TCOFLEET

Active

Private limited companyfounded 20197 yrs activeNoorderlaan 133, 2030 Antwerpen, BelgiumKBO/BCE: BE 0717.968.462

TCOFLEET has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €-619k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

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Checked score

Score 2025

5 / 100

Critical▼ -10 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency15▼-18

Growth52▲+20

Stability100

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.56 against 0.18 in 2024), and 80% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

20%

Return on assets

-76%

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16932 sector peers (2025).

NBB · sector comparison

Position among 16932 sector peers

Solvency

better than 21%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-04-2026, 119 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

119 d early

2024

2 d early

2023

30 d late

2022

28 d early

2021

26 d late

2020

36 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€163k

2024 · €-47k

2020: €46k 2021: €481k 2022: €293k 2023: €40k 2024: €-47k

2020 → 2025

Total assets

€814k▼ 12.1%

2024 · €926k

2020: €135k 2021: €641k 2022: €692k 2023: €843k 2024: €926k

2020 → 2025

Net result

€-619k▼ 162%

2024 · €-236k

2020: €29k 2021: €-51k 2022: €-189k 2023: €-253k 2024: €-236k

2020 → 2025

Working capital

€-231k▲ 63.6%

2024 · €-634k

2020: €19k 2021: €307k 2022: €185k 2023: €-398k 2024: €-634k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€481k-€293k▼ 39.2%€40k▼ 86.5%€-47k€163k

Operating result€-48k-€-180k▼ 279%€-228k▼ 26.6%€-197k▲ 13.7%€-599k▼ 204%

Net result€-51k-€-189k▼ 269%€-253k▼ 34.4%€-236k▲ 6.8%€-619k▼ 162%

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

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €599k in 2025 against €197k in 2024; the loss grows and 2025 is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €814k

63.2%

36.8%

Fixed assets €514k▼ 34.3%

Current assets €300k▲ 109%

Equity and liabilities €814k

20.0%

80.0%

Equity €163k

Debt €651k

Debt finances 80.0% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-331k▼

2024 · €-179k

Cash flow

€-351k▼

2024 · €-218k

Solvency

20.0%▲

2024 · -5.0%

Current ratio

0.56▲

2024 · 0.18

Quick ratio

0.56▲

2024 · 0.18

Debt / equity

4.00▲

2024 · -20.91

ROE

-380.0%▼

2024 · 507.6%

ROA

-76.0%▼

2024 · -25.5%

Interest coverage

-16.34▼

2024 · -4.61

Debt

€651k▼

2024 · €973k

Debt ≤ 1 year

€531k▼

2024 · €778k

Debt > 1 year

€120k▼

2024 · €189k

Income taxes

€367▲

2024 · €319

Staff costs

€157k▼

2024 · €157k

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€926k€814k▼

Fixed assets21/28€783k€514k▼

Intangible fixed assets21€782k€514k▼

Tangible fixed assets22/27€922€76▼

Furniture and vehicles24€922€76▼

Financial fixed assets28€250€250=

Current assets29/58€144k€300k▲

Amounts receivable within one year40/41€123k€83k▼

Trade receivables40€122k€64k▼

Other amounts receivable41€323€19k▲

Cash at bank and in hand54/58€14k€216k▲

Deferred charges and accrued income490/1€7k€1k▼

Equity and liabilities

Total equity and liabilities10/49€926k€814k▼

Equity10/15€-47k€163k▲

Contributions10/11€655k€1.48M▲

Profit (loss) carried forward14€-701k€-1.32M▼

Amounts payable17/49€973k€651k▼

Amounts payable after more than one year17€189k€120k▼

Financial debts170/4€189k€120k▼

Amounts payable within one year42/48€778k€531k▼

Current portion of amounts payable after more than one year42€69k€71k▲

Financial debts43€250k€0▼

Credit institutions430/8€250k€0▼

Trade debts44€241k€273k▲

Suppliers440/4€241k€273k▲

Taxes, remuneration and social security45€49k€27k▼

Taxes450/3€22k€315▼

Remuneration and social security454/9€27k€27k▼

Other amounts payable47/48€170k€160k▼

Accrued charges and deferred income492/3€6k€497▼

Income statement Code20242025

Remuneration, social security and pensions62€157k€157k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€268k▲

Other operating charges640/8€3k€3k▼

Gross operating margin9900€-19k€-172k▼

Operating profit (loss)9901€-197k€-599k▼

Financial income75/76B€13€935▲

Recurring financial income75€13€935▲

Financial charges65/66B€39k€20k▼

Recurring financial charges65€39k€20k▼

Profit (loss) for the period before taxes9903€-236k€-619k▼

Income taxes67/77€319€367▲

Profit (loss) for the period9904€-236k€-619k▼

Profit (loss) for the period to be appropriated9905€-236k€-619k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-701k€-1.32M▼

Profit (loss) brought forward from the previous period14P€-465k€-701k▼

Social balance

Average headcount (FTE)90872.7-

The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 4Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-619k

Net result drops to €-619k, the lowest in the series.

31-12

Financial Equity above €150kEq €163k

Equity rises from €-47k to €163k.

29-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 30 days late

2023

03-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

26-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 26 days late

2021

31-12

Financial Liquidity triplescurrent ratio 3.80

Current ratio from 1.50 to 3.80.

31-12

Financial Equity above €200kEq €481k ▲940%

Equity rises from €46k to €481k.

25-06

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

7 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, Antwerpen · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Noorderlaan 1332030 Antwerpen

Ground area

1.1 ha

Building footprint

2,719 m²

Volume, LiDAR

51,647 m³

Parcel 11807G1697/00H000, Flanders · tallest building 41.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

TCOFLEET

Noorderlaan 133, 2030 AntwerpenComputer programming, consultancy and related activities

since 20192.283.758.003

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11807G1697/00H000	Flanders	1.1 ha	1 · 2,719 m²	41.7 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.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 6 entries · 53,055 EUR awarded · 5,939 EUR paid

Year	Entries	awarded	paid
2025	2	0 EUR	0 EUR
2024	2	47,500 EUR	384 EUR
2023	1	1,140 EUR	1,140 EUR
2022	1	4,415 EUR	4,415 EUR

Schemes

Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)

3 entries · 47,500 EUR · Fonds voor Innoveren en Ondernemen

Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)

2 entries · 5,555 EUR · 5,555 EUR paid · Departement Werk en Sociale Economie

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 384 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Nazareth-De Pinte · Eq €163k

Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 15,194 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded11-01-2019

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

70200Business and other management consultancy

70220Business consulting

62010Computer programming, consultancy and related activities

62900Other information technology and computer services

62100Computer programming

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.