Equity
€14.5m ▲ 6.7%
T & T DESIGN has made a profit in every financial year since 2006.
T & T DESIGN
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €23.9m (2016)
€15.1m▼ 14.7%
peak €2.7m (2016)
€911,302▼ 28.0%
peak €14.5m (2025)
€14.5m▲ 6.7%
€1.2m▼ 50.0%
peak 49.9 FTE (2018)
33.5 FTE▼ 8.7%
Board3 names since 2018
1 directorEFFIX INVEST
Owners
100%EFFIX INVEST
Documentsfilings and deeds
28-04-20262 days before the deadline
2025financial year
Turnover from €17.7m to €15.1mResult from €1.3m to €911,302Staff from 36.7 FTE to 33.5 FTEDebts from €2.5m to €1.2m
Key points
from the 2025 annual accountsStaff
40 employees on 30-09-2025
In 2025, 27 people joined and 29 left.
Payment terms
4 days to suppliers
T & T DESIGN pays its suppliers 19 days earlier than in 2024. Customers pay 1 day later.
Liquidity
11.42 was 5.19 in 2024
Short-term debts fell from €1.9m to €875,327.
Filings
23 annual accounts since 2003
Two of the last ten came late. The 2017 accounts came latest: 127 days after the end of the period.
Position in the sector
92.1%
Higher solvency than 95% of companies in retail trade. Sector median 36.2% · 5,068 companies.
Checked score
97
Excellent
Financially stronger than 73% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: 0.1%▲ +0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 11.42, cash €4.6m
Founded in 2002
Equity €14.5m (92.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 95% of them on solvency, 96% on liquidity, 66% on profitability and 35% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as T & T DESIGN has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of T & T DESIGN itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for T & T DESIGN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,400,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.42 (5.19 in 2024), above the usual 1.5. Short-term debt is 5.6% and cash 29.2% of total assets. 7.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 days early
2024
84 days late
2023
1 day early
2022
33 days early
2021
32 days early
2020
80 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 April (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Board and ownership
- EFFIX INVEST 100%equity €21.5m (2025) · 30-06-2025 annual accounts of EFFIX INVEST
Recent changes
Reappointment: De Roover & Partners Bedrijfsrevisoren BV (statutory auditor)
Permanent representative: MAURAU Effie · General meeting of 14-02-2023 · Gazette deed
New establishment in Zemst
Brusselsesteenweg 119A
New establishment in Lanaken
Steenweg 100
Reappointment: De Roover & Partners Bedrijfsrevisoren BV (statutory auditor)
Permanent representative: Effie Maurau · General meeting of 11-02-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| T & T DESIGN Ternat | €15.7m | - | 92.1% | 33.5 |
| DHONDT INTERIEUR Bruges | €5.2m | €1.6m | 24.4% | 24.4 |
| DISTRILED HUY Zwevegem | €9.3m | €2.2m | 82.9% | 34.5 |
| TOP TRADING Zwevegem | €4.7m | €1.7m | 61.4% | 31.7 |
| Re-uz-Belgium Grâce-Hollogne | €8.8m | €1.6m | 16.2% | 20.5 |
| VENTURA Merchtem | €6.1m | €1.5m | 22.7% | 24.5 |
| NCO Concept Antwerp | €7.1m | €0.8m | 77.3% | - |
These companies have the same main activity as T & T DESIGN: retail trade (NACE 47553). They are comparable in size and age: total assets between €4.7m and €9.3m, founded between 1980 and 2015.
Official details
Source: KBO- Status
- Active since 16-09-2002Normal situation
- Activity
- Retail tradeNACE 47553and 3 others
- Joint committees
- 201Independent retail
- 200Auxiliary committee for white-collar workers
- 100Auxiliary committee for blue-collar workers · annual accounts 30-09-2024
- Establishment units
- 2.232.029.9801740 Ternat, since 20-07-2009
- 2.226.414.8682110 Wijnegem, since 01-02-2014and 5 others
- Financial year end
- 30 September
- Peppol
- Reachable
Annual accounts to 30-09-2025
- €15.7m▼ 2.0%
- Employeeson 30-09-2025
- 40▼ 4.8%
- Filing
- Filed on 28-04-2026, 2 days before the end of the filing period
Insights on T & T DESIGN
T & T DESIGN has existed since 2002. Turnover grew from €7.6m in 2009 to €15.1m in 2025 and staff from 15.3 to 33.5 full-time equivalents.
Turnover has fallen every year since 2022. Solvency rose in 2025 from 84.5% to 92.1% because of the retained profit and lower debts.
EFFIX INVEST holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about T & T DESIGN
- What is the company number of T & T DESIGN?
- The company number of T & T DESIGN is 0478.340.850. The VAT number is the same number with BE in front: BE 0478.340.850.
- Where is T & T DESIGN based?
- The registered office is at Vitseroelstraat 69, 1740 Ternat.Company details
- What does T & T DESIGN do?
- According to the KBO register, the main activity is retail trade (NACE 47553).
- What is the legal form of T & T DESIGN?
- T & T DESIGN is a private limited company (BV).
- When was T & T DESIGN founded?
- T & T DESIGN was founded on 16-09-2002.
- Is T & T DESIGN still active?
- Yes, T & T DESIGN is an active enterprise in the KBO register.
- How many employees does T & T DESIGN have?
- T & T DESIGN had an average of 33.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does T & T DESIGN fall under?
- In its 30-09-2024 annual accounts, T & T DESIGN states joint committees 201 (Independent retail), 200 (Auxiliary committee for white-collar workers) and 100 (Auxiliary committee for blue-collar workers).
- What is the turnover of T & T DESIGN?
- The turnover of T & T DESIGN was €15.1m in financial year 2025, according to the filed annual accounts.
- Is T & T DESIGN profitable?
- In financial year 2025, T & T DESIGN made a profit of €911,302.
- Where can I find the annual accounts of T & T DESIGN?
- T & T DESIGN filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of T & T DESIGN due?
- T & T DESIGN must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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