Skip to content
Checked.be
Complete company report
Generated 29-07-2026
Active BE 0822.120.728Private limited company (pre-2019)Open bankruptcy

T4U

Bredabaan 485 ·2170 Antwerpen, Belgium· 16 yrs active
Conclusion Checked

A bankruptcy procedure is open for T4U according to publications in the Belgian State Gazette. The 2021 annual accounts show negative equity (€-26k) and a net result of €2k.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €-26k
Net result €2k
Active 16 yrs
Locations 1
Snowflake analysis 5 axes · computed by Checked
Health0Profitability0Solvency33Growth58Stability0
18 / 100

Fragile profile, watch health in particular.

Health 0
Profitability 0
Solvency 33
Growth 58
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High risk
Components
· Open bankruptcy (+50)
Trust signals 1 signals
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No administrative flags
Health barometer FY 2021 · computed
0 / 100 Critical
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 19-09-2022 with the NBB · fiscal year 2021 · micro
€-60k€-40k€-20k€0Operating result 2018: €3k€3kNet result 2018: €-3k€-3kOperating result 2019: €-21k€-21kNet result 2019: €-24k€-24kOperating result 2020: €-24k€-24kNet result 2020: €-48k€-48kOperating result 2021: €3k€3kNet result 2021: €2k€2k2018201920202021
Operating resultNet result
EBITDA
€5k
- 18-21
Net profit
€2k
- 18-21
Cash flow
€5k
- 18-21
Total assets
€16k
+11.6% 18-21
Equity
€-26k
+8.6% 18-21
Working capital
€-36k
+0.2% 18-21
Employees (FTE)
1
+50.0% 18-21
Staff costs
€331
- 18-21
Income taxes
€15
-93.2% 18-21
Debt
€42k
-1.9% 18-21
Debt ≤ 1y
€42k
-1.9% 18-21
Current ratio
0.15
-8.9% 18-21
Quick ratio
0.15
-8.9% 18-21
Solvency
-165.7%
+18.1% 18-21
Debt / equity
-1.60
- 18-21
ROE
-9.4%
- 18-21
ROA
15.6%
- 18-21
Interest coverage
20.72
- 18-21
Figures by fiscal year
Fiscal year2021
Revenue-
EBITDA€5k
Net profit€2k
Cash flow€5k
Staff costs€331
Income taxes-
Dividends-
Total assets€16k
Equity€-26k
Debt€42k
of which ≤ 1y€42k
of which > 1y-
Working capital€-36k
Employees (FTE)-
Ratios (computed)
2021
Current ratio0.15
Quick ratio0.15
Working capital ratio-224.9%
Solvency-165.7%
Debt / equity-1.60
Long-term debt ratio-
Interest coverage20.72
Gross margin-
Net margin-
ROA15.6%
ROE-9.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2021
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€16k
Fixed assets 21/28€9k
Tangible fixed assets 22/27€9k
Current assets 29/58€7k
Amounts receivable within one year 40/41€6k
Cash & bank 54/58€65
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€16k
Equity 10/15€-26k
Contributions / capital 10/11€19k
Reserves 13€188
Accumulated profits (losses) 14€-45k
Amounts payable 17/49€42k
Amounts payable within one year 42/48€42k
Trade debts payable within one year 44€13k
Income statement
Gross operating margin 9900€7k
Operating result 9901€3k
Financial income 75€0
Financial charges 65€228
Result before taxes 9903€2k
Net result for the period 9904€2k
Result to be appropriated 9905€2k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates1 person
Role Name Tenure Source
Curator TIM DE MOERLOOSE
LEIEKAAI 25/C-D, 9000 GENT-
 18-09-2025 → present Belgian State Gazette
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation11-01-2010
StatusActive
Postal code2170
First BS signal 24-09-2025
Latest BS signal 24-09-2025
Company structure, linked entities1 linked entities
T4UBE 0822.120.728TIM DE MOERLOOSEReceiver
Mandates
Establishment units 1 location
T4U
Sint-Jansplein 57, 2060 AntwerpenPersonenvervoer over de weg zonder dienstregeling
since 20102.184.911.043
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11422C0294/00T002 Flanders 260 m² 1 · 220 m² 17.9 m · 5 fl.
11807G1288/00M004 Flanders 113 m² 1 · 113 m² 14.9 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
24-09-2025
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · T4U BV BREDABAAN 485, 2170 MERKSEM (ANTWERPEN) · event 18-09-2025
23-01-2025
State Gazette act Director changes
2024
13-08-2024
State Gazette act Director changes
2022
19-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
12-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
11-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
13-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
20-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
05-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
29-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
10-11-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
29-08-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
2013
29-03-2013
NBB filing Annual accounts filed
fiscal year 2012 · verkort
Lifecycle & Insolvency Signals 1 events
24-09-2025
Bankruptcy Opening
Date: 18-09-2025 · Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · T4U BV BREDABAAN 485, 2170 MERKSEM (ANTWERPEN) · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-09-24 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
23-01-2025 1 director appointed, 1 resigning Director changes
  • Stefanov Stefan, Zaakvoerder
  • Hama Salan, Zaakvoerder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Hama Salan",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-10-01",
      "evidence_quote": "het ontslag als zaakvoerder van de heer Hama Salan wordt per 01.10.2024 aanvaard. D\u00E9charge wordt hem verleend.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Stefanov Stefan",
        "address": "Van der Delftstraat 20 te 2100 Antwerpen",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-10-01",
      "evidence_quote": "tot nieuwe zaakvoerder wordt benopemd en die aanvaardt de heer Stefanov Stefan wonende Van der Delftstraat 20 te 2100 Antwerpen en dit per 01.10.2024.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "board_snapshot",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Stefanov Stefan",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-10-01",
      "evidence_quote": "op datum van 01.10.2024 zijn al de aandelen in bezit van de heer Stefanov Stefan.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Hama Salan",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "D\u00E9charge wordt hem verleend.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-01-23",
    "filing_date": "2025-01-07",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-10-01",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0822.120.728",
    "name_full": "T4U",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
13-08-2024 1 director appointed, 1 resigning Director changes
  • HAMA Salah Rafat, Bestuurder
  • MIAN Mohammad Awais, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "MIAN Mohammad Awais",
        "address": "2060 Antwerpen, Van Helmontstraat 7",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-07-01",
      "evidence_quote": "ontslagen vanaf 1 juli 2024 van MIAN Mohammad Awais, wonende te 2060 Antwerpen, Van Helmontstraat 7. Er werd hem volledige kwijting verleend voor de uitoefening van zijn mandaat in het afgelopen boekjaar.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "HAMA Salah Rafat",
        "address": "2000 Antwerpen, Waalsekaai 7 bus 4",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-07-01",
      "evidence_quote": "benoemd vanaf 1 juli 2024 van HAMA Salah Rafat, wonende te 2000 Antwerpen, Waalsekaai 7 bus 4 tot bestuurder",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-08-13",
    "filing_date": "2024-07-01",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "enige_bestuurder",
      "date": "2024-07-03",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0822.120.728",
    "name_full": "T4U",
    "legal_form": "besloten vennootschap (met beperkte aansprakelijkheid)"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "HAMA Salah Rafat",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL T4U
Registered office
Bredabaan 485
2170 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative