T-PACK
ActiveT-PACK has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €320k and a net result of €88k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 86% of 338 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+15
Solvency100▲+33
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 0.79 in 2024), and 20.4% 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
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
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
79.6%
Return on assets
22%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
7 d early
2023
43 d early
2022
14 d early
2021
25 d late
2020
9 d early
2019
9 d early
← 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€320k▲ 38.2%
2024 · €231k
2022: €304k
2023: €327k
2024: €231k
2022 → 2025
Total assets
€401k▼ 14.8%
2024 · €471k
2022: €440k
2023: €437k
2024: €471k
2022 → 2025
Net result
€88k▲ 124%
2024 · €39k
2022: €66k
2023: €53k
2024: €39k
2022 → 2025
Working capital
€56k
2024 · €-41k
2022: €42k
2023: €54k
2024: €-41k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€304k-€327k▲ 7.6%€231k▼ 29.2%€320k▲ 38.2%
Operating result€82k-€74k▼ 9.5%€56k▼ 24.9%€44k▼ 21.4%
Net result€66k-€53k▼ 19.7%€39k▼ 25.4%€88k▲ 124%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 21% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €401k
Fixed assets
€292k▼ 9.0%
Current assets
€110k▼ 27.2%
Equity and liabilities €401k
Equity
€320k▲ 38.2%
Debt
€82k▼ 65.9%
The debt ratio falls from 50.9% to 20.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€70k▼
2024 · €79k
Cash flow
€114k▲
2024 · €62k
Solvency
79.6%▲
2024 · 49.1%
Current ratio
2.04▲
2024 · 0.79
Quick ratio
2.04▲
2024 · 0.79
Debt / equity
0.26▼
2024 · 1.04
ROE
27.7%▲
2024 · 17.1%
ROA
22.0%▲
2024 · 8.4%
Interest coverage
15.98▼
2024 · 17.66
Debt
€82k▼
2024 · €240k
Debt ≤ 1 year
€54k▼
2024 · €191k
Debt > 1 year
€28k▼
2024 · €49k
Income taxes
€18k▲
2024 · €17k
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
Total assets
20/58€471k€401k▼
Fixed assets
21/28€320k€292k▼
Tangible fixed assets
22/27€120k€109k▼
Financial fixed assets
28€200k€183k▼
Current assets
29/58€151k€110k▼
Amounts receivable within one year
40/41€133k€65k▼
Cash & bank
54/58€10k€38k▲
Total equity & liabilities
10/49€471k€401k▼
Equity
10/15€231k€320k▲
Contributions / capital
10/11€12k€12k=
Reserves
13€219k€307k▲
Amounts payable
17/49€240k€82k▼
Amounts payable after one year
17€49k€28k▼
Amounts payable within one year
42/48€191k€54k▼
Trade debts payable within one year
44€7k€9k▲
Income statement
Code20242025
Gross operating margin
9900€82k€72k▼
Operating result
9901€56k€44k▼
Financial income
75€5k€67k▲
Financial charges
65€4k€4k▼
Result before taxes
9903€57k€107k▲
Income taxes
67/77€17k€18k▲
Net result for the period
9904€39k€88k▲
Result to be appropriated
9905€39k€88k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2022net €88k ▲124%
Net result €88k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.04
Current ratio from 0.79 to 2.04; short-term debt falls from €191k to €54k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €39k ▼25.4%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
19-02
State Gazette act
Statutes amendment
De vennootschap heeft tot voorwerp in België en in het buitenland, uitsluitend in eigen naam en voor eigen rekening, een uitgebreide lijst van activiteiten te verrichten, waaronder het aanvaarden van … · Henry DECLERCK
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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NEVEST
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Of 6,183 companies in sector 46190 we hold annual accounts for 2,471. 1,696 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2005
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-08-2026. Scores and ratios are computed by Checked and are not a credit decision.