T&T CONCEPTS

Active

Private limited companyfounded 201510 yrs activeAmerikalei 54, 2000 Antwerpen, BelgiumKBO/BCE: BE 0642.669.639

The computed 12-month bankruptcy probability of T&T CONCEPTS is 3.3% (moderate). The 2025 annual accounts show equity of €29k and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 13159 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

40 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability34▼-45

Solvency57▼-14

Growth78=

Track record100

Bankruptcy probability, 12 months

3.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity tight (current ratio 1.43 against 1.8 in 2024; short-term debt: 64.1% and cash: 0% of total assets), and 67.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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 2025

Solvency, return and age of the figures

Solvency

32.5%

Return on assets

-9.7%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

28 d late

2024

144 d late

2023

61 d late

2022

31 d late

2021

31 d late

2020

31 d late

2019

69 d late

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€29k▼ 22.9%

2024 · €37k

2018: €12k 2019: €21k 2020: €-2k 2021: €-25k 2022: €2k 2023: €36k 2024: €37k

2018 → 2025

Total assets

€88k▲ 9.2%

2024 · €81k

2018: €44k 2019: €42k 2020: €31k 2021: €28k 2022: €25k 2023: €50k 2024: €81k

2018 → 2025

Net result

€-9k

2024 · €6k

2018: €-9k 2019: €9k 2020: €-23k 2021: €-23k 2022: €4k 2023: €34k 2024: €6k

2018 → 2025

Working capital

€24k▼ 25.6%

2024 · €32k

2018: €4k 2019: €11k 2020: €-9k 2021: €-29k 2022: €-1k 2023: €34k 2024: €32k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-25k-€2k€36k▲ 1,878%€37k▲ 4.0%€29k▼ 22.9%

Operating result€-23k-€8k€34k▲ 339%€12k▼ 64.6%€5k▼ 62.4%

Net result€-23k-€4k€34k▲ 761%€6k▼ 81.1%€-9k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 62% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €88k

91.4%

Fixed assets €8k▼ 2.9%

Current assets €81k▲ 10.4%

Equity and liabilities €88k

32.5%

67.5%

Equity €29k▼ 22.9%

Debt €60k▲ 36.5%

The debt ratio rises from 54.0% to 67.5%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€7k▼

2024 · €16k

Cash flow

€-6k▼

2024 · €10k

Solvency

32.5%▼

2024 · 46.0%

Current ratio

1.43▼

2024 · 1.80

Quick ratio

1.43▼

2024 · 1.80

Debt / equity

2.08▲

2024 · 1.17

ROE

-29.8%▼

2024 · 17.2%

ROA

-9.7%▼

2024 · 7.9%

Interest coverage

3.26▼

2024 · 15.01

Debt

€60k▲

2024 · €44k

Debt ≤ 1 year

€57k▲

2024 · €41k

Debt > 1 year

€3k=

2024 · €3k

Income taxes

€12k▲

2024 · €5k

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€81k€88k▲

Fixed assets21/28€8k€8k▼

Tangible fixed assets22/27€8k€8k▼

Plant, machinery and equipment23€5k€4k▼

Furniture and vehicles24€1k€1k▼

Other tangible fixed assets26€2k€2k▼

Current assets29/58€73k€81k▲

Amounts receivable within one year40/41€73k€80k▲

Trade receivables40€24k€15k▼

Other amounts receivable41€50k€66k▲

Cash at bank and in hand54/58-€13

Deferred charges and accrued income490/1-€399

Equity and liabilities

Total equity and liabilities10/49€81k€88k▲

Equity10/15€37k€29k▼

Contributions10/11€6k€6k=

Reserves13€11k€11k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€9k€9k=

Profit (loss) carried forward14€20k€12k▼

Amounts payable17/49€44k€60k▲

Amounts payable after more than one year17€3k€3k=

Other amounts payable178/9€3k€3k=

Amounts payable within one year42/48€41k€57k▲

Financial debts43€5k€10k▲

Credit institutions430/8€5k€10k▲

Trade debts44€15k€14k▼

Suppliers440/4€15k€14k▼

Taxes, remuneration and social security45€16k€12k▼

Taxes450/3€16k€7k▼

Remuneration and social security454/9-€5k

Other amounts payable47/48€5k€20k▲

Income statement Code20242025

Non-recurring operating income76A-€2k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼

Other operating charges640/8€2k€1k▼

Non-recurring operating charges66A€12k-

Gross operating margin9900€30k€8k▼

Operating profit (loss)9901€12k€5k▼

Financial income75/76B€828€1k▲

Recurring financial income75€828€1k▲

Financial charges65/66B€1k€2k▲

Recurring financial charges65€1k€2k▲

Profit (loss) for the period before taxes9903€12k€4k▼

Income taxes67/77€5k€12k▲

Profit (loss) for the period9904€6k€-9k▼

Profit (loss) for the period to be appropriated9905€6k€-9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€25k€12k▼

Profit (loss) brought forward from the previous period14P€19k€20k▲

Profit to be distributed694/7€5k-

Directors or managers695€5k-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 28 days late

2025

22-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 144 days late

2024

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

2023

31-12

Financial Highest result since 2018net €34k ▲761%

Operating result €34k, net result €34k, both a record.

31-12

Financial Liquidity times 5current ratio 4.75

Current ratio from 0.92 to 4.75; short-term debt falls from €18k to €9k.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Back to profitnet €4k

Net result €4k after 2 loss-making years.

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

08-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 69 days late

2019

31-12

Financial Back to profitnet €9k

Net result €9k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 31 days late

2018

31-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

13-03

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 225 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

10-10-2025 Resigned as Director

Location & real-estate footprint

Registered office, Antwerpen · 3 establishment units since 2016

establishment All 3 establishment units on the map

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.

Amerikalei 542000 Antwerpen

Ground area

408 m²

Building footprint

345 m²

Volume, LiDAR

4,467 m³

3 parcels, Flanders · tallest building 28.0 m, ±6 floors. Linked by address, not a title deed.

3 establishment units

enfanT Terrible HQ

Amerikalei 54, 2000 AntwerpenActivities of head offices

since 20162.251.151.650

Hendrik Conscienceplein 3, 2000 Antwerpen

Cafés and bars

since 20262.385.421.327

cafe de snor

Adriaan Brouwerstraat 33, 2000 AntwerpenFull-service restaurants

since 20262.390.517.389

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11811L3579/00L002	Flanders	172 m²	1 · 111 m²	28.0 m · 6 fl.
11002A1084/00A000 ProtectedMonumentHuis 't SermoenSource ↗	Flanders	149 m²	1 · 147 m²	15.6 m · 4 fl.
11002A0035/00K000 ProtectedMonumentLaatclassicistisch herenhuis: linkerdeelSource ↗	Flanders	87 m²	1 · 87 m²	17.5 m · 5 fl.