TAM IMMO
ActiveThe computed 12-month bankruptcy probability of TAM IMMO is 4.3% (elevated). The 2025 annual accounts show negative equity (€-64k) and a net result of €-36k. Equity is shrinking by ~96.3% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
0
/ 100
Critical▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-67
Solvency33=
Growth32=
Stability94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.02 against 0.0 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-12.3%
Return on assets
-6.9%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€64k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 3 filingsDeviation from the deadline
2025
30 d late
2024
55 d late
2023
61 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€3k
EBIT margin
-713.8%
Net result
€-36k▼ 108%
2024 · €-17k
2023: €-14k
2024: €-17k
2023 → 2025
Working capital
€-145k▼ 50.9%
2024 · €-96k
2023: €-78k
2024: €-96k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€3k
Equity€-10k-€-28k▼ 167%€-64k▼ 130%
Operating result€-6k-€-3k▲ 57.4%€-18k▼ 562%
Net result€-14k-€-17k▼ 20.8%€-36k▼ 108%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €3k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €519k
Fixed assets
€516k▲ 46.0%
Current assets
€3k▲ 517%
Key figures and ratios
EBITDA
€-3k
Cash flow
€-22k
Solvency
-12.3%▼
2024 · -7.8%
Current ratio
0.02▲
2024 · 0.00
Quick ratio
0.02▲
2024 · 0.00
Debt / equity
-9.14▲
2024 · -13.77
ROE
56.5%▼
2024 · 62.6%
ROA
-6.9%▼
2024 · -4.9%
Interest coverage
-0.19
Debt
€582k▲
2024 · €382k
Debt ≤ 1 year
€148k▲
2024 · €97k
Debt > 1 year
€435k▲
2024 · €285k
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€354k€519k▲
Fixed assets21/28€353k€516k▲
Tangible fixed assets22/27€353k€516k▲
Land and buildings22€330k€516k▲
Other tangible fixed assets26€23k-
Current assets29/58€449€3k▲
Cash at bank and in hand54/58€126€2k▲
Deferred charges and accrued income490/1€323€353▲
Equity and liabilities
Total equity and liabilities10/49€354k€519k▲
Equity10/15€-28k€-64k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€-32k€-68k▼
Amounts payable17/49€382k€582k▲
Amounts payable after more than one year17€285k€435k▲
Financial debts170/4€285k€435k▲
Amounts payable within one year42/48€97k€148k▲
Current portion of amounts payable after more than one year42-€18k
Trade debts44€7k€11k▲
Suppliers440/4€7k€11k▲
Other amounts payable47/48€89k€119k▲
Income statement
Code20242025
Turnover70-€3k
Goods, raw materials, services and sundry goods60/61€3k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€14k
Other operating charges640/8-€2k
Non-recurring operating charges66A-€2k
Gross operating margin9900€-3k€-9▲
Operating profit (loss)9901€-3k€-18k▼
Financial charges65/66B€15k€18k▲
Recurring financial charges65€14k€18k▲
Non-recurring financial charges66B€240€52▼
Profit (loss) for the period before taxes9903€-17k€-36k▼
Profit (loss) for the period9904€-17k€-36k▼
Profit (loss) for the period to be appropriated9905€-17k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-68k▼
Profit (loss) brought forward from the previous period14P€-14k€-32k▼
The notes to these accounts (9 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series.
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
08-12-2025
DERBAUDRENGHIEN Christophe: Resigned as Director
08-12-2025
SOUMILLON Thomas: Resigned as Director
14-03-2025
GILIS Allison: Resigned as Director
14-03-2025
LEJEUNE Maud: Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 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 du Sanatorium 326001 CharleroiGround area
3,662 m²
Building footprint
292 m²
Volume, LiDAR
2,048 m³
2 parcels, Wallonia · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TAM IMMO
since 20232.344.120.509
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25083F0469/00B000 | Wallonia | 3,530 m² | 1 · 142 m² | 10.5 m · 2 fl. |
| 52392D0104/00T006 | Wallonia | 132 m² | 1 · 150 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2023
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.