TCL SERVICES
ActiveThe computed 12-month bankruptcy probability of TCL SERVICES is 2.3% (moderate). The 2025 annual accounts show equity of €136k and a net result of €25k. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 78% of 4264 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 2.46 in 2024), and 31.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
68.1%
Return on assets
12.5%
Age of the figures
8 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 05-07-2026, 26 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
26 d early
2024
10 d early
2023
30 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€136k▲ 22.6%
2024 · €111k
2023: €63k
2024: €111k
2023 → 2025
Total assets
€199k▲ 18.4%
2024 · €168k
2023: €101k
2024: €168k
2023 → 2025
Net result
€25k▼ 48.0%
2024 · €48k
2023: €60k
2024: €48k
2023 → 2025
Working capital
€90k▲ 19.8%
2024 · €75k
2023: €24k
2024: €75k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€63k-€111k▲ 76.6%€136k▲ 22.6%
Operating result€83k-€65k▼ 21.4%€34k▼ 47.9%
Net result€60k-€48k▼ 20.2%€25k▼ 48.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 48% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199k
Fixed assets
€57k▲ 37.3%
Current assets
€142k▲ 12.3%
Equity and liabilities €199k
Equity
€136k▲ 22.6%
Debt
€64k▲ 10.5%
The debt ratio falls from 34.2% to 31.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€52k▼
2024 · €76k
Cash flow
€43k▼
2024 · €59k
Solvency
68.1%▲
2024 · 65.8%
Current ratio
2.73▲
2024 · 2.46
Quick ratio
2.73▲
2024 · 2.46
Debt / equity
0.47▼
2024 · 0.52
ROE
18.4%▼
2024 · 43.4%
ROA
12.5%▼
2024 · 28.5%
Interest coverage
42.53▼
2024 · 147.63
Debt
€64k▲
2024 · €58k
Debt ≤ 1 year
€52k▲
2024 · €51k
Debt > 1 year
€11k▲
2024 · €6k
Income taxes
€8k▼
2024 · €17k
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
Total assets
20/58€168k€199k▲
Fixed assets
21/28€41k€57k▲
Tangible fixed assets
22/27€21k€36k▲
Financial fixed assets
28€21k€21k=
Current assets
29/58€127k€142k▲
Amounts receivable within one year
40/41€99k€130k▲
Cash & bank
54/58€28k€12k▼
Total equity & liabilities
10/49€168k€199k▲
Equity
10/15€111k€136k▲
Contributions / capital
10/11€3k€3k=
Reserves
13€108k€133k▲
Amounts payable
17/49€58k€64k▲
Amounts payable after one year
17€6k€11k▲
Amounts payable within one year
42/48€51k€52k▲
Trade debts payable within one year
44€3k€1k▼
Income statement
Code20242025
Gross operating margin
9900€81k€53k▼
Operating result
9901€65k€34k▼
Financial income
75-€0
Financial charges
65€517€1k▲
Result before taxes
9903€64k€33k▼
Income taxes
67/77€17k€8k▼
Net result for the period
9904€48k€25k▼
Result to be appropriated
9905€48k€25k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €25k ▼48%
Net result drops to €25k, the lowest in the series.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €111k ▲76.6%
2 profitable years in a row build equity to €111k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Bouwonderneming MARCELLO
BE 0765.623.968
De Haan · Eq €136k
PROPIO
BE 0893.145.613
Tongeren-Borgloon · Eq €136k
KRAJNAK
BE 0679.793.024
Gent · Eq €135k
SEFO CLEANING
BE 0478.312.146
Brussel · Eq €135k
META SERVICES
BE 0879.482.469
Soumagne · Eq €136k
Of 7,248 companies in sector 81210 we hold annual accounts for 2,642. 2,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2022
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
47120Other non-specialised retail sale
47910Retail trade
51220Air transport
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.