T-Home
ActiveThe computed 12-month bankruptcy probability of T-Home is 2.5% (moderate). The 2025 annual accounts show equity of €17k and a net result of €5k. Its solvency ranks better than 28% of 27619 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+79
Solvency51▼-46
Growth78
Track record82
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.23 against 2.62 in 2024; short-term debt: 52.9% and cash: 10.3% of total assets), and 73.6% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
26.4%
Return on assets
8.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
46 d late
2024
134 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 46.9%
2024 · €11k
2024: €11k
2024 → 2025
Total assets
€63k▲ 301%
2024 · €16k
2024: €16k
2024 → 2025
Net result
€5k
2024 · €-9k
2024: €-9k
2024 → 2025
Working capital
€8k▲ 6.3%
2024 · €7k
2024: €7k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€11k-€17k▲ 46.9%
Operating result€-9k-€7k
Net result€-9k-€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€22k▲ 427%
Current assets
€41k▲ 256%
Equity and liabilities €63k
Equity
€17k▲ 46.9%
Debt
€47k▲ 957%
The debt ratio rises from 28.0% to 73.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €-8k
Cash flow
€9k▲
2024 · €-8k
Solvency
26.4%▼
2024 · 72.0%
Current ratio
1.23▼
2024 · 2.62
Quick ratio
1.23▼
2024 · 2.62
Debt / equity
2.79▲
2024 · 0.39
ROE
31.9%▲
2024 · -75.7%
ROA
8.4%▲
2024 · -54.5%
Interest coverage
32.92▲
2024 · -108.44
Debt
€47k▲
2024 · €4k
Debt ≤ 1 year
€34k▲
2024 · €4k
Debt > 1 year
€13k
Income taxes
€2k
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€16k€63k▲
Fixed assets21/28€4k€22k▲
Tangible fixed assets22/27€4k€22k▲
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€1k€19k▲
Current assets29/58€12k€41k▲
Amounts receivable within one year40/41€5k€34k▲
Trade receivables40€4k€28k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€6k€7k▲
Deferred charges and accrued income490/1€273€713▲
Equity and liabilities
Total equity and liabilities10/49€16k€63k▲
Equity10/15€11k€17k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-9k€-3k▲
Amounts payable17/49€4k€47k▲
Amounts payable after more than one year17-€13k
Financial debts170/4-€13k
Amounts payable within one year42/48€4k€34k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€991€21k▲
Suppliers440/4€991€21k▲
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€1k€4k▲
Remuneration and social security454/9€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€362€4k▲
Other operating charges640/8€387€641▲
Gross operating margin9900€-8k€12k▲
Operating profit (loss)9901€-9k€7k▲
Financial income75/76B€16€10▼
Recurring financial income75€16€10▼
Financial charges65/66B€76€339▲
Recurring financial charges65€76€339▲
Profit (loss) for the period before taxes9903€-9k€7k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-9k€5k▲
Profit (loss) for the period to be appropriated9905€-9k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-3k▲
Profit (loss) brought forward from the previous period14P-€-9k
The notes to these accounts (7 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
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 134 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tienen · 1 establishment unit since 2024
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.
Leuvensestraat 1313300 TienenGround area
401 m²
Building footprint
375 m²
Volume, LiDAR
2,110 m³
Parcel 24593G0715/00A000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T-Home
since 20242.368.375.556
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593G0715/00A000 | Flanders | 401 m² | 1 · 375 m² | 11.8 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.
Similar companies · same sector, comparable size
B.RAW productions
BE 0749.762.983
Keerbergen · Eq €17k
Elektriciteitswerken Brecht Ceusters
BE 1006.190.106
Laakdal · Eq €17k
Manitas
BE 0792.866.122
Duffel · Eq €17k
Antwerp Group
BE 1009.541.059
Antwerpen · Eq €17k
DLA IMMO
BE 0766.934.458
Châtelet · Eq €17k
Of 22,822 companies in sector 43211 we hold annual accounts for 10,327. 6,806 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2024
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43221Plumbing work
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.