Tchack
ActiveTchack has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €19k. Equity is growing by ~33.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+3
Solvency81▼-19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 12.38 in 2024; short-term debt: 44.4% and cash: 56.5% of total assets), and 44.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
55.6%
Return on assets
18.4%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
13 d early
2023
22 d early
2022
35 d early
2021
33 d early
2020
26 d early
2019
17 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€19k▲ 3.2%
2024 · €19k
2018: €3k
2019: €-2k
2020: €15k
2021: €12k
2022: €79k
2023: €15k
2024: €19k
2018 → 2025
Working capital
€55k▼ 48.9%
2024 · €107k
2018: €19k
2019: €18k
2020: €29k
2021: €39k
2022: €76k
2023: €88k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€77k▲ 90.8%€89k▲ 16.2%€108k▲ 21.2%€59k▼ 45.5%
Operating result€17k-€106k▲ 533%€21k▼ 80.1%€26k▲ 24.8%€27k▲ 2.0%
Net result€12k-€79k▲ 562%€15k▼ 80.9%€19k▲ 24.4%€19k▲ 3.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€4k▲ 659%
Current assets
€102k▼ 12.9%
Equity and liabilities €106k
Equity
€59k▼ 45.5%
Debt
€47k▲ 397%
The debt ratio rises from 8.0% to 44.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €27k
Cash flow
€20k▲
2024 · €19k
Solvency
55.6%▼
2024 · 92.0%
Current ratio
2.17▼
2024 · 12.38
Quick ratio
2.17▼
2024 · 12.38
Debt / equity
0.80▲
2024 · 0.09
ROE
33.1%▲
2024 · 17.5%
ROA
18.4%▲
2024 · 16.1%
Interest coverage
883.56▲
2024 · 485.66
Debt
€47k▲
2024 · €9k
Debt ≤ 1 year
€47k▲
2024 · €9k
Income taxes
€8k▲
2024 · €7k
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€117k€106k▼
Fixed assets21/28€524€4k▲
Tangible fixed assets22/27€524€4k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€524€156▼
Other tangible fixed assets26-€3k
Current assets29/58€117k€102k▼
Amounts receivable within one year40/41€10k€10k=
Other amounts receivable41€10k€10k=
Current investments50/53€8k€32k▲
Cash at bank and in hand54/58€99k€60k▼
Equity and liabilities
Total equity and liabilities10/49€117k€106k▼
Equity10/15€108k€59k▼
Contributions10/11€6k€6k=
Reserves13€102k€53k▼
Distributable reserves133€102k€53k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€9k€47k▲
Amounts payable within one year42/48€9k€47k▲
Financial debts43€206€0▼
Credit institutions430/8€206€0▼
Trade debts44€4k€412▼
Suppliers440/4€4k€412▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€2k€44k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€424€463▲
Other operating charges640/8€407€420▲
Gross operating margin9900€27k€28k▲
Operating profit (loss)9901€26k€27k▲
Financial income75/76B-€400
Recurring financial income75-€400
Financial charges65/66B€55€31▼
Recurring financial charges65€55€31▼
Profit (loss) for the period before taxes9903€26k€27k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€19k€19k▲
Profit (loss) for the period to be appropriated9905€19k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€19k▲
Transfer from equity791/2€0€68k▲
Transfer to equity691/2€19k€19k▲
To other reserves6921€19k€19k▲
Profit to be distributed694/7€0€68k▲
Return on contributions (dividend)694€0€68k▲
The notes to these accounts (5 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €100kEq €108k ▲21.2%
5 profitable years in a row build equity to €108k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 8.75
Current ratio from 2.13 to 8.75; short-term debt falls from €67k to €11k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €79k ▲562%
Operating result €106k, net result €79k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-2k ▼158%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Wavre · 1 establishment unit since 2011
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.
Avenue du Guéret 111300 WavreGround area
1,407 m²
Building footprint
180 m²
Volume, LiDAR
958 m³
Parcel 25055A0401/00D000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tchack
since 20112.206.838.585
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25055A0401/00D000 | Wallonia | 1,407 m² | 1 · 180 m² | 7.7 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.
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WHO DARES CONSULT
BE 1011.604.387
Ukkel · Eq €59k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 38,912 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
68122Development of non-residential building projects
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.