TDM3
ActiveTDM3 has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €784k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 2273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency63▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity tight (current ratio 1.5 against 1.73 in 2024; short-term debt: 62% and cash: 91.1% of total assets), and 62% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
38%
Return on assets
26.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
72 d early
2023
28 d late
2022
69 d early
2021
69 d early
2020
72 d early
2019
73 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€895k
EBIT margin
14.9%
Net result
€784k▲ 20.1%
2024 · €653k
2018: €131k
2019: €148k
2020: €323k
2021: €334k
2022: €415k
2023: €515k
2024: €653k
2018 → 2025
Working capital
€920k▲ 17.2%
2024 · €785k
2018: €107k
2019: €222k
2020: €239k
2021: €300k
2022: €406k
2023: €544k
2024: €785k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€651k-€750k▲ 15.3%€853k▲ 13.7%€984k▲ 15.3%€1.14M▲ 15.9%
Operating result€339k-€420k▲ 23.9%€517k▲ 23.0%€650k▲ 25.8%€784k▲ 20.5%
Net result€334k-€415k▲ 24.1%€515k▲ 24.1%€653k▲ 26.9%€784k▲ 20.1%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.00M
Fixed assets
€221k▲ 10.9%
Current assets
€2.78M▲ 49.7%
Equity and liabilities €3.00M
Equity
€1.14M▲ 15.9%
Debt
€1.86M▲ 73.4%
The debt ratio rises from 52.1% to 62.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€876k▲
2024 · €772k
Cash flow
€876k▲
2024 · €775k
Solvency
38.0%▼
2024 · 47.9%
Current ratio
1.50▼
2024 · 1.73
Quick ratio
1.50▼
2024 · 1.73
Debt / equity
1.63▲
2024 · 1.09
ROE
68.7%▲
2024 · 66.4%
ROA
26.1%▼
2024 · 31.8%
Interest coverage
305.20▼
2024 · 578.05
Debt
€1.86M▲
2024 · €1.07M
Debt ≤ 1 year
€1.86M▲
2024 · €1.07M
Income taxes
€-3k▲
2024 · €-4k
Staff costs
€720k▲
2024 · €717k
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€2.06M€3.00M▲
Fixed assets21/28€199k€221k▲
Intangible fixed assets21€143k€172k▲
Tangible fixed assets22/27€56k€49k▼
Furniture and vehicles24€7k€9k▲
Other tangible fixed assets26€49k€39k▼
Current assets29/58€1.86M€2.78M▲
Amounts receivable within one year40/41€105k€44k▼
Trade receivables40€88k€11k▼
Other amounts receivable41€17k€33k▲
Cash at bank and in hand54/58€1.75M€2.73M▲
Deferred charges and accrued income490/1€318€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.06M€3.00M▲
Equity10/15€984k€1.14M▲
Contributions10/11€500k€500k=
Reserves13€484k€641k▲
Non-distributable reserves130/1€21k€21k=
Other1319€21k€21k=
Distributable reserves133€463k€620k▲
Amounts payable17/49€1.07M€1.86M▲
Amounts payable within one year42/48€1.07M€1.86M▲
Financial debts43-€503k
Other loans439-€503k
Trade debts44€28k€65k▲
Suppliers440/4€28k€65k▲
Advances received on contracts in progress46€443k€607k▲
Taxes, remuneration and social security45€86k€56k▼
Taxes450/3€8k-
Remuneration and social security454/9€78k€56k▼
Other amounts payable47/48€515k€627k▲
Income statement
Code20242025
Remuneration, social security and pensions62€717k€720k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122k€92k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€1.49M€1.60M▲
Operating profit (loss)9901€650k€784k▲
Financial income75/76B€28€0▼
Recurring financial income75€28€0▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€649k€781k▲
Income taxes67/77€-4k€-3k▲
Profit (loss) for the period9904€653k€784k▲
Profit (loss) for the period to be appropriated9905€653k€784k▲
Appropriation of the result
Profit (loss) to be appropriated9906€653k€784k▲
Transfer to equity691/2€131k€157k▲
To other reserves6921€131k€157k▲
Profit to be distributed694/7€522k€627k▲
Return on contributions (dividend)694€522k€627k▲
Social balance
Average headcount (FTE)90877.57.1▼
The notes to these accounts (9 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
04-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director discharge6 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director discharge6 facts ▸
- General meeting, 2026-05-18
- Director resignation, Elise Heyvaert (niet-statutaire bestuurder)
- Director discharge, Elise Heyvaert
- Director appointment, BV SENDER (niet-statutaire bestuurder)
- Mandate compensation, BV SENDER
- Permanent representative, Elise Heyvaert
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €784k ▲20.1%
Operating result €784k, net result €784k, both a record.
31-12
Financial
Equity above €1MEq €1.14M ▲15.9%
8 profitable years in a row build equity to €1.14M.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
BV SENDER
CurrentNon-statutory director · since 18-05-2026 · Legal entity · perm. rep.: Elise Heyvaert
18-05-2026
BV SENDER: Appointed as Non-statutory director
18-05-2026
Elise Heyvaert: Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Aalst · 1 establishment unit since 2014
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.
Drie Sleutelsstraat 749300 AalstGround area
1,605 m²
Building footprint
800 m²
Volume, LiDAR
7,253 m³
Parcel 41303D0760/00H000, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TDM3
since 20142.237.189.093
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41303D0760/00H000 | Flanders | 1,605 m² | 1 · 800 m² | 13.6 m · 3 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 · 2 entries · 637 EUR awarded · 221 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 637 EUR | 221 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies jeugdhulp
Similar companies · same sector, comparable size
Charleroi Entreprendre
BE 0427.178.892
Charleroi · Eq €1.14M
ALPEBO
BE 0767.832.697
Puurs-Sint-Amands · Eq €1.14M
PH. SCHEIR
BE 0449.479.291
Aalter · Eq €1.14M
Havenzijde
BE 0667.631.105
Deinze · Eq €1.14M
BETRACON
BE 0832.554.958
Ledegem · Eq €1.14M
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 4,296 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2014
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.