T&VB Verzekeringen
ActiveSummary
T&VB Verzekeringen has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €290k and a net result of €36k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+26
Solvency83▲+19
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 6.48 against 1.6 in 2024; short-term debt: 5.9% and cash: 3.1% of total assets), and 41.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
58.4%
Return on assets
7.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
6 d early
2023
30 d late
2022
1 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
€290k▲ 14.0%
2024 · €254k
2022: €112k
2023: €242k
2024: €254k
2022 → 2025
Total assets
€496k▼ 24.1%
2024 · €654k
2022: €1.29M
2023: €640k
2024: €654k
2022 → 2025
Net result
€36k▲ 192%
2024 · €12k
2022: €109k
2023: €130k
2024: €12k
2022 → 2025
Working capital
€161k▲ 28.0%
2024 · €126k
2022: €7k
2023: €122k
2024: €126k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€112k-€242k▲ 116%€254k▲ 5.1%€290k▲ 14.0%
Operating result€155k-€177k▲ 14.3%€27k▼ 84.7%€57k▲ 109%
Net result€109k-€130k▲ 19.1%€12k▼ 90.6%€36k▲ 192%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 109% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€306k ▼ 3.5%
Current assets
€190k ▼ 43.5%
Equity and liabilities €496k
Equity
€290k ▲ 14.0%
Debt
€207k ▼ 48.3%
Debt's share of the balance-sheet total falls from 61.2% to 41.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€68k▲
2024 · €39k
Cash flow
€47k▲
2024 · €24k
Current ratio
6.48▲
2024 · 1.60
Debt to equity
0.71▼
2024 · 1.57
ROE
12.3%▲
2024 · 4.8%
ROA
7.2%▲
2024 · 1.9%
Interest coverage
7.06▲
2024 · 3.74
Debt ≤ 1 year
€29k▼
2024 · €211k
Debt > 1 year
€176k▼
2024 · €187k
Income taxes
€11k▲
2024 · €5k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€654k€496k▼
Fixed assets21/28€317k€306k▼
Tangible fixed assets22/27€317k€306k▼
Land and buildings22€315k€305k▼
Plant, machinery and equipment23€2k€994▼
Furniture and vehicles24€1k€461▼
Current assets29/58€337k€190k▼
Amounts receivable after more than one year29-€113k
Other amounts receivable291-€113k
Amounts receivable within one year40/41€115k€49k▼
Other amounts receivable41€115k€49k▼
Current investments50/53€13k€13k=
Cash at bank and in hand54/58€14k€15k▲
Deferred charges and accrued income490/1€194k-
Equity and liabilities
Total equity and liabilities10/49€654k€496k▼
Equity10/15€254k€290k▲
Contributions10/11€3k€3k=
Reserves13€252k€287k▲
Distributable reserves133€252k€287k▲
Amounts payable17/49€400k€207k▼
Amounts payable after more than one year17€187k€176k▼
Financial debts170/4€187k€176k▼
Amounts payable within one year42/48€211k€29k▼
Current portion of amounts payable after more than one year42€11k€27k▲
Trade debts44€5k€272▼
Suppliers440/4€5k€272▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€193k-
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€589€1k▲
Gross operating margin9900€39k€69k▲
Operating profit (loss)9901€27k€57k▲
Financial income75/76B€833-
Recurring financial income75€833-
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€18k€47k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€12k€36k▲
Profit (loss) for the period to be appropriated9905€12k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€36k▲
Transfer to equity691/2€12k€36k▲
To other reserves6921€12k€36k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 6.48
Current ratio from 1.60 to 6.48; short-term debt falls from €211k to €29k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €12k ▼90.6%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2022net €130k ▲19.1%
Operating result €177k, net result €130k, both a record.
31-12
Financial
Equity above €200kEq €242k ▲116%
2 profitable years in a row build equity to €242k.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day 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, Meerhout · 1 establishment unit since 2021
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.
Schoolstraat 1222450 MeerhoutGround area
1,338 m²
Building footprint
189 m²
Volume, LiDAR
844 m³
Parcel 13021B1111/00E000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
T&VB Verzekeringen
since 20212.318.511.123
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13021B1111/00E000 | Flanders | 1,338 m² | 1 · 189 m² | 7.5 m · 1 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
Legal Entity Identifier
254900NQXH8IQ6M02Q18
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,338 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
Founded22-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:Yon.theeuws@dvv.be
Phone:0474479989