T.M.T.
ActiveThe computed 12-month bankruptcy probability of T.M.T. is 1.8% (moderate). The 2025 annual accounts show equity of €192k and a net result of €17k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 27787 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+2
Solvency90▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 2.91 in 2024; short-term debt: 34.9% and cash: 4.8% of total assets), and 34.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
65.1%
Return on assets
5.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
9 d early
2024
9 d early
2023
19 d early
2022
12 d early
2021
4 d early
2020
24 d early
← before the deadline
after the deadline →
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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€192k▲ 9.5%
2024 · €175k
2020: €49k
2021: €120k
2022: €135k
2023: €164k
2024: €175k
2020 → 2025
Total assets
€294k▲ 17.0%
2024 · €251k
2020: €100k
2021: €222k
2022: €227k
2023: €275k
2024: €251k
2020 → 2025
Net result
€17k▲ 45.6%
2024 · €11k
2020: €83k
2021: €103k
2022: €15k
2023: €29k
2024: €11k
2020 → 2025
Working capital
€166k▲ 13.4%
2024 · €146k
2020: €44k
2021: €117k
2022: €118k
2023: €138k
2024: €146k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€135k▲ 12.5%€164k▲ 21.4%€175k▲ 7.0%€192k▲ 9.5%
Operating result€115k-€15k▼ 87.1%€40k▲ 169%€13k▼ 68.2%€20k▲ 53.8%
Net result€103k-€15k▼ 85.4%€29k▲ 92.5%€11k▼ 60.5%€17k▲ 45.6%
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 54% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €294k
Fixed assets
€26k▼ 10.0%
Current assets
€268k▲ 20.5%
Equity and liabilities €294k
Equity
€192k▲ 9.5%
Debt
€103k▲ 34.1%
The debt ratio rises from 30.4% to 34.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €23k
Cash flow
€31k▲
2024 · €22k
Solvency
65.1%▼
2024 · 69.6%
Current ratio
2.61▼
2024 · 2.91
Quick ratio
2.61▼
2024 · 2.91
Debt / equity
0.54▲
2024 · 0.44
ROE
8.7%▲
2024 · 6.5%
ROA
5.7%▲
2024 · 4.5%
Interest coverage
52.18▲
2024 · 44.91
Debt
€103k▲
2024 · €76k
Debt ≤ 1 year
€103k▲
2024 · €76k
Income taxes
€5k▲
2024 · €4k
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€251k€294k▲
Fixed assets21/28€29k€26k▼
Tangible fixed assets22/27€29k€26k▼
Plant, machinery and equipment23€3k€825▼
Furniture and vehicles24€8k€14k▲
Leasing and similar rights25€18k€11k▼
Current assets29/58€223k€268k▲
Amounts receivable within one year40/41€198k€251k▲
Trade receivables40€118k€235k▲
Other amounts receivable41€79k€16k▼
Cash at bank and in hand54/58€25k€14k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€251k€294k▲
Equity10/15€175k€192k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€167k€184k▲
Amounts payable17/49€76k€103k▲
Amounts payable within one year42/48€76k€103k▲
Current portion of amounts payable after more than one year42€7k€2k▼
Trade debts44€62k€93k▲
Suppliers440/4€62k€93k▲
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€7k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€25k€35k▲
Operating profit (loss)9901€13k€20k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€516€647▲
Recurring financial charges65€516€647▲
Profit (loss) for the period before taxes9903€16k€22k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€11k€17k▲
Profit (loss) for the period to be appropriated9905€11k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€167k€184k▲
Profit (loss) brought forward from the previous period14P€156k€167k▲
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
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €11k ▼60.5%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €164k ▲21.4%
4 profitable years in a row build equity to €164k.
19-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2020net €103k ▲24.7%
Operating result €115k, net result €103k, both a record.
30-06
Financial
Equity above €100kEq €120k ▲146%
2 profitable years in a row build equity to €120k.
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 2018
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.
Zwijnaardsesteenweg 449000 GentGround area
849 m²
Building footprint
592 m²
Volume, LiDAR
4,952 m³
2 parcels, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
T.M.T.
since 20182.283.093.750
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42001B0251/00G000 | Flanders | 635 m² | 1 · 390 m² | 13.6 m · 3 fl. |
| 44808H0052/00R006 | Flanders | 214 m² | 1 · 202 m² | 11.8 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
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BE 0635.515.888
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MCE Outside
BE 0786.410.969
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DE VLIEGHER ALAIN
BE 0474.612.090
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YaLo GROUP
BE 0751.723.373
Beringen · Eq €192k
Vyja
BE 0542.875.148
Merchtem · Eq €191k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,328. 8,336 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2018
Fiscal year end30-06
Activities, NACEBEL
43211General electrical installation work
43240Other construction installation
43299Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43992Specialised construction activities
43999Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.