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TBME

Active Private limited companyfounded 2021active for 5 yearsSint-Jan-Berchmansstraat 53, 2800 MechelenKBO/BCE: BE 0766.900.608

Overview

Lifetime

4 annual accounts with figures on one time axis
peak €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 accounts

Equity

€800,282 ▼ 53.2%
1.72024+0.1Profit-1.0Dividend0.82025

TBME paid out €1.0m in dividends. That is 936% of the 2025 profit.

Turnover

≈ €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
AprilJune31 JulyOctober2022202320242025

The last four annual accounts were filed 35 to 42 days before the end of the period.

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 strength
Strong

100=equity 94.4% of total assets
59-31short-term debt 5.6% · cash 7.3%
85+8return on assets 12.8%

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
  • Small
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

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.

The companies in ten equal groups, from the lowest to the highest expected share
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.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
lowers risk · Size: total assets €847,459
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 19-06-2026)
NBB · annual accounts
lowers risk · Equity €800,282 (94.4% of total assets)
NBB · annual accounts
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 filings
Deviation 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 months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

TB
Director
  • BERNAERTS Tomas 1,000 sharesdeed of 22-04-2021

Shares in 2 companies, MD Partners Holding and MD BUILDING GROUP

Board & ownership

Recent 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
All 10 events

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
Company details

Annual accounts 2025

€85,632▼ 40.6%
€108,873▼ 3.4%
€800,282▼ 53.2%
€847,459▼ 51.7%
Filing
Filed on 19-06-2026, 42 days before the end of the filing period
Financials

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.

Financials

Annual accounts 2025

micro format, filed on 19-06-2026, 42 days before the deadline
€85,632
▼ 40.6%
€81,169
▼ 26.4%
€108,873
▼ 3.4%
€484,651
▼ 65.2%
94.4%
▼ 3.0 percentage points
11.27
▼ 21.19

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €180,000. Estimated: probably between €130,000 and €220,000.

Balance sheet

balance sheet total €847,459 on 31-12-2025
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

94.4%

Higher than 94% of 39,368 companies in 2025.

11.27

Higher than 91% of 38,051 companies in 2025.

12.8%

Higher than 47% of 38,523 companies in 2025.

TBME Middle half of the sector 80% of the sector Micro accounts in head offices and management consultancy (NACE 70)

Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022
Balance sheet: assets
20/58 847,4591.8m1.6m240,358
21/28 315,631317,964365,51953,340
22/27 3,4315,9645,519-
24 3,4315,9645,519-
28 312,200312,000360,00053,340
29/58 531,8291.4m1.3m187,018
29 372,000372,000432,00033,000
290 --432,00033,000
291 372,000372,000--
40/41 44,49916,69819,69814,537
40 33,39616,69816,69814,520
41 11,10303,00017
50/53 0446,699--
54/58 62,280567,466811,137135,438
490/1 53,05034,41012,1984,043
Balance sheet: equity and liabilities
10/49 847,4591.8m1.6m240,358
10/15 800,2821.7m1.6m129,687
10/11 100100100100
14 800,1821.7m1.6m129,587
17/49 47,17744,27742,301110,671
42/48 47,17744,27742,301110,671
44 1,0162603352,271
440/4 1,0162603352,271
45 43,69544,01641,96649,932
450/3 43,69544,01641,96647,935
454/9 ---1,997
47/48 2,467--58,467
Income statement
9900 85,632144,208132,745170,572
630 2,5332,0201,327-
640/8 1,9301,3443432,647
66A 030,580--
9901 81,169110,264131,075167,925
75/76B 59,76345,5851.4m2,553
75 59,76345,5851.4m2,553
65/66B 43136825293
65 43136825293
9903 140,501155,4811.5m170,385
67/77 31,62842,77236,34840,798
9904 108,873112,7091.5m129,587
9905 108,873112,7091.5m129,587
Appropriation of the result
9906 1.8m1.7m1.6m129,587
14P 1.7m1.6m129,587-
694/7 1.0m---
694 1.0m---
Document PDFPDFPDFPDF

