TANDI

Active

Private limited companyfounded 20206 yrs activeRue du Clair Val(SL) 2, 5020 Namur, BelgiumKBO/BCE: BE 0742.983.772

The computed 12-month bankruptcy probability of TANDI is 5.4% (elevated). The 2024 annual accounts show equity of €27k and a net result of €-7k. Equity is shrinking by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 18939 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2024

40 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability1▼-23

Solvency79▼-11

Growth32▼-20

Track record100

Bankruptcy probability, 12 months

5.4% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity ample (current ratio 2.14 against 2.76 in 2023; short-term debt: 45% and cash: 16.7% of total assets), and 45.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

54.2%

Return on assets

-14.1%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

2021222324

2020 to 2024 · latest year €-7k

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-02-2026, 211 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

211 d late

2023

152 d late

2022

29 d late

2021

12 d early

2020

30 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€27k▼ 20.7%

2023 · €34k

2020: €32k 2021: €50k 2022: €36k 2023: €34k

2020 → 2024

Total assets

€50k▼ 4.7%

2023 · €52k

2020: €88k 2021: €101k 2022: €61k 2023: €52k

2020 → 2024

Net result

€-7k▼ 238%

2023 · €-2k

2020: €28k 2021: €22k 2022: €-14k 2023: €-2k

2020 → 2024

Working capital

€25k▼ 19.8%

2023 · €32k

2020: €40k 2021: €52k 2022: €34k 2023: €32k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€32k-€50k▲ 58.5%€36k▼ 28.3%€34k▼ 5.8%€27k▼ 20.7%

Operating result€37k-€29k▼ 21.1%€-14k€-181▲ 98.7%€-6k▼ 3,492%

Net result€28k-€22k▼ 23.1%€-14k€-2k▲ 85.4%€-7k▼ 238%

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 €6k in 2024 against €181 in 2023; the loss grows.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €50k

96.2%

Fixed assets €2k▼ 19.9%

Current assets €48k▼ 4.0%

Equity and liabilities €50k

54.2%

45.8%

Equity €27k▼ 20.7%

Debt €23k▲ 25.1%

The debt ratio rises from 34.9% to 45.8%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-6k▼

2023 · €591

Cash flow

€-7k▼

2023 · €-1k

Solvency

54.2%▼

2023 · 65.1%

Current ratio

2.14▼

2023 · 2.76

Quick ratio

2.14▼

2023 · 2.76

Debt / equity

0.84▲

2023 · 0.53

ROE

-26.1%▼

2023 · -6.1%

ROA

-14.1%▼

2023 · -4.0%

Interest coverage

-11.82▼

2023 · 1.23

Debt

€23k▲

2023 · €18k

Debt ≤ 1 year

€22k▲

2023 · €18k

Staff costs

€35k▲

2023 · €23k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€52k€50k▼

Fixed assets21/28€2k€2k▼

Tangible fixed assets22/27€2k€2k▼

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€278€16▼

Financial fixed assets28€100€100=

Current assets29/58€50k€48k▼

Amounts receivable within one year40/41€33k€38k▲

Trade receivables40€26k€23k▼

Other amounts receivable41€7k€15k▲

Cash at bank and in hand54/58€15k€8k▼

Deferred charges and accrued income490/1€1k€1k▲

Equity and liabilities

Total equity and liabilities10/49€52k€50k▼

Equity10/15€34k€27k▼

Contributions10/11€5k€5k=

Capital10€5k€5k=

Issued capital100€5k€5k=

Profit (loss) carried forward14€29k€22k▼

Amounts payable17/49€18k€23k▲

Amounts payable within one year42/48€18k€22k▲

Current portion of amounts payable after more than one year42€3k€3k▲

Trade debts44€7k€13k▲

Suppliers440/4€7k€13k▲

Taxes, remuneration and social security45€8k€7k▼

Taxes450/3€2k€1k▼

Remuneration and social security454/9€7k€6k▼

Accrued charges and deferred income492/3€114€368▲

Income statement Code20232024

Remuneration, social security and pensions62€23k€35k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€772€463▼

Other operating charges640/8€915€1k▲

Gross operating margin9900€24k€30k▲

Operating profit (loss)9901€-181€-6k▼

Financial income75/76B€3€1▼

Recurring financial income75€3€1▼

Financial charges65/66B€481€510▲

Recurring financial charges65€481€510▲

Profit (loss) for the period before taxes9903€-659€-7k▼

Income taxes67/77€1k-

Profit (loss) for the period9904€-2k€-7k▼

Profit (loss) for the period to be appropriated9905€-2k€-7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€29k€22k▼

Profit (loss) brought forward from the previous period14P€31k€29k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

2026

27-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 211 days late

2024

30-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 152 days late

2023

29-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 29 days late

2022

31-12

Financial Weakest financial yearnet €-14k ▼165%

Net result drops to €-14k, the lowest in the series; recovery starts the following year.

19-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

30-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 30 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Namur · 1 establishment unit since 2020

establishment approximate The establishment unit on the map

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 Clair Val(SL) 25020 Namur

Ground area

2,120 m²

Building footprint

134 m²

Volume, LiDAR

577 m³

2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

TANDI

Chaussée de Dinant(WP) 1147, 5100 NamurManufacture of food products

since 20202.300.433.786

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92120A0046/00G004	Wallonia	1,150 m²	1 · 105 m²	8.3 m · 2 fl.
92135D0419/00D000indicative	Wallonia	970 m²	1 · 29 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

1 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Namur2.300.433.786

1 permission

Toelating · Traiteur · since 15-04-2020

Similar companies · same sector, comparable size

Sint-Jans-Molenbeek · Eq €27k

Of 21,896 companies in sector 56112 we hold annual accounts for 9,782. 8,328 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-02-2020

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:tandiclairsrl@gmail.com

Enterprise

Phone:+32479953831

Enterprise