Summary
TAB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €56,448 and a net result of €53,448. Equity is growing by ~38.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 8091 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 8091 sector peers (2025).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 25%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
13 d early
2023
20 d early
2022
19 d early
2021
18 d early
2020
19 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 13 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€56,448▼ 54.8%
2024 · €124,781
Net result
€53,448▼ 32.7%
2024 · €79,435
Total assets
€274,736▲ 78.1%
2024 · €154,270
Solvency
20.5%▼ 60.3pp
2024 · 80.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€50,711▲ 1,674%€45,736▼ 9.8%€63,048▲ 37.9%€90,153▲ 43.0%€64,630▼ 28.3%
Net result€40,359within the sector's middle half▲ 1,851%€35,758within the sector's middle half▼ 11.4%€53,665within the sector's middle half▲ 50.1%€79,435within the sector's middle half▲ 48.0%€53,448within the sector's middle half▼ 32.7%
Equity€45,427within the sector's middle half▲ 796%€81,186within the sector's middle half▲ 78.7%€134,850within the sector's middle half▲ 66.1%€124,781within the sector's middle half▼ 7.5%€56,448within the sector's middle half▼ 54.8%
Total assets€60,793below the sector's middle half▲ 300%€94,610below the sector's middle half▲ 55.6%€145,115within the sector's middle half▲ 53.4%€154,270within the sector's middle half▲ 6.3%€274,736within the sector's middle half▲ 78.1%
Debt€15,365▲ 51.9%€13,424▼ 12.6%€10,265▼ 23.5%€29,489▲ 187%€218,289▲ 640%
Working capital€45,427within the sector's middle half▲ 796%€81,186within the sector's middle half▲ 78.7%€134,850within the sector's middle half▲ 66.1%€119,404within the sector's middle half▼ 11.5%-€53,751below the sector's middle half
Solvency74.7%within the sector's middle half▲ 41.4pp85.8%above the sector's middle half▲ 11.1pp92.9%above the sector's middle half▲ 7.1pp80.9%above the sector's middle half▼ 12.0pp20.5%below the sector's middle half▼ 60.3pp
Current ratio3.96within the sector's middle half▲ 2.467.05above the sector's middle half▲ 3.0914.14above the sector's middle half▲ 7.095.05above the sector's middle half▼ 9.090.75within the sector's middle half▼ 4.30
Return on assets (ROA)66.4%above the sector's middle half▲ 52.8pp37.8%above the sector's middle half▼ 28.6pp37.0%above the sector's middle half▼ 0.8pp51.5%above the sector's middle half▲ 14.5pp19.5%within the sector's middle half▼ 32.0pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274,736
Fixed assets
€112,837 ▲ 1,998%
Current assets
€161,899 ▲ 8.7%
Equity and liabilities €274,736
Equity
€56,448 ▼ 54.8%
Debt
€218,289 ▲ 640%
Debt's share of the balance-sheet total rises from 19.1% to 79.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
94.7%▲
2024 · 63.7%
Debt ≤ 1 year
€215,650▲
2024 · €29,489
Income taxes
€13,574▼
2024 · €21,080
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €608 | €1,416 | ▲ 133% |
| Other operating charges640/8 | €166 | €536 | €487 | €650 | €708 | ▲ 9.0% |
| Gross operating margin9900 | €50,877 | €46,272 | €63,535 | €91,411 | €66,754 | ▼ 27.0% |
| Operating profit (loss)9901 | €50,711 | €45,736 | €63,048 | €90,153 | €64,630 | ▼ 28.3% |
| Financial income75/76B | - | €22 | €0 | €10,364 | €5,152 | ▼ 50.3% |
| Recurring financial income75 | - | €22 | €0 | €10,364 | €5,152 | ▼ 50.3% |
| Financial charges65/66B | €52 | €0 | €60 | €2 | €2,759 | ▲ 117,824% |
| Recurring financial charges65 | €52 | €0 | €60 | €2 | €2,759 | ▲ 117,824% |
| Profit (loss) for the period before taxes9903 | €50,659 | €45,758 | €62,988 | €100,515 | €67,022 | ▼ 33.3% |
| Income taxes67/77 | €10,300 | €10,000 | €9,323 | €21,080 | €13,574 | ▼ 35.6% |
