TANBE
ActiveThe computed 12-month bankruptcy probability of TANBE is 4.4% (elevated). The 2025 annual accounts show equity of €2.26M and a net result of €-573k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 4157 sector peers (fiscal year 2025). The company has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-35
Solvency53▼-16
Growth68▼-10
Track record100
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days only on tighter terms
Liquidity tight (current ratio 1.12 against 0.97 in 2024; short-term debt: 56.3% and cash: 13.7% of total assets), and 71.7% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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 47
Relative position
BE, all sectors
reference
Sector 47
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
28.3%
Return on assets
-7.2%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
20 d early
2023
30 d early
2022
13 d early
2021
32 d early
2020
20 d late
2019
20 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€12.96M▲ 26.2%
2024 · €10.27M
2024: €10.27M
2024 → 2025
EBIT margin
-3.3%▼ 7.0pp
2024 · 3.7%
2024: 3.7%
2024 → 2025
Net result
€-573k
2024 · €516k
2018: €403k
2019: €680k
2020: €647k
2021: €1.03M
2022: €1.33M
2023: €1.35M
2024: €516k
2018 → 2025
Working capital
€519k
2024 · €-113k
2018: €-154k
2019: €-257k
2020: €347k
2021: €1.56M
2022: €-249k
2023: €16k
2024: €-113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€10.27M€12.96M▲ 26.2%
Equity€2.85M-€2.42M▼ 15.1%€3.12M▲ 28.7%€3.23M▲ 3.7%€2.26M▼ 30.1%
Operating result€1.49M-€1.87M▲ 25.4%€949k▼ 49.2%€380k▼ 60.0%€-427k
Net result€1.03M-€1.33M▲ 28.3%€1.35M▲ 1.5%€516k▼ 61.6%€-573k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €427k after €380k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.00M
Fixed assets
€2.98M▼ 27.7%
Current assets
€5.02M▲ 56.4%
Equity and liabilities €8.00M
Equity
€2.26M▼ 30.1%
Debt
€5.74M▲ 40.0%
The debt ratio rises from 55.9% to 71.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€295k▼
2024 · €815k
Cash flow
€149k▼
2024 · €952k
Solvency
28.3%▼
2024 · 44.1%
Current ratio
1.12▲
2024 · 0.97
Quick ratio
0.75▲
2024 · 0.50
Debt / equity
2.54▲
2024 · 1.27
ROE
-25.4%▼
2024 · 16.0%
ROA
-7.2%▼
2024 · 7.0%
Interest coverage
3.11▼
2024 · 7.91
Debt
€5.74M▲
2024 · €4.10M
Debt ≤ 1 year
€4.50M▲
2024 · €3.32M
Debt > 1 year
€1.24M▲
2024 · €775k
Income taxes
€2k▼
2024 · €71k
Staff costs
€5.17M▲
2024 · €3.28M
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€7.33M€8.00M▲
Fixed assets21/28€4.12M€2.98M▼
Intangible fixed assets21€29k€1.07M▲
Tangible fixed assets22/27€1.69M€1.85M▲
Land and buildings22€537k€474k▼
Plant, machinery and equipment23€1.14M€1.37M▲
Furniture and vehicles24€10k€1k▼
Financial fixed assets28€2.40M€66k▼
Affiliated companies280/1€2.35M€0▼
Participating interests280€2.35M€0▼
Other financial fixed assets284/8€56k€66k▲
Shares284€13k€13k=
Amounts receivable and cash guarantees285/8€44k€53k▲
Current assets29/58€3.21M€5.02M▲
Stocks and contracts in progress3€1.56M€1.66M▲
Stocks30/36€1.56M€1.66M▲
Goods purchased for resale34€1.56M€1.66M▲
Amounts receivable within one year40/41€949k€1.84M▲
Trade receivables40€657k€789k▲
Other amounts receivable41€292k€1.05M▲
Cash at bank and in hand54/58€439k€1.09M▲
Deferred charges and accrued income490/1€261k€421k▲
Equity and liabilities
Total equity and liabilities10/49€7.33M€8.00M▲
Equity10/15€3.23M€2.26M▼
Contributions10/11€45k€45k=
Reserves13€3.19M€2.21M▼
Tax-exempt reserves132€15k€15k=
Distributable reserves133€3.17M€2.20M▼
Amounts payable17/49€4.10M€5.74M▲
Amounts payable after more than one year17€775k€1.24M▲
