T-I
ActiveSummary
T-I has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.30M and a net result of €193k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 1638 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 72.33 against 25.59 in 2024; short-term debt: 1.3% and cash: 48.4% of total assets), and 1.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
98.7%
Return on assets
8.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-03-2026, 41 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 · 10 filingsDeviation from the deadline
2025
41 d late
2024
40 d late
2023
12 d early
2022
15 d late
2021
on the day
2019
22 d early
2018
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.30M▲ 9.1%
2024 · €2.11M
2018: €1.23M
2019: €1.47M
2021: €1.67M
2022: €1.79M
2023: €1.92M
2024: €2.11M
2018 → 2025
Total assets
€2.33M▲ 6.7%
2024 · €2.19M
2018: €1.54M
2019: €1.85M
2021: €2.03M
2022: €2.18M
2023: €2.22M
2024: €2.19M
2018 → 2025
Net result
€193k▲ 2.5%
2024 · €188k
2018: €144k
2019: €246k
2021: €202k
2022: €126k
2023: €126k
2024: €188k
2018 → 2025
Working capital
€2.12M▲ 11.9%
2024 · €1.89M
2018: €829k
2019: €1.07M
2021: €1.34M
2022: €1.51M
2023: €1.69M
2024: €1.89M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.67M-€1.79M▲ 7.3%€1.92M▲ 7.0%€2.11M▲ 9.8%€2.30M▲ 9.1%
Operating result€286k-€188k▼ 34.3%€186k▼ 1.1%€253k▲ 36.3%€231k▼ 8.8%
Net result€202k-€126k▼ 37.4%€126k=€188k▲ 48.7%€193k▲ 2.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.33M
Fixed assets
€186k ▼ 14.5%
Current assets
€2.15M ▲ 9.0%
Equity and liabilities €2.33M
Equity
€2.30M ▲ 9.1%
Debt
€30k ▼ 61.4%
Debt's share of the balance-sheet total falls from 3.5% to 1.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€270k▼
2024 · €294k
Cash flow
€232k▲
2024 · €229k
Current ratio
72.33▲
2024 · 25.59
Debt to equity
0.01▼
2024 · 0.04
ROE
8.4%▼
2024 · 8.9%
ROA
8.3%▼
2024 · 8.6%
Interest coverage
76.21▼
2024 · 564.93
Debt ≤ 1 year
€30k▼
2024 · €77k
Income taxes
€85k▼
2024 · €96k
Staff costs
€14k▼
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.19M€2.33M▲
Fixed assets21/28€218k€186k▼
Tangible fixed assets22/27€218k€186k▼
Land and buildings22€196k€162k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€12k€16k▲
Current assets29/58€1.97M€2.15M▲
Amounts receivable within one year40/41€83k€220k▲
Trade receivables40€83k€73k▼
Other amounts receivable41-€147k
Current investments50/53€1.00M€797k▼
Cash at bank and in hand54/58€884k€1.13M▲
Equity and liabilities
Total equity and liabilities10/49€2.19M€2.33M▲
Equity10/15€2.11M€2.30M▲
Contributions10/11€244k€244k=
Reserves13€1.86M€2.06M▲
Tax-exempt reserves132€20k€20k=
Distributable reserves133€1.85M€2.04M▲
Amounts payable17/49€77k€30k▼
Amounts payable within one year42/48€77k€30k▼
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Taxes, remuneration and social security45€55k€25k▼
Taxes450/3€55k€25k▼
Other amounts payable47/48€12k-
Income statement
Code20242025
Remuneration, social security and pensions62€15k€14k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€39k▼
Other operating charges640/8€7k€4k▼
Gross operating margin9900€315k€288k▼
Operating profit (loss)9901€253k€231k▼
Financial income75/76B€31k€50k▲
Recurring financial income75€31k€50k▲
Financial charges65/66B€520€4k▲
Recurring financial charges65€520€4k▲
Profit (loss) for the period before taxes9903€284k€277k▼
Income taxes67/77€96k€85k▼
Profit (loss) for the period9904€188k€193k▲
Profit (loss) for the period to be appropriated9905€188k€193k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€193k▲
Transfer to equity691/2€188k€193k▲
To other reserves6921€188k€193k▲
The notes to these accounts (5 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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 41 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 72.33
Current ratio from 25.59 to 72.33; short-term debt falls from €77k to €30k.
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 40 days late
2024
30-06
Financial
Liquidity quadruplescurrent ratio 25.59
Current ratio from 7.13 to 25.59; short-term debt falls from €276k to €77k.
30-06
Financial
Equity above €2MEq €2.11M ▲9.8%
6 profitable years in a row build equity to €2.11M.
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 15 days late
2022
30-06
Financial
Weakest financial yearnet €126k ▼37.4%
Net result drops to €126k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-05
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2020
08-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Highest result since 2018net €246k ▲71%
Operating result €358k, net result €246k, both a record.
Show earlier events
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
21-04
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Duffel · 2 establishment units since 2001
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.
Zandstraat 362570 DuffelGround area
5,314 m²
Building footprint
392 m²
Volume, LiDAR
1,864 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Zandstraat 36, 2570 Duffel
since 20012.025.839.654
Maison Albert
since 20202.300.976.491
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12302D0341/00V000 | Flanders | 5,136 m² | 1 · 237 m² | 7.6 m · 2 fl. |
| 38016B0526/00G000 | Flanders | 178 m² | 1 · 155 m² | 8.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 2,713 companies in sector 73200 we hold annual accounts for 1,783. 820 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-1984
Fiscal year end30-06
Activities, NACEBEL 2025
73200Market research and public opinion polling
82990Other business support services
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.maisonalbert.be