Tactive · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

Tactive 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 €211k and a net result of €-44k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 16% of 498 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 498 sector peers (2025).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	17-04-2026	13 d early	2026-00083982
30-09-2024	30-04-2025	31-03-2025	30 d early	2025-00060624
30-09-2023	30-04-2024	29-03-2024	32 d early	2024-00053374

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€211k-17.4%

Net result€-44k

Total assets€1.66M-9.7%

Solvency12.7%-1.2pp

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 17-04-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~21.6%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	12.7%	43.2%	better than 16% of 498 sector peers
Net result	€-44k	€68k	better than 10% of 498 sector peers
Equity	€211k	€492k	better than 34% of 498 sector peers
Gross operating margin	€74k	€83k	better than 46% of 497 sector peers
Staff costs	€2k	€72k	higher than 10% of 60 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P16

Stable position over 2023-2025 · n=498-1407

Net result P10

Weakening position over 2023-2025 · n=498-1406

Equity P34

Stable position over 2023-2025 · n=498-1407

Gross operating margin P46

Weakening position over 2023-2025 · n=497-1405

Describes the position versus peers, not a forecast.

Net profit

€-44k

- 23-25

Total assets

€1.66M

-9.7% 23-25

Equity

€211k

-17.4% 23-25

Employees (FTE)

0

- 23-25

Staff costs

€2k

- 23-25

Income taxes

€48k

+15.1% 23-25

Debt

€1.44M

-8.5% 23-25

Debt ≤ 1y

€131k

-43.4% 23-25

Debt > 1y

€1.31M

-2.5% 23-25

Solvency

12.7%

-8.5% 23-25

ROE

-21.1%

- 23-25

ROA

-2.7%

- 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€-44k
Cash flow	n/a
Staff costs	€2k
Income taxes	-
Dividends	-
Total assets	€1.66M
Equity	€211k
Debt	€1.44M
of which ≤ 1y	€131k
of which > 1y	€1.31M
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	12.7%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	-2.7%
ROE	-21.1%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €1.60M · 97.0% Current assets €50k · 3.1%

Equity & liabilities

Equity €211k · 12.7% Debt €1.44M · 87.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.66M
Fixed assets	21/28	€1.60M
Tangible fixed assets	22/27	€2k
Financial fixed assets	28	€1.60M
Current assets	29/58	€50k
Amounts receivable within one year	40/41	€959
Cash & bank	54/58	€50k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.66M
Equity	10/15	€211k
Contributions / capital	10/11	€2k
Reserves	13	€253k
Accumulated profits (losses)	14	€-44k
Amounts payable	17/49	€1.44M
Amounts payable after one year	17	€1.31M
Amounts payable within one year	42/48	€131k
Trade debts payable within one year	44	€48k
Income statement
Gross operating margin	9900	€74k
Operating result	9901	€-38k
Financial income	75	€100
Financial charges	65	€7k
Result before taxes	9903	€-44k
Net result for the period	9904	€-44k
Result to be appropriated	9905	€-44k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

Model not applicable to financial institutions

The health 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.

Structure & network