TECA-BMD
ActiveSummary
TECA-BMD has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29,353 and a net result of -€2,140. Equity has been shrinking by about 12% per year since 2018. Its solvency ranks better than 26% of 1,829 sector peers (NACE 77, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-12-2017 Normal situation
- Activity
- Renting and leasing of other personal and household goods NACE 77229and 3 others
- Establishment unit
- 2.273.558.551 4570 Marchin, since 22-12-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 27-02-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.0%
- Gross margin
- €46,440
- ▼ 15.2%
- Turnover
- ≈ €190,000
- estimated
- Loss
- €2,140
- Equity
- €29,353
- ▼ 6.8%
- Total assets
- €903,866
- ▼ 4.8%
Score breakdownraises riskLiquidity: current ratio 0.03, cash €420, halvedEquity €29,353 (3.2% of total assets)lowers riskSize: total assets €903,866Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 77, micro). It does better than 23% of them on solvency, 35% on liquidity, 29% on profitability and 30% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 77), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 05-07-2026 at the NBB all 8 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 42% lower than in 2024. It is the second fall in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Rental and leasing activities (NACE 77). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €16,642 | €8,816 | - | €3,950 | - |
| Depreciation and write-downs of the year | €28,488 | €28,364 | €28,587 | €29,114 | €29,377 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as TECA-BMD: renting and leasing of other personal and household goods (NACE 77229). They are comparable in size and age: total assets between €384,000 and €1.1m, founded between 2014 and 2018.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| TECA-BMD Marchin | 2017 | €0.9m | €0.03m | €0.05m | -€0.002m | - | 2025 |
| LOUBAVA Zedelgem | 2016 | €0.6m | -€0.05m | €0.06m | €0.04m | - | 2025 |
| ALFONS Anzegem | 2016 | €0.5m | €0.09m | €0.04m | €0.006m | 0 | 2025 |
| ALTACASA Charleroi | 2014 | €1.1m | -€0.2m | €0.05m | -€0.02m | - | 2025 |
| HOME STYLE Comines-Warneton | 2018 | €0.4m | €0.05m | €0.05m | -€0.01m | - | 2025 |
| Flandria-Cool Lo-Reninge | 2015 | €1.0m | €0.2m | €0.1m | €0.1m | - | 2025 |
| ALLCO INVEST Zonhoven | 2016 | €0.4m | €0.2m | €0.07m | €0.04m | - | 2025 |
They were chosen from the 334 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 819 companies had the same profile as TECA-BMD has now. Two years later, 1.8% had gone bankrupt and 94.7% were still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of TECA-BMD itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 819 companies, not a prediction for TECA-BMD. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €5,225 | €150 | €6,492 | ▲ 43× |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €27,642 | €28,488 | €28,364 | €28,587 | €29,114 | €29,377 | ▲ 0.9% |
| Other operating charges640/8 | - | - | - | €18 | €18 | €5,380 | €4,988 | €5,088 | ▲ 2.0% |
| Gross operating margin9900 | -€56,657 | -€16,051 | €44,550 | €53,057 | €16,669 | €54,905 | €54,750 | €46,440 | ▼ 15.2% |
| Operating profit (loss)9901 | -€56,853 | -€16,363 | €16,890 | €24,551 | -€11,713 | €20,938 | €20,648 | €11,974 | ▼ 42.0% |
| Financial income75/76B | - | - | - | - | - | €16 | €139 | €43 | ▼ 69.4% |
| Recurring financial income75 | €0 | - | - | - | - | €16 | €139 | €43 | ▼ 69.4% |
| Financial charges65/66B | - | - | - | €16,970 | €16,418 | €15,833 | €14,947 | €14,158 | ▼ 5.3% |
| Recurring financial charges65 | €23 | €11,015 | €16,555 | €16,970 | €16,418 | €15,833 | €14,947 | €14,158 | ▼ 5.3% |
| Profit (loss) for the period before taxes9903 | -€56,877 | -€27,379 | €336 | €7,582 | -€28,131 | €5,121 | €5,841 | -€2,140 | - |
| Profit (loss) for the period9904 | -€56,877 | -€27,379 | €336 | €7,582 | -€28,131 | €5,121 | €5,841 | -€2,140 | - |
| Profit (loss) for the period to be appropriated9905 | -€56,877 | -€27,379 | €336 | €7,582 | -€28,131 | €5,121 | €5,841 | -€2,140 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.3m | €1.0m | €1.0m | €1.1m | €1.0m | €1.0m | €0.9m | €0.9m | ▼ 4.8% |
| Fixed assets21/28 | €0.3m | €1.0m | €1.0m | €1.0m | €1.0m | €0.9m | €0.9m | €0.9m | ▼ 3.2% |
| Tangible fixed assets22/27 | €0.3m | €1.0m | €1.0m | €1.0m | €1.0m | €0.9m | €0.9m | €0.9m | ▼ 3.2% |
| Land and buildings22 | - | - | - | €1.0m | €1.0m | €0.9m | €0.9m | €0.9m | ▼ 3.1% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | €0.003m | €0.003m | ▼ 23.1% |
| Current assets29/58 | €0.04m | €0.02m | €0.04m | €0.07m | €0.03m | €0.03m | €0.03m | €0.009m | ▼ 64.8% |
| Amounts receivable within one year40/41 | - | €0.01m | €0.02m | €0.006m | €0.007m | €0.008m | €0.009m | €0.008m | ▼ 6.0% |
| Trade receivables40 | - | - | - | - | €0.001m | - | - | - | - |
| Other amounts receivable41 | - | - | - | €0.006m | €0.006m | €0.008m | €0.009m | €0.008m | ▼ 6.0% |
| Cash at bank and in hand54/58 | €0.04m | €0.005m | €0.02m | €0.07m | €0.02m | €0.02m | €0.02m | €420 | ▼ 97.4% |
| Deferred charges and accrued income490/1 | - | - | - | €249 | €276 | €307 | €322 | €334 | ▲ 3.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.3m | €1.0m | €1.0m | €1.1m | €1.0m | €1.0m | €0.9m | €0.9m | ▼ 4.8% |
