Summary
TCRD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €8k and a net result of €6k. Its solvency ranks better than 38% of 8048 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€8k
Net result
€6k
Total assets
€22k
Solvency
36.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €22k
Fixed assets
€1k
Current assets
€21k
Equity and liabilities €22k
Equity
€8k
Debt
€14k
Debt finances 63.5% of the balance-sheet total.
Key figures and ratios
ROE
74.9%
ROA
27.3%
Debt ≤ 1 year
€14k
Income taxes
€2k
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet
Code2025
Assets
Total assets20/58€22k
Fixed assets21/28€1k
Tangible fixed assets22/27€1k
Plant, machinery and equipment23€1k
Current assets29/58€21k
Cash at bank and in hand54/58€21k
Equity and liabilities
Total equity and liabilities10/49€22k
Equity10/15€8k
Contributions10/11€2k
Reserves13€6k
Distributable reserves133€6k
Amounts payable17/49€14k
Amounts payable within one year42/48€14k
Trade debts44€920
Suppliers440/4€920
Taxes, remuneration and social security45€12k
Taxes450/3€11k
Remuneration and social security454/9€2k
Other amounts payable47/48€474
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€207
Other operating charges640/8€469
Gross operating margin9900€9k
Operating profit (loss)9901€8k
Financial income75/76B€7
Recurring financial income75€7
Financial charges65/66B€705
Recurring financial charges65€705
Profit (loss) for the period before taxes9903€8k
Income taxes67/77€2k
Profit (loss) for the period9904€6k
Profit (loss) for the period to be appropriated9905€6k
Appropriation of the result
Profit (loss) to be appropriated9906€6k
Transfer to equity691/2€6k
To other reserves6921€6k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €207 |
| Other operating charges640/8 | €469 |
| Gross operating margin9900 | €9k |
| Operating profit (loss)9901 | €8k |
| Financial income75/76B | €7 |
| Recurring financial income75 | €7 |
| Financial charges65/66B | €705 |
| Recurring financial charges65 | €705 |
| Profit (loss) for the period before taxes9903 | €8k |
| Income taxes67/77 | €2k |
| Profit (loss) for the period9904 | €6k |
| Profit (loss) for the period to be appropriated9905 | €6k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €22k | |
| Fixed assets21/28 | €1k | |
| Tangible fixed assets22/27 | €1k | |
| Plant, machinery and equipment23 | €1k | |
| Current assets29/58 | €21k | |
| Cash at bank and in hand54/58 | €21k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €22k | |
| Equity10/15 | €8k | |
| Contributions10/11 | €2k | |
| Reserves13 | €6k | |
| Distributable reserves133 | €6k | |
| Amounts payable17/49 | €14k | |
| Amounts payable within one year42/48 | €14k | |
| Trade debts44 | €920 | |
| Suppliers440/4 | €920 | |
| Taxes, remuneration and social security45 | €12k | |
| Taxes450/3 | €11k | |
| Remuneration and social security454/9 | €2k | |
| Other amounts payable47/48 | €474 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €6k |
| + Depreciation and write-downs630 | €207 |
| Operating cash flow (approximation) | €6k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oudergem · 1 establishment unit since 2025
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.
Tervuurse steenweg 101160 Oudergem1 establishment unit
TCRD
since 20252.370.666.142
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Of 807 companies in sector 64999 we hold annual accounts for 484. 147 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
85520Cultural education
Scores and ratios are computed by Checked and are not a credit decision.