T4U
ActiveSummary
T4U has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93,519 and a net result of €15,918. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 4735 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▼-1
Solvency72▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.27 in 2024; short-term debt: 23.8% and cash: 23.8% of total assets), but 53.2% of the assets are financed with debt.
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Signals
Two 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 09-09-2025, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
2 d early
2023
13 d late
2022
on the day
2021
2 d early
2020
43 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 29 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close30-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€93,519▲ 9.8%
2024 · €85,183
Total assets
€199,869▼ 1.6%
2024 · €203,156
Net result
€15,918▼ 11.8%
2024 · €18,039
Working capital
€39,582▲ 142%
2024 · €16,381
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,641▲ 73.9%€27,779▲ 28.4%€64,544▲ 132%€13,167▼ 79.6%€24,546▲ 86.4%
Net result€16,868above the sector's middle half▲ 122%€22,061above the sector's middle half▲ 30.8%€44,383above the sector's middle half▲ 101%€18,039above the sector's middle half▼ 59.4%€15,918above the sector's middle half▼ 11.8%
Equity€43,423within the sector's middle half▼ 6.7%€54,133within the sector's middle half▲ 24.7%€77,016above the sector's middle half▲ 42.3%€85,183above the sector's middle half▲ 10.6%€93,519above the sector's middle half▲ 9.8%
Total assets€148,870within the sector's middle half▼ 1.6%€169,318within the sector's middle half▲ 13.7%€229,755above the sector's middle half▲ 35.7%€203,156above the sector's middle half▼ 11.6%€199,869above the sector's middle half▼ 1.6%
Debt€48,337▲ 1.5%€58,074▲ 20.1%€95,628▲ 64.7%€60,863▼ 36.4%€49,239▼ 19.1%
Working capital€76,250above the sector's middle half▲ 16.2%€85,978above the sector's middle half▲ 12.8%€4,731within the sector's middle half▼ 94.5%€16,381within the sector's middle half▲ 246%€39,582above the sector's middle half▲ 142%
Solvency29.2%within the sector's middle half▼ 1.6pp32.0%within the sector's middle half▲ 2.8pp33.5%within the sector's middle half▲ 1.5pp41.9%within the sector's middle half▲ 8.4pp46.8%within the sector's middle half▲ 4.9pp
Current ratio2.58above the sector's middle half▲ 0.202.48above the sector's middle half▼ 0.101.05within the sector's middle half▼ 1.431.27within the sector's middle half▲ 0.221.83within the sector's middle half▲ 0.56
Return on assets (ROA)11.3%within the sector's middle half▲ 6.3pp13.0%above the sector's middle half▲ 1.7pp19.3%above the sector's middle half▲ 6.3pp8.9%within the sector's middle half▼ 10.4pp8.0%within the sector's middle half▼ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
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 86% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199,869
Fixed assets
€112,713 ▼ 10.5%
Current assets
€87,157 ▲ 12.8%
Equity and liabilities €199,869
Equity
€93,519 ▲ 9.8%
Provisions
€57,111 =
Debt
€49,239 ▼ 19.1%
Debt's share of the balance-sheet total falls from 30.0% to 24.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44,664▲
2024 · €31,491
Cash flow
€36,036▼
2024 · €36,363
Debt to equity
0.53▼
2024 · 0.71
ROE
17.0%▼
2024 · 21.2%
Interest coverage
13.31▲
2024 · 13.26
Debt ≤ 1 year
€47,575▼
2024 · €60,863
Debt > 1 year
€968
Income taxes
€7,717▼
2024 · €9,343
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,596 | €13,557 | €11,879 | €18,324 | €20,118 | ▲ 9.8% |
| Other operating charges640/8 | - | €3,501 | €3,516 | €3,871 | €3,557 | ▼ 8.1% |
| Gross operating margin9900 | €47,194 | €44,836 | €79,938 | €35,362 | €48,221 | ▲ 36.4% |
| Operating profit (loss)9901 | €21,641 | €27,779 | €64,544 | €13,167 | €24,546 | ▲ 86.4% |
| Financial income75/76B | - | €9,009 | €1,515 | €16,590 | €2,445 | ▼ 85.3% |
| Recurring financial income75 | €1,457 | €9,009 | €1,515 | €16,590 | €2,445 | ▼ 85.3% |
| Financial charges65/66B | - | €712 | €4,037 | €2,375 | €3,355 | ▲ 41.3% |
| Recurring financial charges65 | -€2,822 | €712 | €4,037 | €2,375 | €3,355 | ▲ 41.3% |
| Profit (loss) for the period before taxes9903 | €25,920 | €36,076 | €62,021 | €27,382 | €23,635 | ▼ 13.7% |
| Income taxes67/77 | €9,052 | €14,015 | €17,638 | €9,343 | €7,717 | ▼ 17.4% |
| Profit (loss) for the period9904 | €16,868 | €22,061 | €44,383 | €18,039 | €15,918 | ▼ 11.8% |
| Transfer from tax-exempt reserves789 | - | €18,432 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €24,685 | €40,493 | €44,383 | €18,039 | €15,918 | ▼ 11.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €148,870 | €169,318 | €229,755 | €203,156 | €199,869 | ▼ 1.6% |
