TC-CONSTRUCT
ActiveTC-CONSTRUCT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €2k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 13882 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-47
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 3.66 in 2024), and 35% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
65%
Return on assets
1.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
63 d late
2023
92 d late
2022
122 d late
2021
307 d late
2020
31 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 3.0%
2024 · €78k
2020: €26k
2021: €52k
2022: €71k
2023: €68k
2024: €78k
2020 → 2025
Total assets
€123k▲ 9.3%
2024 · €113k
2020: €43k
2021: €84k
2022: €92k
2023: €100k
2024: €113k
2020 → 2025
Net result
€2k▼ 75.6%
2024 · €9k
2020: €25k
2021: €26k
2022: €18k
2023: €-2k
2024: €9k
2020 → 2025
Working capital
€52k▼ 1.0%
2024 · €53k
2020: €26k
2021: €26k
2022: €48k
2023: €50k
2024: €53k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€71k▲ 34.5%€68k▼ 3.3%€78k▲ 13.8%€80k▲ 3.0%
Operating result€27k-€23k▼ 16.2%€2k▼ 90.2%€16k▲ 607%€3k▼ 78.1%
Net result€26k-€18k▼ 30.6%€-2k€9k€2k▼ 75.6%
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 78% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123k
Fixed assets
€42k▲ 5.9%
Current assets
€81k▲ 11.2%
Equity and liabilities €123k
Equity
€80k▲ 3.0%
Debt
€43k▲ 23.4%
The debt ratio rises from 31.0% to 35.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€19k▼
2024 · €30k
Cash flow
€18k▼
2024 · €23k
Solvency
65.0%▼
2024 · 69.0%
Current ratio
2.84▼
2024 · 3.66
Quick ratio
2.63▼
2024 · 3.58
Debt / equity
0.54▲
2024 · 0.45
ROE
2.9%▼
2024 · 12.1%
ROA
1.9%▼
2024 · 8.4%
Interest coverage
5.38▼
2024 · 8.66
Debt
€43k▲
2024 · €35k
Debt ≤ 1 year
€28k▲
2024 · €20k
Debt > 1 year
€15k▼
2024 · €15k
Income taxes
€1k▼
2024 · €6k
Staff costs
€391▲
2024 · €219
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€113k€123k▲
Fixed assets21/28€40k€42k▲
Tangible fixed assets22/27€26k€26k▼
Plant, machinery and equipment23€12k€4k▼
Furniture and vehicles24€14k€23k▲
Financial fixed assets28€14k€16k▲
Current assets29/58€72k€81k▲
Stocks and contracts in progress3€2k€6k▲
Stocks30/36€2k€6k▲
Amounts receivable within one year40/41€69k€74k▲
Trade receivables40€18k€17k▼
Other amounts receivable41€51k€57k▲
Cash at bank and in hand54/58€2k€600▼
Equity and liabilities
Total equity and liabilities10/49€113k€123k▲
Equity10/15€78k€80k▲
Contributions10/11€2k€2k=
Reserves13€78k€78k=
Distributable reserves133€78k€78k=
Profit (loss) carried forward14€-2k€-16▲
Amounts payable17/49€35k€43k▲
Amounts payable after more than one year17€15k€15k▼
Financial debts170/4€15k€15k▼
Amounts payable within one year42/48€20k€28k▲
Current portion of amounts payable after more than one year42€4k€9k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€13k€16k▲
Taxes450/3€13k€14k▲
Remuneration and social security454/9-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€219€391▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€2k€165▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€32k€21k▼
Operating profit (loss)9901€16k€3k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€15k€4k▼
Income taxes67/77€6k€1k▼
Profit (loss) for the period9904€9k€2k▼
Profit (loss) for the period to be appropriated9905€9k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-16▼
Profit (loss) brought forward from the previous period14P€-2k€-2k=
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Weakest financial yearnet €-2k ▼113%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 307 days late
2021
31-12
Financial
Highest result since 2020net €26k ▲4.7%
Net result €26k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Diest · 2 establishment units 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.
Turnhoutsebaan 123290 DiestGround area
2,720 m²
Building footprint
642 m²
Volume, LiDAR
3,062 m³
2 parcels, Flanders · tallest building 13.4 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
TC-CONSTRUCT
since 20202.298.280.881
Koolmijnlaan 367, 3581 Beringen
since 20252.381.304.765
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020B0324/00A000 | Flanders | 1,978 m² | 1 · 372 m² | 13.4 m · 1 fl. |
| 71005C0886/00Y002 | Flanders | 742 m² | 1 · 269 m² | 9.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
JDV-CONSTRUCT
BE 0552.521.797
Kampenhout · Eq €80k
BERTRIX RETAIL PARK
BE 0845.480.803
Brugge · Eq €80k
FRK Projects
BE 0797.324.360
Ichtegem · Eq €80k
TPAGS
BE 0774.858.269
Esneux · Eq €80k
AVE IMMO
BE 0776.725.322
Chaudfontaine · Eq €80k
Of 9,637 companies in sector 68121 we hold annual accounts for 7,329. 5,204 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
96210Hairdressing and barber services
68122Development of non-residential building projects
43990Other specialised construction activities
43999Specialised construction activities
49410Freight transport by road
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.