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 19-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 19-06-2026 2026-00195616 PDF
31-12-2024 micro format 19-06-2025 2025-00159965 PDF
31-12-2023 micro format 26-06-2024 2024-00178934 PDF
31-12-2022 micro format 20-06-2023 2023-00145826 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022
83,702112,284132,402-
111,406114,7291.5m-
2002,464366,84653,340
-505,186-243,671675,699-
484,6511.4m1.2m76,347
94.4%97.5%97.4%54.0%
11.2732.4630.141.69
0.060.030.030.85
13.6%6.6%91.9%99.9%
12.8%6.4%89.5%53.9%
over 100over 100over 100-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item2025202420232022
Tangible fixed assets-€2,464€6,846-
Financial fixed assets€200-€360,000€53,340
€2,533€2,020€1,327-

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on TBME

The operating result for 2025 is 26% lower than in 2024 and the lowest since 2022. It is the third fall in a row.

Debt's share of the balance-sheet total rises from 2.5% to 5.6%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, since incorporation
Director
appointed by deed of 22-04-2021 term without a fixed end
listed in the 2025 annual accounts, filed on 19-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Artikel 20. Externe vertegenwoordigingsbevoegdheid Iedere bestuurder afzonderlijk, ook wanneer er meerdere zijn, vertegenwoordigt de…”
deed of 22-04-2021

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Board
Mandates as a list
  • Tomas Bernaerts
    • Director, appointed by deed of 22-04-2021, still in office

See the board, name and registered office on a given date →

Control

This company
TBME
Equity €800,282
Profit €108,873 in 2025

Capital

Contribution
€100
Shares
1,000
Contribution per share
€0.10
Equity per share
€800 in 2025
Source
deed of 22-04-2021

Articles of association

deed of 22-04-2021 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Geschreven stuk, ten minste drie/vierde van aandelen na aftrek voorgestelde aandelen”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
15 June at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
No statutory auditor

Shareholders

At incorporation deed of 22-04-2021 ↗

Network & group

Holdings

own 2025 accounts, the bar shows equity in euros
This companyTBME2 holdings, 1 country 2025 accounts

Belgium 2 Equity Result

Source: list of holdings in its own 2025 accounts. Every holding stands with its own latest accounts.

Holdings and subsidiaries

2 holdings

Holdings 2

Share, source and own figures per holding (2)

Source for every holding own accounts 2025

Holdings through the years 2022 to 2025

Source: list of holdings in its own accounts

Board mandates elsewhere

4 board mandates
Board mandates of TBMETBME sits on their board4
Director
Founded in 2023 · total assets €15.0m (2025)
Director
Founded in 2010 · 21 FTE (2025)
Director
Founded in 2021 · total assets €9.9m (2025)
Director
Founded in 2025

Connections & network

1 current director
Depth

The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

10 events since 2021

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 42 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 42 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 35 days before the deadline
2023
Highest result from 2022 to 2025 net €1.5m ▲1,033% The net result of €1.5m is the highest of those years.
Liquidity more than 17 times current ratio 30.14 The current ratio rises from 1.69 to 30.14. Short-term debt falls from €110,671 to €42,301.
Equity above €1m equity €1.6m ▲1,132% With a profit in every financial year since 2022, equity grows to €1.6m.
Annual accounts 2022 filed PDFmicro format · 41 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0766900608
2021
IncorporationFounding capital of €100, 1,000 shares · Founder: BERNAERTS Tomas · Appointment: BERNAERTS Tomas (director) · published on 22-04-20217 points ▸
  • Founder, BERNAERTS Tomas
  • Power of attorney, BECQUET Danielle
  • Founding capital, €100, 1,000 shares
  • 1,000 shares
  • Registered office clause, Sint-Jan-Berchmansstraat 53, 2800 Mechelen
  • Director appointment, BERNAERTS Tomas
  • Power of attorney, Adrienne Spaepen
  • The deed holds 8 more points.

