TAM CONSTRUCTION
ActiveThe computed 12-month bankruptcy probability of TAM CONSTRUCTION is 2.2% (moderate). The 2025 annual accounts show equity of €113k and a net result of €65k. Its solvency ranks better than 64% of 27386 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+13
Growth78
Stability82
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days only on tighter terms
Liquidity ample (current ratio 2.13 against 1.51 in 2024), and 40.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
59.7%
Return on assets
34.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
11 d late
2024
36 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 136%
2024 · €48k
2024: €48k
2024 → 2025
Total assets
€189k▲ 104%
2024 · €93k
2024: €93k
2024 → 2025
Net result
€65k▲ 8.2%
2024 · €60k
2024: €60k
2024 → 2025
Working capital
€86k▲ 274%
2024 · €23k
2024: €23k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€48k-€113k▲ 136%
Operating result€87k-€90k▲ 3.8%
Net result€60k-€65k▲ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€27k▲ 7.5%
Current assets
€162k▲ 139%
Equity and liabilities €189k
Equity
€113k▲ 136%
Debt
€76k▲ 69.8%
The debt ratio falls from 48.4% to 40.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€92k▲
2024 · €87k
Cash flow
€67k▲
2024 · €61k
Solvency
59.7%▲
2024 · 51.6%
Current ratio
2.13▲
2024 · 1.51
Quick ratio
1.40▼
2024 · 1.51
Debt / equity
0.67▼
2024 · 0.94
ROE
57.6%▼
2024 · 125.7%
ROA
34.4%▼
2024 · 64.9%
Interest coverage
130.69▼
2024 · 599.85
Debt
€76k▲
2024 · €45k
Debt ≤ 1 year
€76k▲
2024 · €45k
Income taxes
€24k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€93k€189k▲
Fixed assets21/28€25k€27k▲
Tangible fixed assets22/27€25k€27k▲
Land and buildings22€21k€21k=
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24-€3k
Financial fixed assets28€55€55=
Current assets29/58€68k€162k▲
Stocks and contracts in progress3-€56k
Stocks30/36-€56k
Amounts receivable within one year40/41€12k€57k▲
Trade receivables40€3k€57k▲
Other amounts receivable41€9k-
Cash at bank and in hand54/58€54k€48k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€93k€189k▲
Equity10/15€48k€113k▲
Contributions10/11€2k€2k=
Reserves13€46k€46k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14-€65k
Amounts payable17/49€45k€76k▲
Amounts payable within one year42/48€45k€76k▲
Financial debts43€10k-
Credit institutions430/8€10k-
Trade debts44€915€27k▲
Suppliers440/4€915€27k▲
Taxes, remuneration and social security45€24k€38k▲
Taxes450/3€24k€38k▲
Other amounts payable47/48€10k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€549€2k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€89k€94k▲
Operating profit (loss)9901€87k€90k▲
Financial income75/76B€28€12▼
Recurring financial income75€28€12▼
Financial charges65/66B€146€704▲
Recurring financial charges65€146€704▲
Profit (loss) for the period before taxes9903€87k€89k▲
Income taxes67/77€27k€24k▼
Profit (loss) for the period9904€60k€65k▲
Profit (loss) for the period to be appropriated9905€60k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€65k▲
Transfer to equity691/2€46k-
To the legal reserve6920€46k-
Profit to be distributed694/7€14k-
Return on contributions (dividend)694€14k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Equity above €100kEq €113k ▲136%
2 profitable years in a row build equity to €113k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Profondeville · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Omer Mottint(B.V.) 285170 ProfondevilleGround area
700 m²
Building footprint
77 m²
Volume, LiDAR
424 m³
Parcel 92014C0518/00S000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TAM CONSTRUCTION
since 20232.350.251.897
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014C0518/00S000 | Wallonia | 700 m² | 1 · 77 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BOC-SYSTEM
BE 0743.540.236
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BD BATI DECOR
BE 0876.945.623
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HEPRO
BE 0770.251.957
Grimbergen · Eq €113k
KOVREN
BE 0764.498.372
Anderlecht · Eq €113k
Kevin Kesler
BE 0650.586.027
Keerbergen · Eq €113k
Of 15,434 companies in sector 43990 we hold annual accounts for 7,355. 6,160 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2023
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
41001General construction of residential buildings
46831Wholesale of construction materials, general range
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.