| Fixed assets21/28 | €24,283 | €25,266 | €129,396 | €125,912 | €112,713 | ▼ 10.5% |
| Tangible fixed assets22/27 | €24,283 | €25,266 | €129,396 | €125,912 | €112,713 | ▼ 10.5% |
| Land and buildings22 | - | - | €116,311 | €112,187 | €100,849 | ▼ 10.1% |
| Plant, machinery and equipment23 | - | €9,223 | - | - | - | - |
| Furniture and vehicles24 | - | €16,042 | €13,084 | €13,725 | €11,863 | ▼ 13.6% |
| Current assets29/58 | €124,587 | €144,052 | €100,359 | €77,244 | €87,157 | ▲ 12.8% |
| Amounts receivable within one year40/41 | €54,692 | €68,017 | €63,151 | €51,898 | €32,279 | ▼ 37.8% |
| Trade receivables40 | - | €54,528 | €54,810 | €45,012 | €29,877 | ▼ 33.6% |
| Other amounts receivable41 | - | €13,489 | €8,341 | €6,886 | €2,403 | ▼ 65.1% |
| Current investments50/53 | €26,916 | €20,931 | €16,210 | €8,409 | €6,332 | ▼ 24.7% |
| Cash at bank and in hand54/58 | €42,979 | €55,104 | €20,998 | €16,937 | €47,545 | ▲ 181% |
| Deferred charges and accrued income490/1 | - | - | - | - | €1,000 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €148,870 | €169,318 | €229,755 | €203,156 | €199,869 | ▼ 1.6% |
| Equity10/15 | €43,423 | €54,133 | €77,016 | €85,183 | €93,519 | ▲ 9.8% |
| Contributions10/11 | - | €6,200 | €6,200 | €0 | - | - |
| Reserves13 | €37,223 | €47,933 | €70,816 | €85,183 | €93,519 | ▲ 9.8% |
| Distributable reserves133 | - | €47,933 | €70,816 | €85,183 | €93,519 | ▲ 9.8% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €57,111 | €57,111 | €57,111 | €57,111 | €57,111 | = |
| Provisions for liabilities and charges160/5 | - | €57,111 | €57,111 | €57,111 | €57,111 | = |
| Pensions and similar obligations160 | - | €57,111 | €57,111 | €57,111 | €57,111 | = |
| Amounts payable17/49 | €48,337 | €58,074 | €95,628 | €60,863 | €49,239 | ▼ 19.1% |
| Amounts payable after more than one year17 | - | - | - | - | €968 | - |
| Financial debts170/4 | - | - | - | - | €968 | - |
| Amounts payable within one year42/48 | €48,337 | €58,074 | €95,628 | €60,863 | €47,575 | ▼ 21.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | €2,922 | €1,003 | ▼ 65.7% |
| Trade debts44 | €8,666 | €18,023 | €28,622 | €10,737 | €17,606 | ▲ 64.0% |
| Suppliers440/4 | - | €18,023 | €28,622 | €10,737 | €17,606 | ▲ 64.0% |
| Taxes, remuneration and social security45 | - | €26,700 | €45,960 | €24,828 | €14,763 | ▼ 40.5% |
| Taxes450/3 | - | €26,700 | €45,960 | €24,828 | €14,763 | ▼ 40.5% |
| Other amounts payable47/48 | - | €13,351 | €21,046 | €22,375 | €14,202 | ▼ 36.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €697 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,868 | €22,061 | €44,383 | €18,039 | €15,918 | ▼ 11.8% |
| + Depreciation and write-downs630 | €21,596 | €13,557 | €11,879 | €18,324 | €20,118 | ▲ 9.8% |
| Operating cash flow (approximation) | €38,463 | €35,618 | €56,262 | €36,363 | €36,036 | ▼ 0.9% |
| Investment in fixed assets (approximation) | - | -€14,539 | -€116,009 | -€14,840 | -€6,919 | ▲ 53.4% |
| Change in cash | - | €12,125 | -€34,106 | -€4,061 | €30,608 | ▲ 854% |
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
2025
17-12
State Gazette act
Board meeting · Director resignation
Permanent representative · Director appointment
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
13-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
16-10
State Gazette act
General meeting · Board meeting
Capital increase · Capital
31-03
Financial
Highest result since 2019net €44,383 ▲101%
Operating result €64,544, net result €44,383, both a record.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oostende · 1 establishment unit since 2000
Ground area
599 m²
Building footprint
154 m²
Volume, LiDAR
910 m³
Parcel 35383C0394/00D003, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T4U
since 20002.101.090.175
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0394/00D003 | Flanders | 599 m² | 1 · 154 m² | 11.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,724 EUR awarded · 1,724 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,724 EUR | 1,724 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
894500CUIUNHVP8FHT29
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Of 6,998 companies in sector 96999 we hold annual accounts for 603. 431 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-11-2000
Fiscal year end31-03
Trade name NL
TECHNOLOGY FOR YOU
Activities, NACEBEL 2025
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473200939
Also
9925:BE0473200939
Registered
13-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.