| Profit (loss) for the period9904 | €40,359 | €35,758 | €53,665 | €79,435 | €53,448 | ▼ 32.7% |
| Profit (loss) for the period to be appropriated9905 | €40,359 | €35,758 | €53,665 | €79,435 | €53,448 | ▼ 32.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €60,793 | €94,610 | €145,115 | €154,270 | €274,736 | ▲ 78.1% |
| Fixed assets21/28 | - | - | - | €5,377 | €112,837 | ▲ 1,998% |
| Tangible fixed assets22/27 | - | - | - | €5,377 | €12,837 | ▲ 139% |
| Furniture and vehicles24 | - | - | - | €5,377 | €12,837 | ▲ 139% |
| Financial fixed assets28 | - | - | - | - | €100,000 | - |
| Current assets29/58 | €60,793 | €94,610 | €145,115 | €148,892 | €161,899 | ▲ 8.7% |
| Amounts receivable within one year40/41 | €6,655 | €6,958 | €7,684 | €14,212 | €10,888 | ▼ 23.4% |
| Trade receivables40 | €6,655 | €6,958 | €7,684 | €7,805 | €8,047 | ▲ 3.1% |
| Other amounts receivable41 | - | - | - | €6,407 | €2,841 | ▼ 55.7% |
| Current investments50/53 | - | - | - | €95,000 | €84,469 | ▼ 11.1% |
| Cash at bank and in hand54/58 | €54,138 | €87,652 | €137,431 | €39,681 | €66,543 | ▲ 67.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €60,793 | €94,610 | €145,115 | €154,270 | €274,736 | ▲ 78.1% |
| Equity10/15 | €45,427 | €81,186 | €134,850 | €124,781 | €56,448 | ▼ 54.8% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €42,427 | €78,186 | €131,850 | €121,781 | €53,448 | ▼ 56.1% |
| Distributable reserves133 | €42,427 | €78,186 | €131,850 | €121,781 | €53,448 | ▼ 56.1% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €15,365 | €13,424 | €10,265 | €29,489 | €218,289 | ▲ 640% |
| Amounts payable within one year42/48 | €15,365 | €13,424 | €10,265 | €29,489 | €215,650 | ▲ 631% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €100,000 | - |
| Trade debts44 | €3,235 | €4,750 | €1,202 | €3,712 | €245 | ▼ 93.4% |
| Suppliers440/4 | €3,235 | €4,750 | €1,202 | €3,712 | €245 | ▼ 93.4% |
| Taxes, remuneration and social security45 | €9,547 | €6,091 | €6,480 | €7,277 | €11,574 | ▲ 59.0% |
| Taxes450/3 | €9,547 | €6,091 | €6,480 | €7,277 | €11,574 | ▲ 59.0% |
| Other amounts payable47/48 | €2,583 | €2,583 | €2,583 | €18,500 | €103,831 | ▲ 461% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2,638 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40,359 | €35,758 | €53,665 | €79,435 | €53,448 | ▼ 32.7% |
| + Depreciation and write-downs630 | - | - | - | €608 | €1,416 | ▲ 133% |
| Operating cash flow (approximation) | €40,359 | €35,758 | €53,665 | €80,043 | €54,864 | ▼ 31.5% |
| Investment in fixed assets (approximation) | - | - | - | - | -€108,876 | - |
| Change in cash | - | €33,515 | €49,779 | -€97,751 | €26,862 | ▲ 127% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €79,435 ▲48%
Operating result €90,153, net result €79,435, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 14.14
Current ratio from 7.05 to 14.14; short-term debt falls from €13,424 to €10,265.
31-12
Financial
Equity above €100,000Eq €134,850 ▲66.1%
4 profitable years in a row build equity to €134,850.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 3.96
Current ratio from 1.50 to 3.96.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Oostende · 1 establishment unit since 2020
Ground area
230 m²
Building footprint
112 m²
Volume, LiDAR
714 m³
Parcel 35385B0078/00A004, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TAB
since 20202.298.859.814
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0078/00A004 | Flanders | 230 m² | 1 · 112 m² | 8.4 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 10,798 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
Founded27-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Not found in the Peppol register
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.