Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of T&M Project's is 15.1% (high). The 2021 annual accounts show equity of €9k and a net result of €7k. The company has been active since 2021 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 eventsSignals
Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.
Trust signals
2 signalsAdministrative Flags
1 eventFinancials
Annual accounts & ratios
Source: NBB · 2021| Fiscal year | 2021 |
|---|---|
| Revenue | - |
| EBITDA | €10k |
| Net profit | €7k |
| Cash flow | €8k |
| Staff costs | €179k |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €120k |
| Equity | €9k |
| Debt | €111k |
| of which ≤ 1y | €111k |
| of which > 1y | - |
| Working capital | €-386 |
| Employees (FTE) | 7.9 |
| 2021 | |
|---|---|
| Current ratio | 1.00 |
| Quick ratio | 0.81 |
| Working capital ratio | -0.3% |
| Solvency | 7.8% |
| Debt / equity | 11.87 |
| Long-term debt ratio | - |
| Interest coverage | 9.84 |
| Gross margin | - |
| Net margin | - |
| ROA | 5.7% |
| ROE | 73.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2021 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €120k |
| Fixed assets | 21/28 | €10k |
| Tangible fixed assets | 22/27 | €7k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €110k |
| Stocks & contracts in progress | 3 | €20k |
| Amounts receivable within one year | 40/41 | €88k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €120k |
| Equity | 10/15 | €9k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €7k |
| Amounts payable | 17/49 | €111k |
| Amounts payable within one year | 42/48 | €111k |
| Trade debts payable within one year | 44 | €89k |
| Income statement | ||
| Gross operating margin | 9900 | €191k |
| Operating result | 9901 | €10k |
| Financial income | 75 | €596 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €9k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
Health barometer
FY 2021 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44812Q0683/00K000 | Flanders | 526 m² | 1 · 82 m² | 9.4 m · 1 fl. |
Publications
Lifecycle & Insolvency Signals
1 event from the State GazetteTime machine: BS events + macro context
2021-2026Analysis
Snowflake analysis
financial profile on 5 axesMixed profile: strong on profitability, weaker on solvency.
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AI due-diligence brief
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Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | T&M Project's |
- 21-06-2025 Address struck