T4T
ActiveSummary
The computed 12-month bankruptcy probability of T4T is 2.6% (moderate). The 2025 annual accounts show equity of €1.23M and a net result of €45k. Equity remains stable across the filed fiscal years (±1.8% per year). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability20▲+1
Solvency43▼-1
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days only on tighter terms
Liquidity tight (current ratio 1.0 against 0.92 in 2024; short-term debt: 11.6% and cash: 0.3% of total assets), and 81.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
18.5%
Return on assets
0.7%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
23 d early
2024
23 d early
2023
30 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.23M▲ 3.8%
2024 · €1.18M
2023: €1.19M
2024: €1.18M▼ -0.2% vs 2023lowest in 3 years
2025: €1.23M▲ +3.8% vs 2024highest in 3 years
2023 → 2025
Total assets
€6.66M▲ 4.5%
2024 · €6.37M
2023: €6.03Mlowest in 3 years
2024: €6.37M▲ +5.6% vs 2023
2025: €6.66M▲ +4.5% vs 2024highest in 3 years
2023 → 2025
Net result
€45k
2024 · €-2k
2023: €-64klowest in 3 years
2024: €-2k▲ +96.7% vs 2023
2025: €45k▲ +2250% vs 2024highest in 3 years
2023 → 2025
Working capital
€3k
2024 · €-42k
2023: €-41k
2024: €-42k▼ -4.1% vs 2023lowest in 3 years
2025: €3k▲ +108% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€1.19M-€1.18M▼ 0.2%€1.23M▲ 3.8%
2023: €1.19M
2024: €1.18M▼ -0.2% vs 2023lowest in 3 years
2025: €1.23M▲ +3.8% vs 2024highest in 3 years
Operating result€-812-€-2k▼ 158%€-1k▲ 29.2%
2023: €-812highest in 3 years
2024: €-2k▼ -158% vs 2023lowest in 3 years
2025: €-1k▲ +29.2% vs 2024
Net result€-64k-€-2k▲ 96.7%€45k
2023: €-64klowest in 3 years
2024: €-2k▲ +96.7% vs 2023
2025: €45k▲ +2250% vs 2024highest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.66M
Fixed assets
€5.88M =
Current assets
€776k ▲ 59.0%
Equity and liabilities €6.66M
Equity
€1.23M ▲ 3.8%
Debt
€5.43M ▲ 4.7%
Debt's share of the balance-sheet total rises from 81.4% to 81.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-1k▲
2024 · €-2k
Cash flow
€46k▲
2024 · €-2k
Current ratio
1.00▲
2024 · 0.92
Debt to equity
4.42▲
2024 · 4.38
ROE
3.7%▲
2024 · -0.2%
ROA
0.7%▲
2024 · 0.0%
Interest coverage
0.00▲
2024 · 0.00
Debt ≤ 1 year
€773k▲
2024 · €530k
Debt > 1 year
€4.66M=
2024 · €4.66M
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 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.37M€6.66M▲
Formation expenses20€1k€933▼
Fixed assets21/28€5.88M€5.88M=
Financial fixed assets28€5.88M€5.88M=
Current assets29/58€488k€776k▲
Amounts receivable within one year40/41€466k€756k▲
Other amounts receivable41€466k€756k▲
Cash at bank and in hand54/58€22k€20k▼
Equity and liabilities
Total equity and liabilities10/49€6.37M€6.66M▲
Equity10/15€1.18M€1.23M▲
Contributions10/11€1.25M€1.25M=
Profit (loss) carried forward14€-66k€-21k▲
Amounts payable17/49€5.19M€5.43M▲
Amounts payable after more than one year17€4.66M€4.66M=
Financial debts170/4€4.66M€4.66M=
Amounts payable within one year42/48€530k€773k▲
Trade debts44€1k-
Suppliers440/4€1k-
Other amounts payable47/48€529k€773k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€420€420=
Gross operating margin9900€-2k€-1k▲
Operating profit (loss)9901€-2k€-1k▲
Financial income75/76B€340k€290k▼
Recurring financial income75€340k€290k▼
