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TAVERNIER

Active
Public limited companyfounded 198838 yrs activeArchimedesstraat 16, 8400 Oostende, BelgiumKBO/BCE: BE 0433.769.746
Summary

TAVERNIER has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €286,031 and a net result of €4,073. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 50% of 2284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
TAVERNIERActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
General electrical installation work
NACE 43211NACE 45310
1 site
Size
€678,992total assets 2025
Staff
12.5 FTE
Equity
€286,031
Profit
€4,073
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 8 d early0 of 10 deeds read
Why 85- Sector Specialised construction activities (NACE 43)- Size: 12.5 FTE, total assets €678,992+ Liquidity: current ratio 1.65, cash €88,085+ Founded in 1988Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 43% of its sector peers (NACE 43, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 67-3
equity 42.1% of total assets
Liquidity 43+13
short-term debt 46.5% · cash 13.0%
Profitability 62-17
return on assets 0.6%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (2,633 companies)
Last 24 months 11-2024: 1.3% 12-2024: 1.3%● 0.0% vs 11-2024 01-2025: 1.3%● 0.0% vs 12-2024 02-2025: 1.3%● 0.0% vs 01-2025 03-2025: 1.3%● 0.0% vs 02-2025 04-2025: 1.3%▲ +3.4% vs 03-2025 05-2025: 1.5%▲ +12.6% vs 04-2025highest value 06-2025: 1.4%▼ -4.0% vs 05-2025 07-2025: 1.5%▲ +3.5% vs 06-2025 08-2025: 0.8%▼ -44.0% vs 07-2025 09-2025: 0.8%● 0.0% vs 08-2025 10-2025: 0.8%● 0.0% vs 09-2025 11-2025: 0.8%● 0.0% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.8%● 0.0% vs 12-2025 02-2026: 0.4%▼ -52.0% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%▲ +4.1% vs 03-2026 05-2026: 0.4%▲ +2.0% vs 04-2026 06-2026: 0.4%▼ -4.8% vs 05-2026 07-2026: 0.4%▲ +1.8% vs 06-2026 08-2026: 0.3%▼ -27.7% vs 07-2026lowest value 09-2026: 0.3%● 0.0% vs 08-2026lowest value 10-2026: 0.3%● 0.0% vs 09-2026lowest value
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Size: 12.5 FTE, total assets €678,992 raises the probability for this profile
  • Liquidity: current ratio 1.65, cash €88,085 lowers the probability
  • Founded in 1988 lowers the probability for this profile
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.76 in 2024; short-term debt: 46.5% and cash: 13% of total assets), but 57.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, small). Better than this share of them on solvency 56%, liquidity 47%, profitability 31%, growth against the median 37%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: 12.5 FTE, total assets €678,992
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.65, cash €88,085
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1988
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €286,031
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
8 d early
2024
1 d early
2023
on the day
2022
12 d early
2021
25 d late
2020
20 d late
2019
8 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Highest result since 2018net €51,565 ▲5,179%

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 4 years View
  • Active since 1988founded 26-03-1988 38 years View
  • Total assets 20256 fiscal years filed €678,992 View

By topic

Financials

Fiscal year
2025
Total assets
€678,992
Profit
€4,073
Solvency
42.1%
Total assets▲ 8.9%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 23-07-2026Annual accounts filed
  2. 30-07-2025Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
General electrical installation workNACE 43211
Founded
26-03-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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