Financial debts170/4€775k€1.24M▲
Credit institutions173€775k€1.24M▲
Amounts payable within one year42/48€3.32M€4.50M▲
Current portion of amounts payable after more than one year42€100k€250k▲
Financial debts43€1.47M€2.00M▲
Credit institutions430/8€1.47M€2.00M▲
Trade debts44€538k€480k▼
Suppliers440/4€538k€480k▼
Advances received on contracts in progress46€177k€295k▲
Taxes, remuneration and social security45€493k€945k▲
Taxes450/3€188k€413k▲
Remuneration and social security454/9€305k€532k▲
Other amounts payable47/48€543k€525k▼
Accrued charges and deferred income492/3€1k€758▼
Income statement
Code20242025
Operating income70/76A€11.02M€13.51M▲
Turnover70€10.27M€12.96M▲
Other operating income74€748k€549k▼
Operating charges60/66A€10.64M€13.94M▲
Goods for resale, raw materials and consumables60€2.92M€2.56M▼
Purchases600/8€2.50M€2.16M▼
Change in stocks: decrease (increase)609€419k€402k▼
Services and other goods61€3.98M€5.46M▲
Remuneration, social security and pensions62€3.28M€5.17M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€435k€722k▲
Other operating charges640/8€24k€30k▲
Operating profit (loss)9901€380k€-427k▼
Financial income75/76B€410k€59k▼
Recurring financial income75€410k€59k▼
Income from current assets751€1k€29k▲
Other financial income752/9€408k€30k▼
Financial charges65/66B€203k€203k=
Recurring financial charges65€203k€203k=
Debt charges650€103k€95k▼
Other financial charges652/9€99k€108k▲
Profit (loss) for the period before taxes9903€587k€-571k▼
Income taxes67/77€71k€2k▼
Taxes670/3€71k€2k▼
Tax adjustments and reversals of tax provisions77€0-
Profit (loss) for the period9904€516k€-573k▼
Profit (loss) for the period to be appropriated9905€516k€-573k▼
Appropriation of the result
Profit (loss) to be appropriated9906€516k€-573k▼
Transfer from equity791/2-€973k
From reserves792-€973k
Transfer to equity691/2€116k€0▼
To other reserves6921€116k€0▼
Profit to be distributed694/7€400k€400k=
Return on contributions (dividend)694€400k€400k=
Social balance
Average headcount (FTE)908764.9100.0▲
The notes to these accounts (67 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-573k ▼211%
Net result drops to €-573k, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €1.35M ▲1.5%
Net result €1.35M, the highest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.85M ▲56.8%
4 profitable years in a row build equity to €2.85M.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 135 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 91 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are 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, Kontich · 43 establishment units since 1980
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.
Prins Boudewijnlaan 212550 KontichGround area
67.9 ha
Building footprint
38.0 ha
Volume, LiDAR
3,680,865 m³
42 parcels, Brussels, Flanders, Wallonia · tallest building 73.1 m, ±15 floors. Linked by address, not a title deed.
43 establishment units
Twice as nice
since 19802.142.858.375
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TWICE AS NICE
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42 parcels
Flanders
24
(57.1%)
Wallonia
12
(28.6%)
Brussels
6
(14.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D1155/00R000 | Flanders | 10.8 ha | 1 · 5.0 ha | 18.2 m · 2 fl. |
| 53402A0191/00H015 | Wallonia | 7.0 ha | 1 · 4.4 ha | 14.3 m · 3 fl. |
| 62806C0923/00B002 | Wallonia | 6.3 ha | 1 · 3.8 ha | 22.7 m · 3 fl. |
| 57462B0160/00Y003 | Wallonia | 6.2 ha | 1 · 3.8 ha | 15.8 m · 3 fl. |
| 11050B0010/00E002 | Flanders | 5.6 ha | 1 · 4.9 ha | 27.4 m · 4 fl. |
