TCHERNO
ActiveTCHERNO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €249k and a net result of €55k. Equity is growing by ~53.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-11
Solvency74▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 2.59 in 2024; short-term debt: 18.3% and cash: 10.5% of total assets), but 51% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
49%
Return on assets
10.8%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
11 d late
2023
30 d late
2022
4 d late
2021
4 d early
2020
52 d early
2019
43 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, micro schema
Equity
€249k▲ 28.3%
2024 · €194k
2018: €15k
2019: €15k
2020: €17k
2021: €60k
2022: €76k
2023: €106k
2024: €194k
2018 → 2025
Total assets
€508k▲ 11.7%
2024 · €455k
2018: €59k
2019: €74k
2020: €269k
2021: €318k
2022: €366k
2023: €366k
2024: €455k
2018 → 2025
Net result
€55k▼ 37.3%
2024 · €87k
2018: €19k
2019: €12k
2020: €3k
2021: €43k
2022: €16k
2023: €31k
2024: €87k
2018 → 2025
Working capital
€133k▲ 33.5%
2024 · €100k
2018: €13k
2019: €12k
2020: €8k
2021: €44k
2022: €45k
2023: €15k
2024: €100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€76k▲ 26.3%€106k▲ 40.6%€194k▲ 82.3%€249k▲ 28.3%
Operating result€63k-€22k▼ 65.5%€48k▲ 120%€128k▲ 167%€76k▼ 40.7%
Net result€43k-€16k▼ 63.0%€31k▲ 95.0%€87k▲ 185%€55k▼ 37.3%
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 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €508k
Fixed assets
€282k▼ 3.7%
Current assets
€227k▲ 39.3%
Equity and liabilities €508k
Equity
€249k▲ 28.3%
Debt
€259k▼ 0.7%
The debt ratio falls from 57.4% to 51.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▼
2024 · €143k
Cash flow
€71k▼
2024 · €103k
Solvency
49.0%▲
2024 · 42.6%
Current ratio
2.43▼
2024 · 2.59
Quick ratio
2.43▼
2024 · 2.59
Debt / equity
1.04▼
2024 · 1.35
ROE
22.1%▼
2024 · 45.1%
ROA
10.8%▼
2024 · 19.2%
Interest coverage
29.12▼
2024 · 35.89
Debt
€259k▼
2024 · €261k
Debt ≤ 1 year
€93k▲
2024 · €63k
Debt > 1 year
€166k▼
2024 · €198k
Income taxes
€23k▼
2024 · €39k
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€455k€508k▲
Fixed assets21/28€292k€282k▼
Tangible fixed assets22/27€292k€281k▼
Land and buildings22€237k€230k▼
Plant, machinery and equipment23€50k€45k▼
Furniture and vehicles24€5k€6k▲
Financial fixed assets28€65€65=
Current assets29/58€163k€227k▲
Amounts receivable after more than one year29€35k€29k▼
Other amounts receivable291€35k€29k▼
Amounts receivable within one year40/41€43k€136k▲
Trade receivables40€4k€17k▲
Other amounts receivable41€40k€120k▲
Cash at bank and in hand54/58€80k€53k▼
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€455k€508k▲
Equity10/15€194k€249k▲
Contributions10/11€6k€6k=
Reserves13€186k€241k▲
Distributable reserves133€186k€241k▲
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€261k€259k▼
Amounts payable after more than one year17€198k€166k▼
Financial debts170/4€198k€166k▼
Amounts payable within one year42/48€63k€93k▲
Current portion of amounts payable after more than one year42€10k€21k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€49k€70k▲
Taxes450/3€49k€70k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€511€3k▲
Gross operating margin9900€144k€95k▼
Operating profit (loss)9901€128k€76k▼
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€127k€78k▼
Income taxes67/77€39k€23k▼
Profit (loss) for the period9904€87k€55k▼
Profit (loss) for the period to be appropriated9905€87k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€56k▼
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer to equity691/2€87k€55k▼
To other reserves6921€87k€55k▼
The notes to these accounts (7 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €249k ▲28.3%
8 profitable years in a row build equity to €249k.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Highest result since 2018net €87k ▲185%
Operating result €128k, net result €87k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.59
Current ratio from 1.30 to 2.59.
31-12
Financial
Equity above €150kEq €194k ▲82.3%
7 profitable years in a row build equity to €194k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €106k ▲40.6%
6 profitable years in a row build equity to €106k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €3k ▼79.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 49 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 52 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, Etterbeek · 1 establishment unit since 2015
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.
Vrijwilligerslaan 1741040 EtterbeekGround area
462 m²
Building footprint
110 m²
Volume, LiDAR
957 m³
Parcel 21363B0320/00V003, Brussels · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tcherno
since 20152.244.745.294
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21363B0320/00V003 | Brussels | 461 m² | 1 · 110 m² | 12.0 m · 3 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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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,932 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.
Contact details
2 entriesPhone:0477981097
E-mail:tcherno.sprl@gmail.com