TBT

Active

Private limited companyfounded 20206 yrs activeChemin des Carriers(S.-R.-G.) 7, 1370 Jodoigne, BelgiumKBO/BCE: BE 0746.705.406

The computed 12-month bankruptcy probability of TBT is 2.1% (moderate). The 2025 annual accounts show equity of €39k and a net result of €20k. Equity is growing by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 27319 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+45

Solvency100=

Growth78▲+26

Stability100

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 2.35 against 2.69 in 2024), and 31.3% 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.

−lowers risk+raises risk○neutral

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

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

68.7%

Return on assets

34.4%

Age of the figures

8 mo

Higher-failure-rate region

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

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-06-2026, 33 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

33 d early

2024

48 d early

2023

43 d early

2022

28 d early

2021

39 d early

2020

30 d early

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Equity

€39k▲ 100%

2024 · €20k

2020: €10k 2021: €7k 2022: €9k 2023: €17k 2024: €20k

2020 → 2025

Total assets

€57k▲ 115%

2024 · €27k

2020: €14k 2021: €10k 2022: €12k 2023: €24k 2024: €27k

2020 → 2025

Net result

€20k▲ 810%

2024 · €2k

2020: €8k 2021: €-4k 2022: €3k 2023: €8k 2024: €2k

2020 → 2025

Working capital

€24k▲ 104%

2024 · €12k

2020: €8k 2021: €5k 2022: €8k 2023: €15k 2024: €12k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€7k-€9k▲ 41.8%€17k▲ 85.0%€20k▲ 12.4%€39k▲ 100%

Operating result€-4k-€3k€11k▲ 237%€3k▼ 69.9%€29k▲ 829%

Net result€-4k-€3k€8k▲ 189%€2k▼ 73.1%€20k▲ 810%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 829% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €57k

26.3%

73.7%

Fixed assets €15k▲ 95.0%

Current assets €42k▲ 122%

Equity and liabilities €57k

68.7%

31.3%

Equity €39k▲ 100%

Debt €18k▲ 154%

The debt ratio rises from 26.4% to 31.3%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€35k▲

2024 · €6k

Cash flow

€26k▲

2024 · €5k

Solvency

68.7%▼

2024 · 73.6%

Current ratio

2.35▼

2024 · 2.69

Quick ratio

2.29▼

2024 · 2.55

Debt / equity

0.46▲

2024 · 0.36

ROE

50.0%▲

2024 · 11.0%

ROA

34.4%▲

2024 · 8.1%

Interest coverage

638.24▲

2024 · 90.84

Debt

€18k▲

2024 · €7k

Debt ≤ 1 year

€18k▲

2024 · €7k

Income taxes

€10k▲

2024 · €948

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€27k€57k▲

Fixed assets21/28€8k€15k▲

Tangible fixed assets22/27€7k€15k▲

Plant, machinery and equipment23€2k€3k▲

Furniture and vehicles24€5k€12k▲

Financial fixed assets28€345€345=

Current assets29/58€19k€42k▲

Stocks and contracts in progress3€1k€1k▲

Stocks30/36€1k€1k▲

Amounts receivable within one year40/41€7k€30k▲

Trade receivables40€3k€29k▲

Other amounts receivable41€5k€2k▼

Cash at bank and in hand54/58€10k€10k▲

Deferred charges and accrued income490/1€98€121▲

Equity and liabilities

Total equity and liabilities10/49€27k€57k▲

Equity10/15€20k€39k▲

Contributions10/11€3k€3k=

Reserves13€17k€37k▲

Distributable reserves133€17k€37k▲

Amounts payable17/49€7k€18k▲

Amounts payable within one year42/48€7k€18k▲

Trade debts44€5k€7k▲

Suppliers440/4€5k€7k▲

Taxes, remuneration and social security45€1k€720▼

Taxes450/3€260€720▲

Remuneration and social security454/9€1k-

Other amounts payable47/48€929€10k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k▲

Other operating charges640/8€846€1k▲

Gross operating margin9900€7k€37k▲

Operating profit (loss)9901€3k€29k▲

Financial income75/76B€1€1▲

Recurring financial income75€1€1▲

Financial charges65/66B€67€56▼

Recurring financial charges65€67€56▼

Profit (loss) for the period before taxes9903€3k€29k▲

Income taxes67/77€948€10k▲

Profit (loss) for the period9904€2k€20k▲

Profit (loss) for the period to be appropriated9905€2k€20k▲

Appropriation of the result

Profit (loss) to be appropriated9906€2k€20k▲

Transfer to equity691/2€2k€20k▲

To other reserves6921€2k€20k▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2020net €20k ▲810%

Operating result €29k, net result €20k, both a record.

13-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

18-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

03-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €3k

Net result €3k after one loss-making year.

22-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Weakest financial yearnet €-4k ▼148%

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

01-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

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, Jodoigne · 1 establishment unit since 2020

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.

Chemin des Carriers(S.-R.-G.) 71370 Jodoigne

Ground area

1,875 m²

Building footprint

83 m²

Volume, LiDAR

571 m³

Parcel 25096B0290/00D000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Chemin des Carriers(S.-R.-G.) 7, 1370 Jodoigne

Construction of residential and non-residential buildings

since 20202.303.607.072

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25096B0290/00D000	Wallonia	1,875 m²	1 · 83 m²	8.9 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.

Similar companies · same sector, comparable size

Of 8,479 companies in sector 43410 we hold annual accounts for 4,308. 3,518 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-05-2020

Fiscal year end31-12

Trade name FR Thom-Roof

Activities, NACEBEL

43410Roofing work

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.