T&T COOLING
ActiveT&T COOLING has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €598k and a net result of €155k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency96▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 3.17 against 5.74 in 2024; short-term debt: 28.9% and cash: 31.2% of total assets), and 29.1% 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 · 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
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
70.9%
Return on assets
18.3%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
36 d early
2023
26 d late
2022
12 d late
2021
31 d late
2020
87 d late
2019
47 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€598k▲ 0.3%
2024 · €596k
2018: €188k
2019: €210k
2020: €216k
2021: €313k
2022: €394k
2023: €380k
2024: €596k
2018 → 2025
Total assets
€843k▲ 18.5%
2024 · €712k
2018: €293k
2019: €312k
2020: €302k
2021: €398k
2022: €491k
2023: €500k
2024: €712k
2018 → 2025
Net result
€155k▼ 28.4%
2024 · €216k
2018: €28k
2019: €22k
2020: €6k
2021: €97k
2022: €81k
2023: €82k
2024: €216k
2018 → 2025
Working capital
€531k▼ 1.2%
2024 · €537k
2018: €191k
2019: €207k
2020: €202k
2021: €280k
2022: €300k
2023: €311k
2024: €537k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€394k▲ 25.8%€380k▼ 3.5%€596k▲ 56.9%€598k▲ 0.3%
Operating result€136k-€111k▼ 18.1%€116k▲ 4.4%€312k▲ 168%€218k▼ 30.0%
Net result€97k-€81k▼ 16.9%€82k▲ 1.9%€216k▲ 163%€155k▼ 28.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €843k
Fixed assets
€69k▲ 11.5%
Current assets
€775k▲ 19.1%
Equity and liabilities €843k
Equity
€598k▲ 0.3%
Debt
€246k▲ 112%
The debt ratio rises from 16.3% to 29.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€236k▼
2024 · €329k
Cash flow
€173k▼
2024 · €233k
Solvency
70.9%▼
2024 · 83.7%
Current ratio
3.17▼
2024 · 5.74
Quick ratio
3.17▼
2024 · 5.74
Debt / equity
0.41▲
2024 · 0.19
ROE
25.9%▼
2024 · 36.3%
ROA
18.3%▼
2024 · 30.3%
Interest coverage
359.65▼
2024 · 500.03
Debt
€246k▲
2024 · €116k
Debt ≤ 1 year
€244k▲
2024 · €113k
Income taxes
€68k▼
2024 · €97k
Staff costs
€88k▲
2024 · €59k
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€712k€843k▲
Fixed assets21/28€62k€69k▲
Tangible fixed assets22/27€49k€56k▲
Land and buildings22€10k€8k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€37k€44k▲
Financial fixed assets28€13k€13k=
Current assets29/58€650k€775k▲
Amounts receivable within one year40/41€189k€153k▼
Trade receivables40€122k€121k▼
Other amounts receivable41€67k€32k▼
Current investments50/53-€350k
Cash at bank and in hand54/58€451k€263k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€712k€843k▲
Equity10/15€596k€598k▲
Contributions10/11€13k€13k=
Reserves13€583k€585k▲
Distributable reserves133€583k€585k▲
Amounts payable17/49€116k€246k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€113k€244k▲
Current portion of amounts payable after more than one year42€5k€1k▼
Trade debts44€61k€40k▼
Suppliers440/4€61k€40k▼
Taxes, remuneration and social security45€46k€58k▲
Taxes450/3€31k€17k▼
Remuneration and social security454/9€15k€41k▲
Other amounts payable47/48€2k€145k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€59k€88k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€273
Other operating charges640/8€2k€5k▲
Gross operating margin9900€390k€330k▼
Operating profit (loss)9901€312k€218k▼
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B€658€657▼
Recurring financial charges65€658€657▼
Profit (loss) for the period before taxes9903€312k€222k▼
Income taxes67/77€97k€68k▼
Profit (loss) for the period9904€216k€155k▼
Profit (loss) for the period to be appropriated9905€216k€155k▼
Appropriation of the result
Profit (loss) to be appropriated9906€216k€155k▼
Transfer from equity791/2€0€153k▲
Transfer to equity691/2€216k€155k▼
To the legal reserve6920€0-
To other reserves6921€216k€155k▼
Profit to be distributed694/7€0€153k▲
Return on contributions (dividend)694€0€153k▲
Social balance
Average headcount (FTE)90871.11.7▲
The notes to these accounts (11 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €216k ▲163%
Operating result €312k, net result €216k, both a record.
31-12
Financial
Equity above €500kEq €596k ▲56.9%
7 profitable years in a row build equity to €596k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
12-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 12 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 87 days late
2020
31-12
Financial
Weakest financial yearnet €6k ▼74.4%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
2019
31-12
Financial
Equity above €200kEq €210k ▲11.8%
2 profitable years in a row build equity to €210k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 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, Dendermonde · 1 establishment unit since 2005
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.
Kapelweg (MES) 89200 DendermondeGround area
1,255 m²
Building footprint
179 m²
Volume, LiDAR
1,088 m³
Parcel 42013A0104/00L000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAN WETTERE TONY
since 20052.147.453.801
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42013A0104/00L000 | Flanders | 1,255 m² | 1 · 179 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 222 EUR awarded · 222 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 222 EUR | 222 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
KONSTRUCTIEF
BE 0479.171.387
Zonhoven · Eq €598k
Isochape
BE 0685.523.942
Turnhout · Eq €601k
OXIRA
BE 0889.325.395
Ottignies-Louvain-la-Neuve · Eq €594k
CHASSIS ERNST
BE 0423.966.808
Blégny · Eq €592k
CERDO
BE 0450.656.654
Torhout · Eq €590k
Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 681 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2005
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476/25.78.02