TECH-HOLDING has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.56M and a net result of €3.23M. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 43% of 708 sector peers (fiscal year 2025). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
37 d early
2023
71 d early
2022
34 d early
2021
41 d early
2020
37 d early
2019
20 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€8.46M▲ 15.3%
2024 · €7.33M
2018: €7.13M
2019: €5.18M
2020: €6.27M
2021: €6.03M
2022: €6.92M
2023: €7.50M
2024: €7.33M
2018 → 2025
EBIT margin
2.5%▼ 0.9pp
2024 · 3.4%
2018: 2.9%
2019: 5.4%
2020: 3.0%
2021: 4.0%
2022: 8.4%
2023: 4.1%
2024: 3.4%
2018 → 2025
Net result
€3.23M▲ 12.0%
2024 · €2.88M
2018: €-6k
2019: €-1.50M
2020: €2.60M
2021: €256k
2022: €2.83M
2023: €7.75M
2024: €2.88M
2018 → 2025
Working capital
€-2.96M▼ 30.4%
2024 · €-2.27M
2018: €-4.88M
2019: €-4.99M
2020: €-3.99M
2021: €-4.15M
2022: €-3.07M
2023: €-2.74M
2024: €-2.27M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€6.03M-€6.92M▲ 14.7%€7.50M▲ 8.4%€7.33M▼ 2.2%€8.46M▲ 15.3%
Equity€2.67M-€3.50M▲ 31.1%€3.54M▲ 1.4%€4.33M▲ 22.1%€3.56M▼ 17.8%
Operating result€242k-€584k▲ 141%€306k▼ 47.6%€249k▼ 18.4%€208k▼ 16.5%
Net result€256k-€2.83M▲ 1,004%€7.75M▲ 174%€2.88M▼ 62.8%€3.23M▲ 12.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.44M
Fixed assets
€6.86M▼ 0.6%
Current assets
€3.58M▲ 21.4%
Equity and liabilities €10.44M
Equity
€3.56M▼ 17.8%
Provisions
€236k=
Debt
€6.65M▲ 25.7%
The debt ratio rises from 53.7% to 63.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
34.1%▼
2024 · 43.9%
ROE
90.8%▲
2024 · 66.6%
ROA
30.9%▲
2024 · 29.3%
Debt
€6.65M▲
2024 · €5.29M
Debt ≤ 1 year
€6.54M▲
2024 · €5.22M
Debt > 1 year
€53k▼
2024 · €65k
Income taxes
€56k▲
2024 · €38k
Staff costs
€2.50M▲
2024 · €2.42M
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€9.85M€10.44M▲
Fixed assets21/28€6.90M€6.86M▼
Intangible fixed assets21€867k€862k▼
Tangible fixed assets22/27€430k€215k▼
Plant, machinery and equipment23€20k€17k▼
Furniture and vehicles24€30k€46k▲
Assets under construction and advance payments27€380k€152k▼
Financial fixed assets28€5.61M€5.78M▲
Affiliated companies280/1€5.57M€5.57M=
Participating interests280€5.57M€5.57M=
Other financial fixed assets284/8€36k€213k▲
Shares284€28k€28k=
Amounts receivable and cash guarantees285/8€8k€184k▲
Current assets29/58€2.95M€3.58M▲
Stocks and contracts in progress3€908€1k▲
Stocks30/36€908€1k▲
Raw materials and consumables30/31€538€1k▲
Goods purchased for resale34€370-
Amounts receivable within one year40/41€2.75M€2.15M▼
Trade receivables40€2.32M€1.98M▼
Other amounts receivable41€424k€175k▼
Current investments50/53€7k€1.00M▲
Other investments51/53€7k€1.00M▲
Cash at bank and in hand54/58€58k€311k▲
Deferred charges and accrued income490/1€134k€116k▼
Equity and liabilities
Total equity and liabilities10/49€9.85M€10.44M▲
Equity10/15€4.33M€3.56M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€2.26M€2.26M=
Reserves13€2.00M€1.23M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€2.00M€1.23M▼
Provisions and deferred taxes16€236k€236k=
Provisions for liabilities and charges160/5€236k€236k=
Pensions and similar obligations160€236k€236k=
Amounts payable17/49€5.29M€6.65M▲
Amounts payable after more than one year17€65k€53k▼
Financial debts170/4€65k€53k▼
Credit institutions173€65k€53k▼
Amounts payable within one year42/48€5.22M€6.54M▲
Current portion of amounts payable after more than one year42€12k€12k▲
Financial debts43€1.23M-
Credit institutions430/8€1.23M-
Trade debts44€2.41M€1.35M▼
Suppliers440/4€2.41M€1.35M▼
Taxes, remuneration and social security45€381k€402k▲
Taxes450/3€38k€358▼
Remuneration and social security454/9€343k€401k▲
Other amounts payable47/48€1.19M€4.77M▲
Accrued charges and deferred income492/3€3k€51k▲
Income statement
Code20242025
Operating income70/76A€7.65M€8.72M▲
Turnover70€7.33M€8.46M▲
Own construction capitalised72€75k€15k▼
Other operating income74€238k€246k▲
Operating charges60/66A€7.40M€8.51M▲
