Summary
T&L is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €18,600 and a net result of €35,771. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 15% of 8074 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 8074 sector peers (2025).
NBB · sector comparisonPosition among 8074 sector peers
Solvency
better than 15%
← weakest
strongest →
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 10-06-2026, 51 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
51 d early
2024
43 d early
2023
41 d early
2022
38 d early
2021
40 d early
2020
47 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 42 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€18,600=
2024 · €18,600
Net result
€35,771▲ 128%
2024 · €15,698
Total assets
€217,259▲ 36.2%
2024 · €159,488
Solvency
8.6%▼ 3.1pp
2024 · 11.7%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€48,854▲ 101%€14,667▼ 70.0%€43,279▲ 195%€24,710▼ 42.9%€49,758▲ 101%
Net result€36,531▲ 132%€8,103▼ 77.8%€30,635▲ 278%€15,698▼ 48.8%€35,771▲ 128%
Equity€18,600▼ 67.3%€18,600=€18,600=€18,600=€18,600=
Total assets€155,974▲ 46.1%€115,798▼ 25.8%€90,546▼ 21.8%€159,488▲ 76.1%€217,259▲ 36.2%
Debt€137,374▲ 175%€97,198▼ 29.2%€71,946▼ 26.0%€140,888▲ 95.8%€198,659▲ 41.0%
Working capital-€26,251-€19,128▲ 27.1%€42,336-€1,912-€53,422▼ 2,694%
Solvency11.9%▼ 41.3pp16.1%▲ 4.1pp20.5%▲ 4.5pp11.7%▼ 8.9pp8.6%▼ 3.1pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 101% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €217,259
Fixed assets
€178,969 ▲ 83.7%
Current assets
€38,291 ▼ 38.3%
Equity and liabilities €217,259
Equity
€18,600 =
Debt
€198,659 ▲ 41.0%
Debt's share of the balance-sheet total rises from 88.3% to 91.4%. Debt is higher.
Key figures and ratios
ROE
192.3%▲
2024 · 84.4%
ROA
16.5%▲
2024 · 9.8%
Debt ≤ 1 year
€91,713▲
2024 · €63,973
Debt > 1 year
€106,946▲
2024 · €76,914
Income taxes
€8,475▲
2024 · €6,439
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,021 | €0 | €5,788 | €0 | €25,339 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27,575 | €34,254 | €10,929 | €13,894 | €37,051 | ▲ 167% |
| Other operating charges640/8 | €614 | €627 | €660 | €513 | €924 | ▲ 80.1% |
| Gross operating margin9900 | €77,043 | €49,548 | €54,868 | €39,117 | €87,733 | ▲ 124% |
| Operating profit (loss)9901 | €48,854 | €14,667 | €43,279 | €24,710 | €49,758 | ▲ 101% |
| Financial income75/76B | €238 | €0 | - | €5 | €0 | ▼ 100% |
| Recurring financial income75 | €238 | €0 | - | €5 | €0 | ▼ 100% |
| Financial charges65/66B | €913 | €1,002 | €2,064 | €2,577 | €5,512 | ▲ 114% |
| Recurring financial charges65 | €913 | €1,002 | €2,064 | €2,577 | €5,512 | ▲ 114% |
| Profit (loss) for the period before taxes9903 | €48,178 | €13,665 | €41,214 | €22,138 | €44,246 | ▲ 99.9% |
| Income taxes67/77 | €11,647 | €5,563 | €10,580 | €6,439 | €8,475 | ▲ 31.6% |
| Profit (loss) for the period9904 | €36,531 | €8,103 | €30,635 | €15,698 | €35,771 | ▲ 128% |
| Profit (loss) for the period to be appropriated9905 | €36,531 | €8,103 | €30,635 | €15,698 | €35,771 | ▲ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €155,974 | €115,798 | €90,546 | €159,488 | €217,259 | ▲ 36.2% |
| Fixed assets21/28 | €115,269 | €81,015 | €1,577 | €97,426 | €178,969 | ▲ 83.7% |
| Tangible fixed assets22/27 | €115,269 | €81,015 | €1,577 | €97,426 | €178,969 | ▲ 83.7% |
