T&J MOBILE
ActiveT&J MOBILE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €9k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 10253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-8
Solvency100▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.12 against 2.88 in 2024; short-term debt: 17.4% and cash: 46.8% of total assets), and 17.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
82.6%
Return on assets
5.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
50 d early
2023
51 d early
2022
70 d late
2021
87 d late
2020
82 d late
2019
62 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, abbreviated schema
Equity
€132k▲ 7.6%
2024 · €123k
2018: €73k
2019: €85k
2020: €105k
2021: €120k
2022: €127k
2023: €102k
2024: €123k
2018 → 2025
Total assets
€160k▼ 6.3%
2024 · €170k
2018: €194k
2019: €175k
2020: €180k
2021: €185k
2022: €225k
2023: €180k
2024: €170k
2018 → 2025
Net result
€9k▼ 54.6%
2024 · €21k
2018: €21k
2019: €12k
2020: €20k
2021: €15k
2022: €6k
2023: €-27k
2024: €21k
2018 → 2025
Working capital
€114k▲ 27.1%
2024 · €90k
2018: €70k
2019: €74k
2020: €42k
2021: €-8k
2022: €15k
2023: €67k
2024: €90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€127k▲ 5.9%€102k▼ 19.4%€123k▲ 20.1%€132k▲ 7.6%
Operating result€20k-€9k▼ 53.2%€20k▲ 123%€27k▲ 33.1%€36k▲ 33.8%
Net result€15k-€6k▼ 56.1%€-27k€21k€9k▼ 54.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€18k▼ 45.8%
Current assets
€142k▲ 3.2%
Equity and liabilities €160k
Equity
€132k▲ 7.6%
Debt
€28k▼ 41.9%
The debt ratio falls from 28.0% to 17.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2024 · €29k
Cash flow
€11k▼
2024 · €23k
Solvency
82.6%▲
2024 · 72.0%
Current ratio
5.12▲
2024 · 2.88
Quick ratio
3.12▲
2024 · 1.69
Debt / equity
0.21▼
2024 · 0.39
ROE
7.1%▼
2024 · 16.7%
ROA
5.8%▼
2024 · 12.1%
Interest coverage
13.34▼
2024 · 21.85
Debt
€28k▼
2024 · €48k
Debt ≤ 1 year
€28k▼
2024 · €48k
Income taxes
€9k▲
2024 · €5k
Staff costs
€163k▲
2024 · €135k
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€170k€160k▼
Fixed assets21/28€33k€18k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€994€603▼
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€30k€15k▼
Current assets29/58€138k€142k▲
Stocks and contracts in progress3€57k€55k▼
Stocks30/36€57k€55k▼
Amounts receivable within one year40/41€34k€12k▼
Trade receivables40€34k€12k▼
Cash at bank and in hand54/58€45k€75k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€170k€160k▼
Equity10/15€123k€132k▲
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Profit (loss) carried forward14€102k€111k▲
Amounts payable17/49€48k€28k▼
Amounts payable within one year42/48€48k€28k▼
Trade debts44€23k€4k▼
Suppliers440/4€23k€4k▼
Taxes, remuneration and social security45€24k€23k▼
Taxes450/3€23k€19k▼
Remuneration and social security454/9€831€4k▲
Other amounts payable47/48€895€228▼
Income statement
Code20242025
Non-recurring operating income76A€880-
Remuneration, social security and pensions62€135k€163k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€747▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€168k€201k▲
Operating profit (loss)9901€27k€36k▲
Financial income75/76B€85€3▼
Recurring financial income75€85€3▼
Financial charges65/66B€1k€18k▲
Recurring financial charges65€1k€3k▲
Non-recurring financial charges66B-€15k
Profit (loss) for the period before taxes9903€26k€19k▼
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€21k€9k▼
Profit (loss) for the period to be appropriated9905€21k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€111k▲
Profit (loss) brought forward from the previous period14P€82k€102k▲
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-27k ▼513%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Equity above €100kEq €105k ▲23.3%
3 profitable years in a row build equity to €105k.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Châtelet · 3 establishment units since 2013
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.
Place de l'Hôtel de Ville 156200 ChâteletGround area
1,990 m²
Building footprint
613 m²
Volume, LiDAR
5,835 m³
3 parcels, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
T & J MOBILE
since 20132.221.731.352
T & J MOBILE
since 20142.230.568.448
T & J MOBILE
since 20152.266.624.140
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B0346/00Y000 | Wallonia | 1,697 m² | 1 · 442 m² | 13.0 m · 3 fl. |
| 52012A0318/00R000 | Wallonia | 266 m² | 1 · 170 m² | 12.3 m · 4 fl. |
| 52011D0126/02S000indicative | Wallonia | 27 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels 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
875500AQ1CAJLYP7YW72
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Of 3,225 companies in sector 47400 we hold annual accounts for 1,806. 1,430 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2013
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47420Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.
Contact details
2 entriesE-mail:tjmobile@outlook.be
Phone:0488-974.949