Goods for resale, raw materials and consumables60€2k€6k▲
Purchases600/8€2k€7k▲
Change in stocks: decrease (increase)609€-318€-517▼
Services and other goods61€4.65M€5.61M▲
Remuneration, social security and pensions62€2.42M€2.50M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€316k€374k▲
Other operating charges640/8€16k€12k▼
Non-recurring operating charges66A€1k€675▼
Operating profit (loss)9901€249k€208k▼
Financial income75/76B€3.00M€3.25M▲
Recurring financial income75€3.00M€3.25M▲
Income from financial fixed assets750€3.00M€3.25M▲
Income from current assets751€3k€461▼
Other financial income752/9€78€96▲
Non-recurring financial income76B€0€0=
Financial charges65/66B€331k€172k▼
Recurring financial charges65€231k€172k▼
Debt charges650€88k€53k▼
Other financial charges652/9€143k€119k▼
Non-recurring financial charges66B€100k-
Profit (loss) for the period before taxes9903€2.92M€3.29M▲
Income taxes67/77€38k€56k▲
Taxes670/3€38k€56k▲
Profit (loss) for the period9904€2.88M€3.23M▲
Profit (loss) for the period to be appropriated9905€2.88M€3.23M▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.88M€3.23M▲
Transfer from equity791/2-€1.00M
From reserves792-€1.00M
Transfer to equity691/2€783k€230k▼
To other reserves6921€783k€230k▼
Profit to be distributed694/7€2.10M€4.00M▲
Return on contributions (dividend)694€2.10M€4.00M▲
Social balance
Average headcount (FTE)908723.024.8▲
The notes to these accounts (66 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
04-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Permanent representative8 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Permanent representative8 facts ▸
- General meeting, 09/06/2026
- Director reappointment, SPARAXIS (administrateur)
- Permanent representative, Sabine COLSON
- Director reappointment, BG INNO CONSULTING (administrateur)
- Permanent representative, Benoit GAILLY
- Permanent representative, Alain PIRET
- Auditor appointment, AVISOR SRL (commissaire)
- Permanent representative, Dorothée HURTEUX
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €7.75M ▲174%
Net result €7.75M, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €2.60M
Net result €2.60M after 2 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €-1.50M
Net result drops to €-1.50M, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-03
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
1 director, no change since 2026
BG INNO CONSULTING
CurrentDirector · since 09-06-2026 · Legal entity
09-06-2026
Mandate renewed as Director
Location & real-estate footprint
Registered office, Tournai · 2 establishment units since 1987
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.
Rue de la Lys(TOU) 217500 TournaiGround area
554 m²
Building footprint
497 m²
Volume, LiDAR
3,527 m³
2 parcels, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue de la Lys(TOU) 21, 7500 Tournai
since 19872.143.809.767
Chaussée du Roeulx 9, 7000 Mons
since 19882.039.224.070
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462B0174/00A002 | Wallonia | 436 m² | 1 · 441 m² | 7.5 m · 2 fl. |
| 53404B0564/00N002 | Wallonia | 118 m² | 1 · 57 m² | 11.5 m · 3 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.
Statutory auditor
1 auditor| AVISOR SRLCurrent Commissaire · represented by Dorothée HURTEUX | 04-08-2026 → present |
Structure & network
Group per the LEI register
2 subsidiariesSubsidiary:TECHNORD AUTOMATION
Subsidiary:TECHNORD INDUSTRY PROCESS IMPROVEMENT SA
Recognitions · licences · registrations
Legal Entity Identifier
549300USUDWIRX73HI45
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Of 2,716 companies in sector 73200 we hold annual accounts for 1,785. 644 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-12-1986
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
73200Market research and public opinion polling
74131
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 50 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.