Open the deed in the Belgian Official Gazette

First establishment Sint-Jan-Berchmansstraat 53, Mechelen

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 20 April 2021, TBME was incorporated as a private limited company by one natural person, with a starting capital of €100.12 Tomas Bernaerts is director of the company, appointed by deed of 22-04-2021.2 Total assets went from €240,358 in 2022 to €847,459 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 22-04-2021
  3. 3National Bank, annual accounts 2022 and 2025

Company details

Identity

Enterprise number
0766.900.608
VAT number
BE 0766.900.608
Peppol ID
0208:0766900608
Other Peppol ID
9925:BE0766900608
Legal form
Private limited company
Status
Active, normal situation
Founded
20-04-2021
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
15 June at 18:00
deed of 22-04-2021 (in Dutch)
Peppol
Reachable since 01-03-2023Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
TBME in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 22-04-2021 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 22-04-2021 (in Dutch)

Activities

NACEBEL 2025
70100 Activities of head offices main activity
Codes under NACEBEL 2008
70100 Activities of head offices main activity
70220 Business consulting
PurposeThe purpose describes the activities the company may carry out under its articles.
“Adviesverlening en management in de meest ruime zin; Uitoefenen van bestuursfuncties of mandaten in vennootschappen,organisaties of…”
16 activities
  1. Adviesverlening en management in de meest ruime zin
  2. Uitoefenen van bestuursfuncties of mandaten in vennootschappen,organisaties of verenigingen
  3. Het aanleggen,het oordeelkundig beheer en het uitbreiden van een roerend en onroerend vermogen
  4. De aankoop,verkoop en ruiling,het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,participaties,obligaties,fondsen en van alle roerende goederen en rechten
  5. Productie,opslag en outsourcing in de meest uitgebreide zin
  6. Alle activiteiten met betrekking tot ontwerp,verkoop,adviesverlening,coördinatie van werkzaamheden,implementatie van systemen,bedrijfsvoering en dit alles met in de ruimste zin
  7. Import,export,groothandel,kleinhandel,verhuring,aan- en verkoop van alle soorten goederen,producten en materialen
  8. Het geven van cursussen,opleiding,begeleiding en adviesverlening in de meest uitgebreide zin van het woord
  9. Het maken van alle studies,de organisatie van en het geven van adviezen inzake handels-,financiële,administratieve,technische,bedrijfsorganisatorische of andere aangelegenheden en er het beheer en de controle van doen
  10. De voorbereiding,de opstelling en het afsluiten,zowel als mandataris als voor eigen rekening,van alle mogelijke overeenkomsten voor openbare of particuliere werken of voor leveringen en het uitvoeren van alle verrichtingen die daarmee verband houden
  11. Het verwerven,behouden,beheren,huren en verhuren,onderhouden,renoveren,uitbreiden en vervreemden van onroerende goederen,beheer dit alles met inbegrip van het afsluiten van contracten van onroerende leasing
  12. De aanneming van algemene bouwwerken en de onderneming van onroerende goederen,inclusief het verrichten van activiteiten van bouwpromotor
  13. De aankoop,de verkoop,de huur,de invoer en de uitvoer van alle mogelijke materialen,goederen,toestellen en materieel,noodzakelijk voor de bouw,het onderhoud,het herstel en de vernieuwing van gebouwen
  14. Het verwerven van alle mogelijke terreinen,het bouwen van openbare en particuliere gebouwen,de aankoop,de verkoop,de verhuur,de verdeling en de verkaveling van alle mogelijke onroerende goederen
  15. Het optrekken van individuele woningen,appartementen,kantoorgebouwen of industriële gebouwen,in opdracht en/of volgens de formule sleutel op de deur
  16. Alle studiën en operaties met betrekking tot alle onroerende goederen en rechten en tot alle roerende goederen en rechten welke daaruit voortvloeien,zoals de aankoop,de bouw,de verbouwing,de aanpassing,de huur en onderhuur,de ruiling,de verkoop en,in het algemeen,alle operaties die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken,voor zichzelf of voor anderen van alle bebouwde of onbebouwde onroerende eigendommen
deed of 22-04-2021 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Sint-Jan-Berchmansstraat 53 registered office 2800 Mechelen 4100101 General construction of residential buildings 20-04-2021 2.318.312.866

Buildings and parcels at the address

Ground area
124 m²
Buildings
69 m²
Volume, LiDAR
549 m³
Tallest building
12.7 m
Buildings to scale, each on its own parcel
69 m², 12.7 m 69 m², 12.7 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
12403E0241/02C002124 m² 1 · 69 m² 12.7 m · 3