TBMB
ActiveSummary
TBMB has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €7k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 2.53 in 2024; short-term debt: 20% and cash: 7% of total assets), and 20% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
80%
Return on assets
10.7%
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
31 d late
2023
1 d early
2022
on the day
2021
5 d early
2020
12 d early
2019
43 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 4.8%
2024 · €57k
2019: €21k
2020: €35k
2021: €33k
2022: €36k
2023: €37k
2024: €57k
2019 → 2025
Total assets
€68k▼ 6.9%
2024 · €73k
2019: €39k
2020: €46k
2021: €40k
2022: €52k
2023: €57k
2024: €73k
2019 → 2025
Net result
€7k▼ 77.4%
2024 · €32k
2019: €9k
2020: €15k
2021: €10k
2022: €12k
2023: €13k
2024: €32k
2019 → 2025
Working capital
€24k▲ 9.7%
2024 · €22k
2019: €11k
2020: €6k
2021: €6k
2022: €-3k
2023: €-4k
2024: €22k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€36k▲ 8.5%€37k▲ 2.0%€57k▲ 54.5%€54k▼ 4.8%
Operating result€16k-€22k▲ 34.9%€20k▼ 8.6%€54k▲ 169%€13k▼ 75.4%
Net result€10k-€12k▲ 19.1%€13k▲ 7.4%€32k▲ 153%€7k▼ 77.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€30k ▼ 17.7%
Current assets
€38k ▲ 4.2%
Equity and liabilities €68k
Equity
€54k ▼ 4.8%
Debt
€14k ▼ 14.5%
Debt's share of the balance-sheet total falls from 21.8% to 20.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €69k
Cash flow
€14k▼
2024 · €47k
Current ratio
2.76▲
2024 · 2.53
Debt to equity
0.25▼
2024 · 0.28
ROE
13.4%▼
2024 · 56.3%
ROA
10.7%▼
2024 · 44.0%
Interest coverage
161.54▼
2024 · 234.04
Debt ≤ 1 year
€14k▼
2024 · €14k
Income taxes
€6k▼
2024 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€73k€68k▼
Fixed assets21/28€37k€30k▼
Tangible fixed assets22/27€37k€30k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€12k€8k▼
Other tangible fixed assets26€18k€18k=
Financial fixed assets28€100€100=
Current assets29/58€36k€38k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€23k€31k▲
Trade receivables40€9k€7k▼
Other amounts receivable41€14k€24k▲
Cash at bank and in hand54/58€12k€5k▼
Deferred charges and accrued income490/1€623€2k▲
Equity and liabilities
Total equity and liabilities10/49€73k€68k▼
Equity10/15€57k€54k▼
Contributions10/11€6k€6k=
Reserves13€51k€48k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€853€853=
Distributable reserves133€48k€45k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€16k€14k▼
Amounts payable within one year42/48€14k€14k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€455€702▲
Taxes450/3€455€702▲
Other amounts payable47/48€12k€10k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€7k▼
Other operating charges640/8€2k€898▼
Gross operating margin9900€71k€21k▼
Operating profit (loss)9901€54k€13k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€295€123▼
Recurring financial charges65€295€123▼
Profit (loss) for the period before taxes9903€54k€13k▼
Income taxes67/77€22k€6k▼
Profit (loss) for the period9904€32k€7k▼
Profit (loss) for the period to be appropriated9905€32k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€7k▼
Transfer from equity791/2-€10k
Transfer to equity691/2€20k€7k▼
To other reserves6921€20k€7k▼
Profit to be distributed694/7€12k€10k▼
Return on contributions (dividend)694€12k€10k▼
The notes to these accounts (13 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 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼77.4%
Net result drops to €7k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2019net €32k ▲153%
Operating result €54k, net result €32k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.53
Current ratio from 0.81 to 2.53; short-term debt falls from €20k to €14k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Beauraing · 1 establishment unit since 2007
Ground area
941 m²
Building footprint
85 m²
Volume, LiDAR
535 m³
Parcel 91035A1388/00G000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Thierry BROLET
since 20072.165.581.814
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91035A1388/00G000 | Wallonia | 941 m² | 1 · 85 m² | 8.2 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.
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,067 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2007
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:t.brolet@skynet.be