Financial charges65/66B€340k€244k▼
Recurring financial charges65€340k€244k▼
Profit (loss) for the period before taxes9903€-2k€45k▲
Profit (loss) for the period9904€-2k€45k▲
Profit (loss) for the period to be appropriated9905€-2k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-66k€-21k▲
Profit (loss) brought forward from the previous period14P€-64k€-66k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €327 | €420 | €420 | = |
| Gross operating margin9900 | €-485 | €-2k | €-1k | ▲ 36.5% |
| Operating profit (loss)9901 | €-812 | €-2k | €-1k | ▲ 29.2% |
| Financial income75/76B | €127k | €340k | €290k | ▼ 14.4% |
| Recurring financial income75 | €127k | €340k | €290k | ▼ 14.4% |
| Financial charges65/66B | €190k | €340k | €244k | ▼ 28.2% |
| Recurring financial charges65 | €190k | €340k | €244k | ▼ 28.2% |
| Profit (loss) for the period before taxes9903 | €-64k | €-2k | €45k | ▲ 2,250% |
| Profit (loss) for the period9904 | €-64k | €-2k | €45k | ▲ 2,250% |
| Profit (loss) for the period to be appropriated9905 | €-64k | €-2k | €45k | ▲ 2,250% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €6.03M | €6.37M | €6.66M | ▲ 4.5% |
| Formation expenses20 | €2k | €1k | €933 | ▼ 31.0% |
| Fixed assets21/28 | €5.88M | €5.88M | €5.88M | = |
| Financial fixed assets28 | €5.88M | €5.88M | €5.88M | = |
| Current assets29/58 | €149k | €488k | €776k | ▲ 59.0% |
| Amounts receivable within one year40/41 | €127k | €466k | €756k | ▲ 62.3% |
| Other amounts receivable41 | €127k | €466k | €756k | ▲ 62.3% |
| Cash at bank and in hand54/58 | €22k | €22k | €20k | ▼ 10.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €6.03M | €6.37M | €6.66M | ▲ 4.5% |
| Equity10/15 | €1.19M | €1.18M | €1.23M | ▲ 3.8% |
| Contributions10/11 | €1.25M | €1.25M | €1.25M | = |
| Profit (loss) carried forward14 | €-64k | €-66k | €-21k | ▲ 68.5% |
| Amounts payable17/49 | €4.84M | €5.19M | €5.43M | ▲ 4.7% |
| Amounts payable after more than one year17 | €4.66M | €4.66M | €4.66M | = |
| Financial debts170/4 | €4.66M | €4.66M | €4.66M | = |
| Amounts payable within one year42/48 | €190k | €530k | €773k | ▲ 45.7% |
| Trade debts44 | - | €1k | - | - |
| Suppliers440/4 | - | €1k | - | - |
| Other amounts payable47/48 | €190k | €529k | €773k | ▲ 46.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-64k | €-2k | €45k | ▲ 2,250% |
| + Depreciation and write-downs630 | €327 | €420 | €420 | = |
| Operating cash flow (approximation) | €-64k | €-2k | €46k | ▲ 2,812% |
| Investment in fixed assets (approximation) | - | €-420 | €-420 | = |
| Change in cash | - | €-392 | €-2k | ▼ 485% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €45k
Net result €45k after 2 loss-making years.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Liège · 1 establishment unit since 2023
Ground area
1,984 m²
Building footprint
1,376 m²
Volume, LiDAR
20,780 m³
Parcel 62803A1420/00K000, Wallonia · tallest building 17.2 m, ±5 floors. Linked by address, not a title deed.
22
companies at this address
See who is registered here
1 establishment unit
T4T
since 20232.348.583.103
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803A1420/00K000 | Wallonia | 1,984 m² | 1 · 1,376 m² | 17.2 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded23-03-2023
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.