Equity
€800,282 ▼ 53.2%
TBME paid out €1.0m in dividends. That is 936% of the 2025 profit.
TBME
Lifetime
4 annual accounts with figures on one time axispeak €170,572 (2022)
€85,632▼ 40.6%
peak €1.5m (2023)
€108,873▼ 3.4%
peak €1.7m (2024)
€800,282▼ 53.2%
€47,177▲ 6.6%
Board1 name since 2021
1 directorTomas Bernaerts
Documentsfilings and deeds
19-06-202642 days before the deadline
2025micro format
Gross margin from €144,208 to €85,632Dividend €1.0mEquity from €1.7m to €800,282Cash from €567,466 to €62,280
Key points
from the 2025 annual accountsTurnover
≈ €180,000 estimated
The micro format states no turnover.
Liquidity
11.27 was 32.46 in 2024
Short-term debts rose from €44,277 to €47,177.
Filings
4 annual accounts since 2022
The last four annual accounts were filed 35 to 42 days before the end of the period.
Starting capital
€100 1,000 shares
Position in the sector
94.4%
Higher solvency than 93% of companies in head offices and management consultancy. Sector median 55.5% · 39,368 companies.
Checked score
94
Excellent
Financially stronger than 50% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026highest value
11-2026: < 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €847,459
Figures for financial year 2025 (filed on 19-06-2026)
Equity €800,282 (94.4% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 51% on liquidity, 53% on profitability and 12% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,782 companies had the same profile as TBME has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
That fits the bankruptcy probability of TBME itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,782 companies, not a prediction for TBME. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.27 (32.46 in 2024), above the usual 1.5. Short-term debt is 5.6% and cash 7.3% of total assets. 5.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 19-06-2026, 42 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
42 days early
2024
42 days early
2023
35 days early
2022
41 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 40 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- BERNAERTS Tomas 1,000 sharesdeed of 22-04-2021
Shares in 2 companies, MD Partners Holding and MD BUILDING GROUP
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0766900608
Incorporation
Founding capital of €100, 1,000 shares · Founder: BERNAERTS Tomas · Appointment: BERNAERTS Tomas (director) · published on 22-04-2021 · Gazette deed
First establishment
Sint-Jan-Berchmansstraat 53, Mechelen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TBME Mechelen | €0.8m | €85,632 | 94.4% | - |
| Ontrafel - bemiddeling Lier | €0.7m | €79,669 | 30.5% | - |
| NIELANCO Geel | €0.9m | €76,300 | 43.8% | - |
| WOP INVEST Nieuwpoort | €0.8m | €88,706 | 72.8% | - |
| ADPS MANAGEMENT Blegny | €1.0m | €92,320 | 19.5% | - |
| Makade Zele | €0.7m | €75,013 | 97.5% | - |
| Previ Menen | €0.8m | €70,824 | 72.0% | - |
These companies have the same main activity as TBME: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €680,000 and €1m, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 20-04-2021Normal situation
- Activity
- Activities of head officesNACE 70100and 1 other
- Establishment unit
- 2.318.312.8662800 Mechelen, since 20-04-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 01-03-2023
Annual accounts 2025
- €847,459▼ 51.7%
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on TBME
TBME files the micro format. That format states no turnover. The gross margin fell from €170,572 in 2022 to €85,632 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TBME
- What is the company number of TBME?
- The company number of TBME is 0766.900.608. The VAT number is the same number with BE in front: BE 0766.900.608.
- Where is TBME based?
- The registered office is at Sint-Jan-Berchmansstraat 53, 2800 Mechelen.Company details
- What does TBME do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of TBME?
- TBME is a private limited company (BV).
- When was TBME founded?
- TBME was founded on 20-04-2021.
- Is TBME still active?
- Yes, TBME is an active enterprise in the KBO register.
- What is the turnover of TBME?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €85,632 and 126 comparable companies (NACE 70). It probably lies between €130,000 and €220,000.Financials
- Is TBME profitable?
- In financial year 2025, TBME made a profit of €108,873.
- Where can I find the annual accounts of TBME?
- TBME filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TBME due?
- TBME must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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