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TCBT

Active
Private limited companyfounded 20251 yr activeBurgemeesterstraat(SAR) 9, 3040 Huldenberg, BelgiumKBO/BCE: BE 1019.608.966
Summary

TCBT has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7,112 and a net result of €4,112. Its solvency ranks better than 51% of 7564 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency70
Growth-
Track record67
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.82; short-term debt: 55% and cash: 32.4% of total assets), but 55% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 1 filing
Deviation from the deadline
2025
27 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

On 5 February 2025, TCBT was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€7,112
Total assets
€15,805
Net result
€4,112
Working capital
€7,112

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

Balance-sheet composition
Equity and liabilities €15,805
Equity €7,112
Debt €8,693
Debt finances 55.0% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
1.82
Debt to equity
1.22
ROE
57.8%
ROA
26.0%
Debt ≤ 1 year
€8,693
Income taxes
€1,594

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 27 lines
Balance sheet Code2025
Assets
Total assets20/58€15,805
Current assets29/58€15,805
Amounts receivable within one year40/41€10,687
Trade receivables40€10,687
Cash at bank and in hand54/58€5,119
Equity and liabilities
Total equity and liabilities10/49€15,805
Equity10/15€7,112
Contributions10/11€3,000
Profit (loss) carried forward14€4,112
Amounts payable17/49€8,693
Amounts payable within one year42/48€8,693
Trade debts44€1,672
Suppliers440/4€1,672
Taxes, remuneration and social security45€5,998
Taxes450/3€5,903
Remuneration and social security454/9€95
Other amounts payable47/48€1,023
Income statement Code2025
Other operating charges640/8€127
Gross operating margin9900€5,900
Operating profit (loss)9901€5,773
Financial charges65/66B€67
Recurring financial charges65€67
Profit (loss) for the period before taxes9903€5,706
Income taxes67/77€1,594
Profit (loss) for the period9904€4,112
Profit (loss) for the period to be appropriated9905€4,112
Appropriation of the result
Profit (loss) to be appropriated9906€4,112

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Other operating charges640/8€127
Gross operating margin9900€5,900
Operating profit (loss)9901€5,773
Financial charges65/66B€67
Recurring financial charges65€67
Profit (loss) for the period before taxes9903€5,706
Income taxes67/77€1,594
Profit (loss) for the period9904€4,112
Profit (loss) for the period to be appropriated9905€4,112
Line2025
Assets
Total assets20/58€15,805
Current assets29/58€15,805
Amounts receivable within one year40/41€10,687
Trade receivables40€10,687
Cash at bank and in hand54/58€5,119
Equity and liabilities
Total equity and liabilities10/49€15,805
Equity10/15€7,112
Contributions10/11€3,000
Profit (loss) carried forward14€4,112
Amounts payable17/49€8,693
Amounts payable within one year42/48€8,693
Trade debts44€1,672
Suppliers440/4€1,672
Taxes, remuneration and social security45€5,998
Taxes450/3€5,903
Remuneration and social security454/9€95
Other amounts payable47/48€1,023
Line2025
Profit (loss) for the period9904€4,112
Operating cash flow (approximation)€4,112

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
27-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Huldenberg · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,293 m²
Building footprint
102 m²
Volume, LiDAR
691 m³
Parcel 24099C0245/00X000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TCBT
Burgemeesterstraat(SAR) 9, 3040 HuldenbergCutting, shaping and finishing of stone
since 20252.369.851.540
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24099C0245/00X000 Flanders 1,293 m² 1 · 102 m² 8.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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 2,456 companies in sector 41003 we hold annual accounts for 1,055. 413 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded05-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
41003General construction of other non-residential buildings
41001General construction of residential buildings
43350Other building finishing work
E-invoicing
Reachable via Peppol
Peppol ID 0208:1019608966
Registered 03-03-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.