TECH-D
ActiveSummary
TECH-D has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €14k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+8
Solvency73▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.36 in 2024; short-term debt: 49.2% and cash: 6% of total assets), and 52% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
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
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
48%
Return on assets
4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-10-2025, 113 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
113 d early
2024
128 d early
2023
13 d late
2022
4 d early
2021
15 d late
2020
1 d late
2019
13 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▲ 9.1%
2024 · €152k
2019: €125k
2020: €125k
2021: €149k
2022: €192k
2023: €192k
2024: €152k
2019 → 2025
Total assets
€345k▼ 8.0%
2024 · €375k
2019: €317k
2020: €365k
2021: €390k
2022: €458k
2023: €391k
2024: €375k
2019 → 2025
Net result
€14k
2024 · €-7k
2019: €33k
2020: €-190
2021: €24k
2022: €43k
2023: €196
2024: €-7k
2019 → 2025
Working capital
€-108k▲ 16.0%
2024 · €-128k
2019: €-112k
2020: €-184k
2021: €-154k
2022: €-99k
2023: €-84k
2024: €-128k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€192k▲ 28.8%€192k▲ 0.1%€152k▼ 21.0%€166k▲ 9.1%
Operating result€34k-€65k▲ 92.3%€836▼ 98.7%€-6k€22k
Net result€24k-€43k▲ 75.7%€196▼ 99.5%€-7k€14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €22k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€283k ▼ 7.0%
Current assets
€62k ▼ 12.3%
Equity and liabilities €345k
Equity
€166k ▲ 9.1%
Debt
€180k ▼ 19.6%
Debt's share of the balance-sheet total falls from 59.6% to 52.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▲
2024 · €29k
Cash flow
€50k▲
2024 · €28k
Current ratio
0.37▲
2024 · 0.36
Quick ratio
0.24▼
2024 · 0.26
Debt to equity
1.09▼
2024 · 1.47
ROE
8.3%▲
2024 · -4.5%
ROA
4.0%▲
2024 · -1.8%
Interest coverage
16.67▼
2024 · 26.39
Debt ≤ 1 year
€170k▼
2024 · €199k
Debt > 1 year
€10k▼
2024 · €24k
Income taxes
€5k▲
2024 · €157
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€375k€345k▼
Fixed assets21/28€304k€283k▼
Intangible fixed assets21€29k€24k▼
Tangible fixed assets22/27€275k€259k▼
Land and buildings22€228k€229k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€3k€27k▲
Leasing and similar rights25€42k€0▼
Current assets29/58€71k€62k▼
Stocks and contracts in progress3€20k€21k▲
Stocks30/36€20k€21k▲
Amounts receivable within one year40/41€21k€18k▼
Trade receivables40€13k€17k▲
Other amounts receivable41€8k€374▼
Cash at bank and in hand54/58€10k€21k▲
Deferred charges and accrued income490/1€21k€3k▼
Equity and liabilities
Total equity and liabilities10/49€375k€345k▼
Equity10/15€152k€166k▲
Contributions10/11€19k€19k=
Reserves13€69k€83k▲
Distributable reserves133€69k€83k▲
Profit (loss) carried forward14€64k€64k▲
Amounts payable17/49€224k€180k▼
Amounts payable after more than one year17€24k€10k▼
Financial debts170/4€24k€10k▼
Amounts payable within one year42/48€199k€170k▼
Current portion of amounts payable after more than one year42€18k€15k▼
Financial debts43€32€0▼
Credit institutions430/8€32€0▼
Trade debts44€4k€0▼
Suppliers440/4€4k€0▼
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€5k▲
Other amounts payable47/48€176k€150k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€31k€65k▲
Operating profit (loss)9901€-6k€22k▲
Financial income75/76B€702€32▼
Recurring financial income75€702€32▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-7k€18k▲
Income taxes67/77€157€5k▲
Profit (loss) for the period9904€-7k€14k▲
Profit (loss) for the period to be appropriated9905€-7k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€78k▲
Profit (loss) brought forward from the previous period14P€71k€64k▼
Transfer from equity791/2€33k€0▼
Transfer to equity691/2-€14k
To other reserves6921-€14k
Profit to be distributed694/7€33k€0▼
Return on contributions (dividend)694€33k€0▼
The notes to these accounts (12 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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
13-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €43k ▲75.7%
Operating result €65k, net result €43k, both a record.
30-06
Financial
Equity above €150kEq €192k ▲28.8%
2 profitable years in a row build equity to €192k.
15-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
30-06
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
13-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
Show earlier events
2019
11-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 11 days late
2018
22-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Leuven · 2 establishment units since 2006
Ground area
3,553 m²
Building footprint
599 m²
Volume, LiDAR
2,911 m³
2 parcels, Flanders, Wallonia · tallest building 15.6 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
Tech-D
since 20062.151.981.028
Rue de la Gare d'Hédenge 49, 1367 Ramillies
since 20192.292.895.896
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25002A0248/00Z002 | Wallonia | 2,035 m² | 1 · 142 m² | 9.9 m · 2 fl. |
| 24483E0085/00X005 | Flanders | 1,518 m² | 1 · 457 m² | 15.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
B.G.S.M.
BE 0819.163.416
Seraing · Eq €165,621
ESE
BE 0816.545.406
Kapellen · Eq €165,559
WILLEMS PIET
BE 0808.248.441
Bilzen-Hoeselt · Eq €165,532
ACTIO'NOVO
BE 0454.406.101
Waregem · Eq €165,529
SOTRATECH
BE 0717.653.411
Herstal · Eq €165,481
Of 22,815 companies in sector 43211 we hold annual accounts for 10,320. 8,518 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2005
Fiscal year end30-06
Activities, NACEBEL 2025
43211General electrical installation work
41001General construction of residential buildings
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.