| 11024B0077/00M000 | Flanders | 5.2 ha | 1 · 5,358 m² | 11.5 m · 3 fl. |
| 21674C0095/00M007 | Brussels | 5.2 ha | 1 · 1.2 ha | 17.1 m · 3 fl. |
| 34352B0962/00W000 | Flanders | 4.9 ha | 1 · 1.5 ha | - |
| 71016I1055/00H000 | Flanders | 2.9 ha | 1 · 2.5 ha | 64.2 m · 2 fl. |
| 25386B0123/00V002 | Wallonia | 2.5 ha | 1 · 2.1 ha | 24.1 m · 4 fl. |
| 11902G0016/00V011 | Flanders | 1.8 ha | 1 · 1.8 ha | 15.7 m · 2 fl. |
| 21802B1669/00A000 | Brussels | 1.6 ha | 1 · 1.6 ha | 63.3 m · 7 fl. |
| 21683D0073/00W000 | Brussels | 1.1 ha | 1 · 9,598 m² | 11.8 m · 1 fl. |
| 11803C0320/00E000 | Flanders | 8,698 m² | 1 · 8,737 m² | - |
| 11803C2165/00M000 | Flanders | 8,022 m² | 1 · 608 m² | 32.8 m · 10 fl. |
| 21802B0487/00H000 | Brussels | 7,877 m² | 1 · 6,512 m² | 73.1 m · 15 fl. |
| 21001A0392/00V000 | Brussels | 7,228 m² | 1 · 1,611 m² | 20.4 m · 6 fl. |
| 62817B0604/00D002 | Wallonia | 6,611 m² | 1 · 4,730 m² | 25.6 m · 5 fl. |
| 21009A0403/00C002 | Brussels | 5,711 m² | 1 · 5,711 m² | 41.5 m · 6 fl. |
| 46502D0252/00X009 | Flanders | 5,212 m² | 1 · 3,241 m² | - |
| 41002A0304/00B000 | Flanders | 4,687 m² | 1 · 229 m² | 8.3 m |
| 62087B0259/00M002 | Wallonia | 2,262 m² | 1 · 2,158 m² | 13.3 m · 4 fl. |
| 34040C1033/00N000 | Flanders | 1,953 m² | 1 · 1,921 m² | 14.5 m · 4 fl. |
| 52302A1138/00X000 | Wallonia | 1,734 m² | - | - |
| 25783E0243/00A002 | Wallonia | 1,567 m² | 1 · 579 m² | 15.0 m · 2 fl. |
| 11462A0227/00H000 | Flanders | 1,395 m² | 1 · 205 m² | - |
| 38402D0006/00B000 | Flanders | 1,260 m² | 1 · 1,576 m² | 29.3 m · 7 fl. |
| 81015D0120/00W002 | Wallonia | 1,183 m² | 1 · 197 m² | 5.9 m · 1 fl. |
| 42006D0537/00G000 | Flanders | 980 m² | 1 · 101 m² | 14.6 m · 4 fl. |
| 31334B0345/00B000 | Flanders | 256 m² | 1 · 255 m² | 25.9 m · 5 fl. |
| 11803C1713/00D000 | Flanders | 193 m² | 1 · 146 m² | 15.8 m · 5 fl. |
| 12021K0574/00K000 | Flanders | 151 m² | 1 · 91 m² | 14.5 m · 2 fl. |
| 31804D1434/00A000 | Flanders | 97 m² | 1 · 78 m² | 11.3 m · 3 fl. |
| 11803C1377/00_000 ProtectedMonumentHandels- en kantoorgebouw in art nouveau: gevels, bedaking en winkelinrichtingSource ↗ |
Flanders | 92 m² | 1 · 62 m² | 23.6 m · 4 fl. |
| 71022H1158/00C000 | Flanders | 92 m² | 1 · 92 m² | 18.6 m · 4 fl. |
| 63079A0765/00A004 | Wallonia | 79 m² | 1 · 39 m² | 11.1 m · 3 fl. |
| 24502B0703/00D003 | Flanders | 55 m² | 1 · 55 m² | 19.4 m · 6 fl. |
| 44803C0958/00_000 | Flanders | 54 m² | 1 · 54 m² | 14.9 m · 4 fl. |
| 62063A0908/00A000 | Wallonia | 46 m² | 1 · 36 m² | 17.2 m · 5 fl. |
| 11512B0046/00K005 | Flanders | 42 m² | 1 · 42 m² | 12.1 m · 4 fl. |
| 12025D0285/00C002 | Flanders | 30 m² | 1 · 29 m² | 16.0 m · 5 fl. |
| 52011D0126/02S000indicative | Wallonia | 27 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 41
41 of 42 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
7 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 56,630 EUR awarded · 31,630 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 25,000 EUR |
| 2024 | 3 | 52,136 EUR | 6,630 EUR |
| 2022 | 1 | 4,494 EUR | 0 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidies laadpalen (Relance)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
699400VZSLTFHXH2LE14
Similar companies · same sector, comparable size
VAL BIJOUX
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JUWELIER ZWITSERLAND
BE 0424.825.158
Aalst · Eq €2.17M
ROLUPO
BE 0441.646.443
Herentals · Eq €2.35M
BELLUCCI
BE 0695.456.445
Gent · Eq €2.39M
Of 2,017 companies in sector 47770 we hold annual accounts for 898. 355 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-1980
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.