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Complete company report
Generated 06-08-2026
Active BE 0799.927.821Private limited company

TD Finance

Biezenstraat 6 ·8020 Oostkamp, Belgium· 3 yrs active
Sector: NACE 66191 (66191)
Conclusion Checked

TD Finance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €20k and a net result of €417k. Its solvency ranks better than 15% of 227 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €20k
Net result €417k
Staff (FTE) 8.9
Better than sector 15%
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency1Growth50Stability79
46 / 100

Mixed profile: strong on profitability, weaker on health.

Health 0
Profitability 100
Solvency 1
Growth 50
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
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.
Financial overview1 NBB filings
Annual accounts filed on 20-08-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 0.8% 21.3%
better than 15% of 227 sector peers
Net result €417k €66k
better than 88% of 227 sector peers
Equity €20k €128k
better than 21% of 227 sector peers
Gross operating margin €1.84M €407k
better than 95% of 226 sector peers
Staff costs €931k €353k
higher than 86% of 151 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€417k
Cash flown/a
Staff costs€931k
Income taxes€17k
Dividends-
Total assets€2.39M
Equity€20k
Debt€2.37M
of which ≤ 1y€856k
of which > 1y€1.51M
Working capitaln/a
Employees (FTE)8.9
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency0.8%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA17.4%
ROE2119.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2.39M
Fixed assets 21/28€1.98M
Intangible fixed assets 21€1.91M
Tangible fixed assets 22/27€63k
Current assets 29/58€417k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.39M
Equity 10/15€20k
Contributions / capital 10/11€3k
Reserves 13€17k
Accumulated profits (losses) 14€0
Amounts payable 17/49€2.37M
Amounts payable after one year 17€1.51M
Amounts payable within one year 42/48€856k
Trade debts payable within one year 44€29k
Income statement
Gross operating margin 9900€1.84M
Operating result 9901€538k
Financial income 75€250
Financial charges 65€105k
Result before taxes 9903€433k
Income taxes 67/77€17k
Net result for the period 9904€417k
Result to be appropriated 9905€417k
Ratios computed by Checked.
Legal Structure
NACE primary 66191
Legal form Private limited company(610)
Incorporation24-03-2023
StatusActive
Postal code8020
Establishment units 2 locations
TD Finance
Zwanestraat 2, 8820 TorhoutHandelsbemiddeling in de groothandel in andere specifieke goederen
since 20232.343.460.018
TD Finance
Grote Markt(D) 32, 8600 DiksmuideHandelsbemiddeling in de groothandel in andere specifieke goederen
since 20232.343.460.117
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31025I0279/00C006 Flanders 1,328 m² 1 · 241 m² 6.9 m · 2 fl.
32003B0313/00H000
ProtectedTownscape or village viewGrote Markt met omgevingSource ↗
 Flanders 429 m² 1 · 244 m² 15.9 m · 1 fl.
31033K0279/00A000 Flanders 281 m² 1 · 211 m² 14.4 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
20-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
13-02-2025
State Gazette act Capital & shares
Stefaan BUYLAERT
2024
12-11-2024
State Gazette act Director changes
Belgisch Staatsblad, acts 2 acts
Capital history · 1
13-02-2025
Capital change
All acts · 2 updated 1 year ago
2025
13-02-2025 Restructuring of share classes Capital & shares·Stefaan BUYLAERT
Notary: Stefaan BUYLAERT · TorchoutFirm: Buylaert, Dobbelaere & Vandeputte Notarissen
Technical details 
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  "notary": {
    "name": "Stefaan BUYLAERT",
    "firm_city": null,
    "firm_name": "Buylaert, Dobbelaere \u0026 Vandeputte Notarissen",
    "office_city": "Torchout",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-02-13",
    "filing_date": "2025-02-11",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2025-02-10",
    "unanimous": null,
    "under_authorized_capital": true,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": {
    "waived": false,
    "firm_kbo": null,
    "firm_name": "VRC Bedrijfsrevisoren BV",
    "ibr_number": null,
    "mission_type": "partial_split",
    "individual_name": "Steven T\u2019Jollyn"
  },
  "subject_company": {
    "kbo": "0799.927.821",
    "name_full": "TD Finance",
    "legal_form": "B.V.",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
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    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "Expeditie proces-verbaal buitengewone algemene vergadering van 10 februari 2025",
    "Co\u00F6rdinatie van de statuten",
    "Verslag bestuursorgaan overeenkomstig artikel 5:102 WVV",
    "Verslag bedrijfsrevisor overeenkomstig artikel 5:102 WVV"
  ],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "org",
      "name": "Saint-Pierre-Sur-Mer",
      "role": null,
      "n_shares": 150,
      "share_class": "B"
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "org",
      "name": "Finesto",
      "role": null,
      "n_shares": 150,
      "share_class": "B"
    }
  ],
  "share_classes_after": [
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      "n_shares": 700,
      "class_name": "A",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
    },
    {
      "n_shares": 300,
      "class_name": "B",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
    }
  ]
}
2024
12-11-2024 2 directors appointed, 3 resigning Director changes
  • BV Nicami, Dagelijks bestuur
  • Michael Vandemoortele, Vaste vertegenwoordiger
  • BV Nicami, Bestuurder
  • Michael Vandemoortele, Vaste vertegenwoordiger
  • BV Nicami, Dagelijks bestuur
Technical details 
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      "role": "bestuurder",
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    "pub_date": "2024-11-12",
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}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191Agenten en makelaars in bankdiensten66191
Primary activity highlighted.
Names & trade names
Legal nameNL TD Finance
Registered office
Biezenstraat 6
8020 Oostkamp, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative