T.M.C.
ActiveT.M.C. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2021 annual accounts show equity of €368k and a net result of €12k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 27659 sector peers (fiscal year 2021). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2021
89
/ 100
Excellent▲ +1 vs 2020
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2020
Profitability62▲+2
Solvency83▲+7
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity tight (current ratio 1.26 against 1.06 in 2020), and 37.6% 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2021Solvency, return and age of the figures
Solvency
62.4%
Return on assets
2.1%
Age of the figures
56 mo
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 · 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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2022, 4 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2022 close31-07-2023 deadline14-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 20-01-2023, 173 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
173 d late
2020
16 d late
2019
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2021, micro schema
Turnover
€140k
EBIT margin
19.5%
Net result
€12k▼ 70.3%
2020 · €41k
2018: €19k
2019: €13k
2020: €41k
2018 → 2021
Working capital
€30k▲ 107%
2020 · €15k
2018: €18k
2019: €18k
2020: €15k
2018 → 2021
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2018201920202021Trend
Turnover€140k
Equity€294k-€301k▲ 2.5%€343k▲ 13.6%€368k▲ 7.5%
Operating result€34k-€24k▼ 27.4%€49k▲ 99.5%€27k▼ 44.1%
Net result€19k-€13k▼ 28.9%€41k▲ 210%€12k▼ 70.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2021; 2021 is 44% below 2020.
Balance-sheet composition
2021 in colour, 2020 as the grey bar beneath
Assets €590k
Fixed assets
€445k▼ 6.0%
Current assets
€145k▼ 46.4%
Equity and liabilities €590k
Equity
€368k▲ 7.5%
Debt
€222k▼ 44.7%
The debt ratio falls from 54.0% to 37.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€66k▼
2020 · €70k
Cash flow
€51k▼
2020 · €63k
Solvency
62.4%▲
2020 · 46.0%
Current ratio
1.26▲
2020 · 1.06
Quick ratio
1.26▲
2020 · 1.06
Debt / equity
0.60▲
2020 · 0.42
ROE
3.3%▼
2020 · 12.0%
ROA
2.1%▼
2020 · 5.5%
Interest coverage
6.08
Debt
€222k▼
2020 · €401k
Debt ≤ 1 year
€115k▼
2020 · €256k
Debt > 1 year
€106k▼
2020 · €145k
Income taxes
€7k▲
2020 · €1k
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 · 2021 against 2020
Balance sheet
Code20202021
Assets
Total assets20/58€744k€590k▼
Fixed assets21/28€473k€445k▼
Tangible fixed assets22/27€472k€444k▼
Land and buildings22-€320k
Plant, machinery and equipment23-€5k
Furniture and vehicles24-€11k
Leasing and similar rights25-€108k
Financial fixed assets28€718€718=
Current assets29/58€271k€145k▼
Amounts receivable after more than one year29-€90k
Other amounts receivable291-€90k
Amounts receivable within one year40/41€155k€42k▼
Other amounts receivable41-€42k
Cash at bank and in hand54/58€25k€13k▼
Equity and liabilities
Total equity and liabilities10/49€744k€590k▼
Equity10/15€343k€368k▲
Contributions10/11-€29k
Revaluation surpluses12-€236k
Reserves13€3k€93k▲
Non-distributable reserves130/1-€3k
Reserves not available under the articles1311-€3k
Distributable reserves133-€90k
Profit (loss) carried forward14€75k€4k▼
Investment grants15-€6k
Amounts payable17/49€401k€222k▼
Amounts payable after more than one year17€145k€106k▼
Financial debts170/4-€106k
Amounts payable within one year42/48€256k€115k▼
Current portion of amounts payable after more than one year42-€44k
Trade debts44€145k€11k▼
Suppliers440/4-€11k
Taxes, remuneration and social security45-€19k
Taxes450/3-€19k
Other amounts payable47/48-€41k
Accrued charges and deferred income492/3-€755
Income statement
Code20202021
Turnover70-€140k
Goods, raw materials, services and sundry goods60/61-€74k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€38k▲
Other operating charges640/8-€603
Gross operating margin9900€72k€66k▼
Operating profit (loss)9901€49k€27k▼
Financial income75/76B-€3k
Recurring financial income75€543€3k▲
Financial charges65/66B-€11k
Recurring financial charges65€7k€11k▲
Profit (loss) for the period before taxes9903€42k€19k▼
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€41k€12k▼
Profit (loss) for the period to be appropriated9905€41k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906-€94k
Profit (loss) brought forward from the previous period14P-€82k
Transfer to equity691/2-€90k
To other reserves6921-€90k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 173 days late
2021
31-12
Financial
Weakest financial yearnet €12k ▼70.3%
Net result drops to €12k, the lowest in the series.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Highest result since 2018net €41k ▲210%
Operating result €49k, net result €41k, both a record.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 57 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
2014
29-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 29 days late
2013
26-09
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Liège · 1 establishment unit since 1998
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.
Rue de Rabosée 1334020 LiègeGround area
1,790 m²
Building footprint
232 m²
Volume, LiDAR
1,719 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Florent Leruth 5 A, 4681 Oupeye
since 19982.051.390.345
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62113A1312/00P002 | Wallonia | 1,341 m² | 1 · 169 m² | 8.1 m · 2 fl. |
| 62049B0684/00B004 | Wallonia | 448 m² | 1 · 63 m² | 11.1 m · 3 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.
Similar companies · same sector, comparable size
Renoteam F&P
BE 0880.327.359
Dendermonde · Eq €368k
BREESCH NICO
BE 0639.963.735
Sint-Truiden · Eq €368k
GRONDWERKEN PERSOONS
BE 0473.168.374
Horebeke · Eq €368k
René DERULLIEUX et fils
BE 0427.732.188
Grâce-Hollogne · Eq €367k
B.P.N.
BE 0860.204.215
Seraing · Eq €369k
Of 8,397 companies in sector 43120 we hold annual accounts for 3,204. 2,327 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded03-01-1991
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
45112
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
51532
52461
71320
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.