T & G
ActiveT & G has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.61M and a net result of €224k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+6
Solvency85▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.47 in 2024), and 36.1% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
63.9%
Return on assets
5.5%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
49 d early
2023
47 d early
2022
31 d early
2021
30 d early
2020
50 d early
2019
29 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.61M▲ 9.4%
2024 · €2.38M
2018: €833k
2019: €1.13M
2020: €1.45M
2021: €1.93M
2022: €2.22M
2023: €2.21M
2024: €2.38M
2018 → 2025
Total assets
€4.08M▲ 2.7%
2024 · €3.97M
2018: €4.88M
2019: €2.54M
2020: €2.84M
2021: €2.67M
2022: €4.37M
2023: €4.21M
2024: €3.97M
2018 → 2025
Net result
€224k▲ 27.8%
2024 · €175k
2018: €-92k
2019: €302k
2020: €318k
2021: €479k
2022: €288k
2023: €-12k
2024: €175k
2018 → 2025
Working capital
€390k▼ 28.1%
2024 · €542k
2018: €-1.84M
2019: €703k
2020: €486k
2021: €854k
2022: €820k
2023: €653k
2024: €542k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.93M-€2.22M▲ 14.9%€2.21M▼ 0.5%€2.38M▲ 7.9%€2.61M▲ 9.4%
Operating result€506k-€393k▼ 22.3%€39k▼ 90.1%€280k▲ 620%€354k▲ 26.5%
Net result€479k-€288k▼ 39.8%€-12k€175k€224k▲ 27.8%
Turnover and EBIT margin not published: the abbreviated 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 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.08M
Fixed assets
€2.59M▲ 13.4%
Current assets
€1.49M▼ 11.8%
Equity and liabilities €4.08M
Equity
€2.61M▲ 9.4%
Debt
€1.47M▼ 7.4%
The debt ratio falls from 40.0% to 36.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€460k▲
2024 · €369k
Cash flow
€330k▲
2024 · €265k
Solvency
63.9%▲
2024 · 60.0%
Current ratio
1.35▼
2024 · 1.47
Quick ratio
0.90▼
2024 · 1.13
Debt / equity
0.56▼
2024 · 0.67
ROE
8.6%▲
2024 · 7.4%
ROA
5.5%▲
2024 · 4.4%
Interest coverage
5.74▲
2024 · 4.04
Debt
€1.47M▼
2024 · €1.59M
Debt ≤ 1 year
€1.10M▼
2024 · €1.15M
Debt > 1 year
€368k▼
2024 · €396k
Income taxes
€95k▲
2024 · €85k
Staff costs
€1.05M▲
2024 · €930k
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€3.97M€4.08M▲
Fixed assets21/28€2.28M€2.59M▲
Intangible fixed assets21€958€737▼
Tangible fixed assets22/27€260k€432k▲
Land and buildings22€29k€30k▲
Plant, machinery and equipment23€2k€977▼
Furniture and vehicles24€229k€400k▲
Financial fixed assets28€2.02M€2.15M▲
Current assets29/58€1.69M€1.49M▼
Stocks and contracts in progress3€391k€504k▲
Stocks30/36€391k€504k▲
Amounts receivable within one year40/41€679k€684k▲
Trade receivables40€530k€524k▼
Other amounts receivable41€148k€160k▲
Cash at bank and in hand54/58€513k€278k▼
Deferred charges and accrued income490/1€109k€25k▼
Equity and liabilities
Total equity and liabilities10/49€3.97M€4.08M▲
Equity10/15€2.38M€2.61M▲
Contributions10/11€1.80M€1.80M=
Reserves13€584k€808k▲
Distributable reserves133€584k€808k▲
Amounts payable17/49€1.59M€1.47M▼
Amounts payable after more than one year17€396k€368k▼
Financial debts170/4€396k€368k▼
Amounts payable within one year42/48€1.15M€1.10M▼
Current portion of amounts payable after more than one year42€352k€181k▼
Trade debts44€67k€311k▲
Suppliers440/4€67k€311k▲
Taxes, remuneration and social security45€207k€251k▲
Taxes450/3€46k€104k▲
Remuneration and social security454/9€161k€146k▼
Other amounts payable47/48€523k€360k▼
Accrued charges and deferred income492/3€44k-
Income statement
Code20242025
Non-recurring operating income76A-€610
Remuneration, social security and pensions62€930k€1.05M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89k€106k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k€2k▼
Other operating charges640/8€20k€11k▼
Gross operating margin9900€1.32M€1.53M▲
Operating profit (loss)9901€280k€354k▲
Financial income75/76B€71k€46k▼
Recurring financial income75€71k€46k▼
Financial charges65/66B€92k€80k▼
Recurring financial charges65€92k€80k▼
Profit (loss) for the period before taxes9903€260k€320k▲
Income taxes67/77€85k€95k▲
Profit (loss) for the period9904€175k€224k▲
Profit (loss) for the period to be appropriated9905€175k€224k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€224k▲
Profit (loss) brought forward from the previous period14P€-96k-
Transfer to equity691/2€80k€224k▲
To other reserves6921€80k€224k▲
Social balance
Average headcount (FTE)908712.411.6▼
The notes to these accounts (22 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €175k
Net result €175k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €2MEq €2.22M ▲14.9%
4 profitable years in a row build equity to €2.22M.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €479k ▲50.6%
Operating result €506k, net result €479k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €302k
Net result €302k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.60
Current ratio from 0.51 to 1.60; short-term debt falls from €3.80M to €1.17M.
31-12
Financial
Equity above €1MEq €1.13M ▲36.2%
Equity rises from €833k to €1.13M.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 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, Tongeren-Borgloon · 1 establishment unit since 1989
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.
Prinsenweg 233700 Tongeren-BorgloonGround area
4,941 m²
Building footprint
1,365 m²
Volume, LiDAR
8,934 m³
Parcel 73348B0652/00C000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TEGO
since 19892.045.748.014
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73348B0652/00C000 | Flanders | 4,941 m² | 1 · 1,365 m² | 7.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 169 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 169 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
STICHELBAUT
BE 0415.037.462
Knokke-Heist · Eq €2.61M
Immo Paint
BE 0453.692.655
Leuven · Eq €2.60M
MBI
BE 0876.165.366
Jabbeke · Eq €2.59M
ARDECA INDUSTRIES
BE 0423.195.063
Anzegem · Eq €2.50M
GREENSPEED
BE 0444.879.315
Brasschaat · Eq €2.78M
Of 466 companies in sector 46442 we hold annual accounts for 329. 164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-1989
Fiscal year end31-12
Activities, NACEBEL
46442Wholesale trade
46851Wholesale of industrial chemicals
51442
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.