T2CM
ActiveT2CM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 65% of 6963 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +48 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+6
Growth32=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 1.84 in 2024), and 29.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
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
70.2%
Return on assets
25.7%
Age of the figures
8 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 27-08-2026, 27 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 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
41 d early
2022
18 d early
2021
26 d late
2020
30 d late
2019
31 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 57.7%
2024 · €37k
2018: €95k
2019: €-20k
2020: €-17k
2021: €34k
2022: €42k
2023: €64k
2024: €37k
2018 → 2025
Total assets
€84k▲ 27.2%
2024 · €66k
2018: €110k
2019: €66k
2020: €64k
2021: €86k
2022: €109k
2023: €106k
2024: €66k
2018 → 2025
Net result
€22k
2024 · €-15k
2018: €50k
2019: €-115k
2020: €3k
2021: €51k
2022: €46k
2023: €35k
2024: €-15k
2018 → 2025
Working capital
€50k▲ 109%
2024 · €24k
2018: €75k
2019: €-14k
2020: €-10k
2021: €34k
2022: €19k
2023: €51k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€42k▲ 24.4%€64k▲ 51.4%€37k▼ 41.1%€59k▲ 57.7%
Operating result€53k-€60k▲ 11.7%€50k▼ 16.1%€-12k€32k
Net result€51k-€46k▼ 8.8%€35k▼ 25.2%€-15k€22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €32k after a loss of €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€9k▼ 33.9%
Current assets
€75k▲ 43.0%
Equity and liabilities €84k
Equity
€59k▲ 57.7%
Debt
€25k▼ 12.7%
The debt ratio falls from 43.4% to 29.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€36k▲
2024 · €-8k
Cash flow
€26k▲
2024 · €-10k
Solvency
70.2%▲
2024 · 56.6%
Current ratio
3.02▲
2024 · 1.84
Quick ratio
3.02▲
2024 · 1.84
Debt / equity
0.42▼
2024 · 0.77
ROE
36.6%▲
2024 · -39.4%
ROA
25.7%▲
2024 · -22.3%
Interest coverage
17.86▲
2024 · -3.25
Debt
€25k▼
2024 · €29k
Debt ≤ 1 year
€25k▼
2024 · €28k
Income taxes
€8k▲
2024 · €220
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€66k€84k▲
Fixed assets21/28€14k€9k▼
Tangible fixed assets22/27€13k€9k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€8k€6k▼
Financial fixed assets28€200-
Current assets29/58€52k€75k▲
Amounts receivable within one year40/41€23k€21k▼
Trade receivables40€18k€16k▼
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€25k€52k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€66k€84k▲
Equity10/15€37k€59k▲
Contributions10/11€1k€1k=
Reserves13€51k€58k▲
Distributable reserves133€51k€58k▲
Profit (loss) carried forward14€-14k€129▲
Amounts payable17/49€29k€25k▼
Amounts payable within one year42/48€28k€25k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€12k€11k▼
Other amounts payable47/48€9k€9k▼
Accrued charges and deferred income492/3€228€211▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-6k€38k▲
Operating profit (loss)9901€-12k€32k▲
Financial income75/76B€241€17▼
Recurring financial income75€241€17▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-15k€30k▲
Income taxes67/77€220€8k▲
Profit (loss) for the period9904€-15k€22k▲
Profit (loss) for the period to be appropriated9905€-15k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€7k▲
Profit (loss) brought forward from the previous period14P€277€-14k▼
Transfer to equity691/2-€7k
To other reserves6921-€7k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €51k ▲1616%
Net result €51k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.93
Current ratio from 0.83 to 1.93; short-term debt falls from €57k to €37k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-115k ▼329%
Net result drops to €-115k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
24-07
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
4 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, Overijse · 1 establishment unit since 2009
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.
Drogenberg 793090 OverijseGround area
2.5 ha
Building footprint
508 m²
Parcel 23544D0135/00F006, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Home Heroes
since 20092.176.036.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544D0135/00F006indicative | Flanders | 2.5 ha | 1 · 508 m² | 0.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Aures
BE 0669.528.246
Waregem · Eq €59k
BASTIN TRAVEL
BE 0667.708.012
Couvin · Eq €59k
CoachYou
BE 0685.767.531
Kraainem · Eq €59k
Joie de Viv
BE 0800.560.992
Herent · Eq €59k
Texho
BE 0781.286.993
Linter · Eq €59k
Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,545 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2009
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:02/7623643