Losses
-€19,356 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
T-ech
Lifetime
5 annual accounts with figures on one time axispeak €31,526 (2020)
-€4,927▼ €4,029
lowest -€10,779 (2025)
-€10,779▼ €2,202
peak €45,333 (2022)
€16,446▼ 39.6%
€3,387▼ 68.8%
Board1 name since 2019
-
Documentsfilings and deeds
26-10-2026268 days late
2025micro format
Turnover from €6,936 to €3,173Gross margin from -€898 to -€4,927Loss of €10,779Equity from €27,225 to €16,446Debts from €10,850 to €3,387
Key points
from the 2025 annual accountsPayment terms
30 days to suppliers
T-ech pays its suppliers 17 days earlier than in 2024. Customers pay 10 days earlier.
Liquidity
4.62 was 2.63 in 2024
Short-term debts fell from €10,850 to €3,387.
Filings
5 annual accounts 268 days
Latest accounts filed late: after the legal deadline.
Starting capital
€18,600 100 shares
Position in the sector
-€10,779
Lower net result than 90% of companies in architecture and engineering. Sector median €16,709 · 11,795 companies.
Checked score
55
Fair
Financially stronger than 43% of micro companies in architecture and engineering (NACE 71)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,829 companies (NACE 71, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.1%
01-2025: 4.1%● unchanged vs 12-2024
02-2025: 4.1%● unchanged vs 01-2025
03-2025: 4.1%● unchanged vs 02-2025
04-2025: 4.1%● unchanged vs 03-2025
05-2025: 4.1%● unchanged vs 04-2025
06-2025: 4.1%● unchanged vs 05-2025
07-2025: 4.1%● unchanged vs 06-2025
08-2025: 4.2%▲ +0.1 percentage points vs 07-2025
09-2025: 4.2%● unchanged vs 08-2025
10-2025: 4.2%● unchanged vs 09-2025
11-2025: 4.2%● unchanged vs 10-2025
12-2025: 4.2%● unchanged vs 11-2025
01-2026: 4.2%● unchanged vs 12-2025
02-2026: 4.2%● unchanged vs 01-2026
03-2026: 4.2%● unchanged vs 02-2026
04-2026: 4.2%● unchanged vs 03-2026
05-2026: 4.2%● unchanged vs 04-2026
06-2026: 4.2%● unchanged vs 05-2026highest value
07-2026: 4.2%● unchanged vs 06-2026highest value
08-2026: 4.2%● unchanged vs 07-2026highest value
09-2026: 4.2%● unchanged vs 08-2026highest value
10-2026: 0.9%▼ -3.3 percentage points vs 09-2026
11-2026: 0.8%▼ -0.1 percentage points vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Last filed accounts filed 269 days late; 3 of the last 3 accounts late
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Liquidity: current ratio 4.62, cash €5,783
Equity €16,446 (82.9% 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 (NACE 71, micro). It does better than 87% of them on solvency, 71% on liquidity, 4% on profitability and 10% on growth.
The bankruptcy probability was computed on 10-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 3,591 companies had the same profile as T-ech has now. Each dot stands for 9 companies, two years later.
87.4%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of T-ech itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,448 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 3,591 companies, not a prediction for T-ech. 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
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is ample, with a current ratio of 4.62 (2.63 in 2024), above the usual 1.5. Short-term debt is 17.1% and cash 29.2% of total assets. 17.1% 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
Six signals.
lowers riskraises risk
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 2025Net result per financial year
2021222425
2020 to 2025 · latest year -€10,779
raises risk · 2025 accounts filed 268 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-10-2026, 268 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 5 filingsDeviation from the deadline
2025
268 days late
2024
633 days late
2022
1360 days late
2021
1723 days late
2020
57 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 808 days after the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 25 October (4 of the last 5 accounts filed within 727 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end11-11-2026 today31-01-2027 deadline
Board and ownership
last known board- VERHAEGEN Tom Gerard Georges founderdeed of 02-04-2019
- MORMAL Michaël David founderdeed of 02-04-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0723835180
First establishment
Langdorpsesteenweg 222, Aarschot
Incorporation
Founding capital of €18,600, 100 shares · Founders: VERHAEGEN Tom Gerard Georges and MORMAL Michaël David · Appointment: VERHAEGEN Tom Gerard Georges (manager) · published on 02-04-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| T-ech | €19,833 | -€4,927 | 82.9% | - |
| JOHE Peer | €19,894 | -€674 | 65.4% | - |
| M1GLIO BUILDING SOLUTIONS Diepenbeek | €23,455 | -€755 | 9.7% | - |
| Cova Or Beringen | €21,829 | -€824 | 92.2% | - |
| TOP-EXPERT Orp-Jauche | €25,678 | -€11,328 | 74.7% | - |
| Built-up Waterloo | €21,580 | -€2,787 | 63.2% | - |
| MC2.eco Jodoigne | €26,579 | €289 | 5.7% | - |
These companies have the same main activity as T-ech: engineering and related technical consultancy, excluding land surveyors (NACE 71121). They are comparable in size and age: total assets between €19,900 and €26,600, founded between 2017 and 2020.
Official details
Source: KBO- Status
- Active since 29-03-2019Normal situation
- Legal form
- Private limited company (pre-2019)
- Activity
- Engineering and related technical consultancy, excluding land surveyorsNACE 71121and 5 others
- Establishment unit
- 2.287.080.9453201 Aarschot, since 01-04-2019
- Financial year end
- 30 June
- Peppol
- Reachable since 19-12-2025
Insights on T-ech
T-ech files the micro format. That format states no turnover. The gross margin fell from €31,526 in 2020 to -€4,927 in 2025.
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-ech
- What is the company number of T-ech?
- The company number of T-ech is 0723.835.180. The VAT number is the same number with BE in front: BE 0723.835.180.
- What does T-ech do?
- According to the KBO register, the main activity is engineering and related technical consultancy, excluding land surveyors (NACE 71121).
- What is the legal form of T-ech?
- T-ech is a private limited company (pre-2019) (BVBA).
- When was T-ech founded?
- T-ech was founded on 29-03-2019.
- Is T-ech still active?
- Yes, T-ech is an active enterprise in the KBO register.Company details
- What is the turnover of T-ech?
- The turnover of T-ech was €3,173 in financial year 2025, according to the filed annual accounts.Financials
- Is T-ech profitable?
- In financial year 2025, T-ech made a loss of €10,779.
- Where can I find the annual accounts of T-ech?
- T-ech filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of T-ech due?
- T-ech must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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