T.TRADING
ActiveSummary
T.TRADING has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-7k) and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
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
Profitability27▼-42
Solvency21▼-8
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.44 against 0.5 in 2024; short-term debt: 61.3% and cash: 1.6% of total assets), and equity is negative.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
-3.9%
Return on assets
-8.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-7k
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
22 d early
2023
12 d early
2022
13 d early
2021
18 d late
2020
37 d early
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-7k
2024 · €8k
2018: €6k
2019: €23k
2020: €39k
2021: €46k
2022: €23k
2023: €8k
2024: €8k
2018 → 2025
Total assets
€176k▼ 8.2%
2024 · €191k
2018: €190k
2019: €190k
2020: €186k
2021: €201k
2022: €216k
2023: €193k
2024: €191k
2018 → 2025
Net result
€-15k
2024 · €372
2018: €5k
2019: €17k
2020: €15k
2021: €8k
2022: €-24k
2023: €-15k
2024: €372
2018 → 2025
Working capital
€-60k▼ 16.2%
2024 · €-52k
2018: €-49k
2019: €-41k
2020: €-26k
2021: €-32k
2022: €-52k
2023: €-57k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€23k▼ 50.9%€8k▼ 66.9%€8k▲ 4.9%€-7k
Operating result€9k-€-22k€-14k▲ 38.1%€2k€-13k
Net result€8k-€-24k€-15k▲ 35.4%€372€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€128k ▼ 8.3%
Current assets
€47k ▼ 7.9%
Key figures and ratios
EBITDA
€4k▼
2024 · €19k
Cash flow
€2k▼
2024 · €17k
Solvency
-3.9%▼
2024 · 4.1%
Current ratio
0.44▼
2024 · 0.50
Quick ratio
0.20▼
2024 · 0.24
Debt to equity
-26.58▼
2024 · 23.11
ROA
-8.4%▼
2024 · 0.2%
Interest coverage
2.21▼
2024 · 12.20
Debt
€182k▼
2024 · €183k
Debt ≤ 1 year
€108k▲
2024 · €103k
Debt > 1 year
€75k▼
2024 · €80k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€191k€176k▼
Fixed assets21/28€140k€128k▼
Tangible fixed assets22/27€140k€128k▼
Land and buildings22€111k€104k▼
Plant, machinery and equipment23€28k€23k▼
Furniture and vehicles24€669€634▼
Financial fixed assets28€99€99=
Current assets29/58€52k€47k▼
Stocks and contracts in progress3€27k€26k▼
Stocks30/36€27k€26k▼
Amounts receivable within one year40/41€14k€19k▲
Trade receivables40€11k€15k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€191k€176k▼
Equity10/15€8k€-7k▼
Contributions10/11€136k€136k=
Revaluation surpluses12€106k€106k=
Profit (loss) carried forward14€-234k€-249k▼
Amounts payable17/49€183k€182k▼
Amounts payable after more than one year17€80k€75k▼
Financial debts170/4€15k€7k▼
Other amounts payable178/9€65k€67k▲
Amounts payable within one year42/48€103k€108k▲
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€7k€11k▲
Suppliers440/4€7k€11k▲
Advances received on contracts in progress46€12k€11k▼
Other amounts payable47/48€77k€78k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€22k€7k▼
Operating profit (loss)9901€2k€-13k▼
Financial income75/76B€43€1▼
Recurring financial income75€43€1▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€372€-15k▼
Profit (loss) for the period9904€372€-15k▼
Profit (loss) for the period to be appropriated9905€372€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-234k€-249k▼
Profit (loss) brought forward from the previous period14P€-234k€-234k▲
The notes to these accounts (9 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €372
Net result €372 after 2 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-24k ▼405%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Highest result since 2018net €17k ▲225%
Operating result €20k, net result €17k, both a record.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 1999
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.
Rue de Montigny 136000 CharleroiGround area
416 m²
Building footprint
112 m²
Volume, LiDAR
1,972 m³
Parcel 52011C0048/00V000, Wallonia · tallest building 25.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
T.TRADING SRL
since 19992.092.246.943
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011C0048/00V000 | Wallonia | 416 m² | 1 · 112 m² | 25.9 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.092.246.943
Similar companies · same sector, comparable size
DEVELOPMENT WIZARDS
BE 0468.738.246
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PURE PROPRE PROFESSIONNEL
BE 0879.339.642
La Louvière · Eq €8,055
ALL CHAMPI
BE 0899.334.213
Brussel · Eq €8,063
VIMABEL
BE 0665.874.118
Arlon · Eq €8,088
YATOO
BE 0891.224.023
Nivelles · Eq €8,108
Of 4,243 companies in sector 47789 we hold annual accounts for 1,019. 432 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47789Other retail sale of new goods
47621Retail sale of newspapers and periodicals
47640Retail sale of games and toys
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.phisafetyplus.com