TD Trading

Active

Private limited companyfounded 20215 yrs activeResedastraat 1, 9920 Lievegem, BelgiumKBO/BCE: BE 0763.589.146

The computed 12-month bankruptcy probability of TD Trading is 2.0% (moderate). The 2025 annual accounts show equity of €36k and a net result of €12k. Equity is growing by ~45.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 467 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +35 vs 2024

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

Axes · tick = 2024

Profitability81▲+81

Solvency100▲+1

Growth85▲+7

Stability94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 5.64 against 2.5 in 2024), and 17% 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

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

83%

Return on assets

27.5%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 5 filings

Deviation from the deadline

2025

40 d late

2024

61 d late

2023

25 d early

2022

122 d late

2021

61 d late

← 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

15-09-2026 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

Turnover

€127k▲ 14,211%

2021 · €887

2021: €887

2021 → 2025

EBIT margin

13.3%▲ 404.1pp

2021 · -390.8%

2021: -390.8%

2021 → 2025

Net result

€12k

2024 · €-2k

2021: €-4k 2022: €10k 2023: €8k 2024: €-2k

2021 → 2025

Working capital

€35k▲ 51.9%

2024 · €23k

2022: €18k 2023: €25k 2024: €23k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€887-€127k

Equity€8k-€18k▲ 133%€26k▲ 44.7%€24k▼ 6.5%€36k▲ 49.6%

Operating result€-3k-€12k€10k▼ 16.2%€2k▼ 81.5%€17k▲ 798%

Net result€-4k-€10k€8k▼ 21.7%€-2k€12k

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 798% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €44k

96.2%

Fixed assets €2k▲ 13.3%

Current assets €42k▲ 10.6%

Equity and liabilities €44k

83.0%

17.0%

Equity €36k▲ 49.6%

Debt €7k▼ 51.1%

The debt ratio falls from 38.6% to 17.0%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€17k▲

2024 · €2k

Cash flow

€13k▲

2024 · €-1k

Solvency

83.0%▲

2024 · 61.4%

Current ratio

5.64▲

2024 · 2.50

Quick ratio

5.64▲

2024 · 2.50

Debt / equity

0.21▼

2024 · 0.63

ROE

33.1%▲

2024 · -6.9%

ROA

27.5%▲

2024 · -4.2%

Interest coverage

8.80▲

2024 · 1.53

Debt

€7k▼

2024 · €15k

Debt ≤ 1 year

€7k▼

2024 · €15k

Income taxes

€3k▲

2024 · €2k

Staff costs

€6k▲

2024 · €2k

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€40k€44k▲

Fixed assets21/28€1k€2k▲

Tangible fixed assets22/27€1k€2k▲

Plant, machinery and equipment23€1k€2k▲

Current assets29/58€38k€42k▲

Amounts receivable within one year40/41€32k€38k▲

Trade receivables40€23k€28k▲

Other amounts receivable41€9k€10k▲

Cash at bank and in hand54/58€6k€4k▼

Equity and liabilities

Total equity and liabilities10/49€40k€44k▲

Equity10/15€24k€36k▲

Contributions10/11€12k€12k=

Reserves13€8k€8k=

Distributable reserves133€8k€8k=

Profit (loss) carried forward14€5k€17k▲

Amounts payable17/49€15k€7k▼

Amounts payable within one year42/48€15k€7k▼

Current portion of amounts payable after more than one year42€3k-

Trade debts44€5k€537▼

Suppliers440/4€5k€537▼

Taxes, remuneration and social security45€6k€7k▲

Taxes450/3€3k€4k▲

Remuneration and social security454/9€3k€3k▲

Other amounts payable47/48€988€385▼

Income statement Code20242025

Turnover70-€127k

Goods, raw materials, services and sundry goods60/61-€115k

Remuneration, social security and pensions62€2k€6k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€395€529▲

Other operating charges640/8€594€898▲

Gross operating margin9900€5k€25k▲

Operating profit (loss)9901€2k€17k▲

Financial income75/76B€5-

Recurring financial income75€5-

Financial charges65/66B€1k€2k▲

Recurring financial charges65€1k€2k▲

Profit (loss) for the period before taxes9903€400€15k▲

Income taxes67/77€2k€3k▲

Profit (loss) for the period9904€-2k€12k▲

Profit (loss) for the period to be appropriated9905€-2k€12k▲

Appropriation of the result

Profit (loss) to be appropriated9906€5k€17k▲

Profit (loss) brought forward from the previous period14P€7k€5k▼

The notes to these accounts (5 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 8Financial 3Filings 5

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

2026

09-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 40 days late

2025

31-12

Financial Back to profitnet €12k

Net result €12k after one loss-making year.

31-12

Financial Liquidity doublescurrent ratio 5.64

Current ratio from 2.50 to 5.64; short-term debt falls from €15k to €7k.

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

06-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 122 days late

2022

31-12

Financial Back to profitnet €10k

Net result €10k after one loss-making year.

30-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 61 days late

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, Lievegem · 1 establishment unit since 2021

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.

Resedastraat 19920 Lievegem

Ground area

645 m²

Building footprint

151 m²

Volume, LiDAR

720 m³

Parcel 44036A1714/00C000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

TD Trading ~ BeautyByCi

Resedastraat 1, 9920 LievegemConstruction of roads and motorways

since 20212.313.252.733

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44036A1714/00C000	Flanders	645 m²	1 · 151 m²	6.9 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

2025 · 1 entry · 339 EUR awarded · 339 EUR paid

Year	Entries	awarded	paid
2025	1	339 EUR	339 EUR

Schemes

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

1 entry · 339 EUR · 339 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Recognised contractor

11 categories

TD Trading BV42391

category C, class 1 · category C1, class 1 · category C2, class 1 · category C6, class 1 · category D16, class 1 · category G1, class 1 · category G2, class 1 · category G5, class 1 · category P1, class 1 · category P2, class 1 · category P3, class 1

decision 27-08-2026