TCOB
ActiveSummary
TCOB has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €5k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency35▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.11 against 0.14 in 2024; short-term debt: 34.2% and cash: 2.5% of total assets), and 89.5% of the assets are financed with debt.
Credit check 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 →
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 · 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
10.5%
Return on assets
0.7%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
3 d late
2023
28 d early
2022
1 d early
2021
54 d early
2020
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▲ 7.6%
2024 · €68k
2020: €62k
2021: €62k
2022: €64k
2023: €66k
2024: €68k
2020 → 2025
Total assets
€702k▼ 8.7%
2024 · €769k
2020: €899k
2021: €960k
2022: €899k
2023: €844k
2024: €769k
2020 → 2025
Net result
€5k▲ 159%
2024 · €2k
2020: €114
2021: €43
2022: €2k
2023: €3k
2024: €2k
2020 → 2025
Working capital
€-214k▼ 11.7%
2024 · €-191k
2020: €-83k
2021: €-167k
2022: €-178k
2023: €-184k
2024: €-191k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€64k▲ 3.6%€66k▲ 4.1%€68k▲ 3.0%€74k▲ 7.6%
Operating result€10k-€24k▲ 129%€20k▼ 13.7%€19k▼ 5.6%€22k▲ 16.7%
Net result€43-€2k▲ 5,033%€3k▲ 18.9%€2k▼ 23.2%€5k▲ 159%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €702k
Fixed assets
€676k ▼ 8.4%
Current assets
€26k ▼ 16.4%
Equity and liabilities €702k
Equity
€74k ▲ 7.6%
Debt
€629k ▼ 10.3%
Debt's share of the balance-sheet total falls from 91.1% to 89.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▲
2024 · €81k
Cash flow
€67k▲
2024 · €64k
Current ratio
0.11▼
2024 · 0.14
Debt to equity
8.53▼
2024 · 10.24
ROE
7.1%▲
2024 · 2.9%
ROA
0.7%▲
2024 · 0.3%
Interest coverage
11.82▲
2024 · 10.52
Debt ≤ 1 year
€240k▲
2024 · €223k
Debt > 1 year
€389k▼
2024 · €478k
Income taxes
€10k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€769k€702k▼
Fixed assets21/28€738k€676k▼
Tangible fixed assets22/27€738k€676k▼
Land and buildings22€646k€623k▼
Furniture and vehicles24€4k€875▼
Leasing and similar rights25€65k€30k▼
Other tangible fixed assets26€22k€22k=
Current assets29/58€32k€26k▼
Amounts receivable within one year40/41€8k€9k▲
Trade receivables40€8k€9k▲
Cash at bank and in hand54/58€23k€18k▼
Equity and liabilities
Total equity and liabilities10/49€769k€702k▼
Equity10/15€68k€74k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€497€757▲
Non-distributable reserves130/1€497€757▲
Legal reserve130€497€757▲
Profit (loss) carried forward14€6k€11k▲
Amounts payable17/49€701k€629k▼
Amounts payable after more than one year17€478k€389k▼
Financial debts170/4€478k€389k▼
Amounts payable within one year42/48€223k€240k▲
Current portion of amounts payable after more than one year42€71k€89k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€16k€14k▼
Other amounts payable47/48€131k€131k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€62k▼
Other operating charges640/8€4k€7k▲
Gross operating margin9900€86k€91k▲
Operating profit (loss)9901€19k€22k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€12k€15k▲
Income taxes67/77€10k€10k▲
Profit (loss) for the period9904€2k€5k▲
Profit (loss) for the period to be appropriated9905€2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€12k▲
Profit (loss) brought forward from the previous period14P€5k€6k▲
Transfer to equity691/2€100€260▲
To the legal reserve6920€100€260▲
The notes to these accounts (6 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2020net €5k ▲159%
Net result €5k, the highest in the series.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €43 ▼62.5%
Net result drops to €43, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2019
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.
Milcampslaan 1671030 SchaarbeekGround area
8,918 m²
Building footprint
816 m²
Volume, LiDAR
7,011 m³
2 parcels, Brussels, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TCOB
since 20192.297.068.975
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25099A0041/00H000 | Wallonia | 7,892 m² | 1 · 542 m² | 9.6 m · 3 fl. |
| 21905C0089/00W017 | Brussels | 1,026 m² | 1 · 274 m² | 12.2 m · 3 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,847 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-10-2019
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:laurent.vancantfort@asap-group.be
Phone:+32475355558