| Furniture and vehicles24 | €115,269 | €81,015 | €1,577 | €97,426 | €178,969 | ▲ 83.7% |
| Current assets29/58 | €40,705 | €34,783 | €88,969 | €62,061 | €38,291 | ▼ 38.3% |
| Amounts receivable within one year40/41 | €34,657 | €30,492 | €14,893 | €28,665 | €17,425 | ▼ 39.2% |
| Trade receivables40 | €31,608 | €30,492 | €14,473 | €27,104 | €11,900 | ▼ 56.1% |
| Other amounts receivable41 | €3,049 | €0 | €420 | €1,561 | €5,525 | ▲ 254% |
| Cash at bank and in hand54/58 | €585 | €1,219 | €70,903 | €24,956 | €19,078 | ▼ 23.6% |
| Deferred charges and accrued income490/1 | €5,463 | €3,072 | €3,174 | €8,440 | €1,788 | ▼ 78.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €155,974 | €115,798 | €90,546 | €159,488 | €217,259 | ▲ 36.2% |
| Equity10/15 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €0 | - | - | - | - | - |
| Distributable reserves133 | €0 | - | - | - | - | - |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €137,374 | €97,198 | €71,946 | €140,888 | €198,659 | ▲ 41.0% |
| Amounts payable after more than one year17 | €70,418 | €42,987 | €25,313 | €76,914 | €106,946 | ▲ 39.0% |
| Financial debts170/4 | €70,418 | €42,987 | €25,313 | €76,914 | €106,946 | ▲ 39.0% |
| Amounts payable within one year42/48 | €66,956 | €53,911 | €46,633 | €63,973 | €91,713 | ▲ 43.4% |
| Current portion of amounts payable after more than one year42 | €29,111 | €27,431 | €17,675 | €35,642 | €41,354 | ▲ 16.0% |
| Trade debts44 | €554 | €1,009 | €0 | €3,025 | €1,374 | ▼ 54.6% |
| Suppliers440/4 | €554 | €1,009 | €0 | €3,025 | €1,374 | ▼ 54.6% |
| Taxes, remuneration and social security45 | €6,240 | €9,856 | €7,130 | €6,737 | €10,130 | ▲ 50.4% |
| Taxes450/3 | €760 | €8,033 | €237 | €3,205 | €2,082 | ▼ 35.1% |
| Remuneration and social security454/9 | €5,480 | €1,823 | €6,893 | €3,532 | €8,048 | ▲ 128% |
| Other amounts payable47/48 | €31,052 | €15,615 | €21,829 | €18,569 | €38,854 | ▲ 109% |
| Accrued charges and deferred income492/3 | - | €300 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,531 | €8,103 | €30,635 | €15,698 | €35,771 | ▲ 128% |
| + Depreciation and write-downs630 | €27,575 | €34,254 | €10,929 | €13,894 | €37,051 | ▲ 167% |
| Operating cash flow (approximation) | €64,106 | €42,357 | €41,564 | €29,592 | €72,822 | ▲ 146% |
| Investment in fixed assets (approximation) | - | €0 | €68,509 | -€109,743 | -€118,593 | ▼ 8.1% |
| Change in cash | - | €634 | €69,684 | -€45,947 | -€5,878 | ▲ 87.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 1.91
Current ratio from 0.65 to 1.91; short-term debt falls from €53,911 to €46,633.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €36,531 ▲132%
Net result €36,531, the highest in the series.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Tessenderlo-Ham · 1 establishment unit since 2016
Ground area
1,542 m²
Building footprint
123 m²
Volume, LiDAR
958 m³
Parcel 71046A0309/00G000, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
T&L
since 20162.252.815.694
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046A0309/00G000 | Flanders | 1,542 m² | 1 · 123 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 7,171 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
96210Hairdressing and barber services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0650849412
Also
9925:BE0650849412
Registered
26-09-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.