| Equity10/15 | €0.07m | €0.04m | €0.04m | €0.05m | €0.02m | €0.03m | €0.03m | €0.03m | ▼ 6.8% |
| Contributions10/11 | €0.1m | €0.1m | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Profit (loss) carried forward14 | -€0.06m | -€0.08m | -€0.08m | -€0.08m | -€0.1m | -€0.1m | -€0.09m | -€0.1m | ▼ 2.3% |
| Amounts payable17/49 | €0.2m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €0.9m | €0.9m | ▼ 4.7% |
| Amounts payable after more than one year17 | - | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | €0.6m | €0.6m | ▼ 5.7% |
| Financial debts170/4 | - | - | - | €0.7m | €0.7m | €0.7m | €0.6m | €0.6m | ▼ 5.8% |
| Other amounts payable178/9 | - | - | - | €0.005m | €0.008m | €0.01m | €0.008m | €0.008m | = |
| Amounts payable within one year42/48 | €0.2m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 2.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.03m | €0.03m | €0.03m | €0.04m | €0.04m | ▲ 2.2% |
| Financial debts43 | - | - | - | - | €15 | - | - | €0.003m | - |
| Credit institutions430/8 | - | - | - | - | €15 | - | - | €0.003m | - |
| Trade debts44 | €0.005m | €0.02m | €0.001m | €0.007m | €0.008m | €0.01m | €0.01m | €0.001m | ▼ 91.8% |
| Suppliers440/4 | - | - | - | €0.007m | €0.008m | €0.01m | €0.01m | €0.001m | ▼ 91.8% |
| Other amounts payable47/48 | - | - | - | €0.3m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€56,877 | -€27,379 | €336 | €7,582 | -€28,131 | €5,121 | €5,841 | -€2,140 | - |
| + Depreciation and write-downs630 | - | - | €27,642 | €28,488 | €28,364 | €28,587 | €29,114 | €29,377 | ▲ 0.9% |
| Operating cash flow (approximation) | -€56,877 | -€27,379 | €27,978 | €36,070 | €233 | €33,708 | €34,954 | €27,237 | ▼ 22.1% |
| Investment in fixed assets (approximation) | - | -€760,589 | -€6,642 | -€16,642 | -€8,816 | €0 | -€3,950 | €0 | - |
| Change in cash | - | -€33,975 | €16,443 | €45,181 | -€47,746 | €3,677 | -€5,892 | -€15,786 | ▼ 168% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (8)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 05-07-2026 | 2026-00252830 | NBB |
| 31-12-2024 | micro format | 28-06-2025 | 2025-00191796 | |
| 31-12-2023 | micro format | 12-07-2024 | 2024-00238662 | |
| 31-12-2022 | micro format | 19-07-2023 | 2023-00249230 | |
| 31-12-2021 | micro format | 24-06-2022 | 2022-20088926 | |
| 31-12-2020 | micro format | 27-08-2021 | 2021-54300326 | |
| 31-12-2019 | micro format | 17-08-2020 | 2020-41000448 | |
| 31-12-2018 | micro format | 02-07-2019 | 2019-26200450 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 16-03-2023 Converted to unavailable equity · €125,000
Mandate history
- Board
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| Miguel LIGOT |
|
| BAUDOUIN Brigitte |
|
| Brigitte BAUDOIN |
|
Articles of association
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “22, en tout temps décision assemblée générale formes modifications statuts”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “23, dissolution pour quelque cause et moment”
Articles of association, deed of 16-03-2023 (in French)
Network & group
TECA-BMD shares no director with another company.
Companies at the same address
3 other companiesConnections & network
2 current directorsThe network starts from the directors of TECA-BMD. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
16-03
Gazette deed
Reappointments: Brigitte BAUDOIN (director) and Miguel LIGOT (director)Legal-form conversion · Capital conversion · Amendment of the articles12 points ▸
- General meeting, 14-03-2023
- Other provision, “soumission au Code des sociétés et des associations, date de publication du présent acte” (deed in French)
- Legal-form conversion, “société à responsabilité limitée” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Amendment of the articles
- Capital
- Power of attorney, Henri DEBOUCHE
- Director reappointment, Brigitte BAUDOIN (director (not named in the articles))
- Director reappointment, Miguel LIGOT (director (not named in the articles))
- Director discharge, Brigitte BAUDOIN (manager)
- Director discharge, Miguel LIGOT (manager)
- Registered office clause, “4570-Marchin,rue Joseph Wauters,50/0001” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
8 activities
- La gestion d'un patrimoine immobilier,mobilier et financier
- L'achat,la vente,la location,la construction,la rénovation,l'innovation,l'adaptation,l'amélioration,l'assainissement,...de bien immobilier,mobilier,de terrain
- En ce qui concerne les biens immobiliers cela peut être des habitations,bâtiments industriels,hangar,ateliers,garages,des bâtiments historiques,des bâtiments classés,des maisons passives,des maisons améliorées pour le CO2
- La promotion et l'utilisation de toute forme d'énergie,surtout les énergies vertes partout dans le monde
- Elle peut promouvoir et élaborer des actions contre la pollution
- Effectuer toutes opérations mobilières,immobilières,financières,industrielles,commerciales ou civiles dans les limites de son objet social
- Pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet social ou qui serait de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet
- S'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 61039B0514/00V006 | Wallonia | 1,288 m² | 1 · 256 m² | 9.5 m · 2 |