → 2025
Total assets
€134k▲ 39.8%
2024 · €96k
2022: €64k
2023: €89k
2024: €96k
2022 → 2025
Net result
€23k▲ 317%
2024 · €6k
2022: €50k
2023: €-6k
2024: €6k
2022 → 2025
Working capital
€27k▲ 80.4%
2024 · €15k
2022: €51k
2023: €18k
2024: €15k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€51k-€46k▼ 11.0%€51k▲ 12.3%€75k▲ 45.8%
Operating result€63k-€-2k€12k€40k▲ 220%
Net result€50k-€-6k€6k€23k▲ 317%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 220% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€74k▲ 23.3%
Current assets
€61k▲ 66.7%
Equity and liabilities €134k
Equity
€75k▲ 45.8%
Debt
€60k▲ 32.9%
The debt ratio falls from 46.7% to 44.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€46k▲
2024 · €15k
Cash flow
€30k▲
2024 · €8k
Solvency
55.6%▲
2024 · 53.3%
Current ratio
1.82▲
2024 · 1.72
Quick ratio
1.82▲
2024 · 1.72
Debt / equity
0.80▼
2024 · 0.88
ROE
31.4%▲
2024 · 11.0%
ROA
17.5%▲
2024 · 5.8%
Interest coverage
9.60▲
2024 · 2.80
Debt
€60k▲
2024 · €45k
Debt ≤ 1 year
€33k▲
2024 · €21k
Debt > 1 year
€26k▲
2024 · €24k
Income taxes
€14k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€96k€134k▲
Fixed assets21/28€60k€74k▲
Tangible fixed assets22/27€59k€73k▲
Land and buildings22€58k€57k▼
Furniture and vehicles24€922€17k▲
Financial fixed assets28€270€270=
Current assets29/58€36k€61k▲
Amounts receivable within one year40/41€34k€53k▲
Trade receivables40€0€4k▲
Other amounts receivable41€34k€49k▲
Current investments50/53€0-
Cash at bank and in hand54/58€2k€8k▲
Deferred charges and accrued income490/1€1k€261▼
Equity and liabilities
Total equity and liabilities10/49€96k€134k▲
Equity10/15€51k€75k▲
Contributions10/11€2k€2k=
Reserves13€50k€73k▲
Distributable reserves133€50k€73k▲
Profit (loss) carried forward14€-6€0▲
Amounts payable17/49€45k€60k▲
Amounts payable after more than one year17€24k€26k▲
Financial debts170/4€24k€26k▲
Amounts payable within one year42/48€21k€33k▲
Current portion of amounts payable after more than one year42€8k€13k▲
Financial debts43€2k€927▼
Credit institutions430/8€2k€927▼
Trade debts44€2k€308▼
Suppliers440/4€2k€308▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€78€34▼
Gross operating margin9900€16k€48k▲
Operating profit (loss)9901€12k€40k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€11k€37k▲
Income taxes67/77€5k€14k▲
Profit (loss) for the period9904€6k€23k▲
Profit (loss) for the period to be appropriated9905€6k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6€23k▲
Profit (loss) brought forward from the previous period14P€-6k€-6▲
Transfer to equity691/2-€23k
To other reserves6921-€23k
The notes to these accounts (11 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Weakest financial yearnet €-6k ▼111%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Edegem · 1 establishment unit since 2021
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.
Hovestraat 1672650 EdegemGround area
1.6 ha
Building footprint
1,069 m²
Volume, LiDAR
28,632 m³
Parcel 11472B0143/00S002, Flanders · tallest building 30.4 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
T-Capital
since 20212.323.484.154
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0143/00S002 | Flanders | 1.6 ha | 1 · 1,069 m² | 30.4 m · 9 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400I6ORWMKZPAKU36
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Reveris
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As · Eq €75k
Of 24,497 companies in sector 82990 we hold annual accounts for 9,397. 7,101 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2021
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.