Tech-Nick
ActiveThe computed 12-month bankruptcy probability of Tech-Nick is 2.3% (moderate). The 2025 annual accounts show equity of €7k and a net result of €-3k. Equity is shrinking by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 16% of 7391 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+1
Solvency32▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.38 against 0.45 in 2024; short-term debt: 93.2% and cash: 15% of total assets), and 93.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.8%
Return on assets
-2.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-3k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 7391 sector peers (2025).
NBB · sector comparisonPosition among 7391 sector peers
Solvency
better than 16%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 d early
2024
9 d early
2023
21 d early
2022
28 d early
2021
25 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 26.4%
2024 · €10k
2021: €11k
2022: €12k
2023: €14k
2024: €10k
2021 → 2025
Total assets
€108k▼ 13.7%
2024 · €125k
2021: €48k
2022: €106k
2023: €101k
2024: €125k
2021 → 2025
Net result
€-3k▲ 26.5%
2024 · €-4k
2021: €946
2022: €940
2023: €2k
2024: €-4k
2021 → 2025
Working capital
€-63k▲ 1.6%
2024 · €-64k
2021: €-26k
2022: €-51k
2023: €-23k
2024: €-64k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€12k▲ 8.6%€14k▲ 14.6%€10k▼ 26.4%€7k▼ 26.4%
Operating result€1k-€1k▼ 2.3%€2k▲ 79.5%€-3k€-2k▲ 26.1%
Net result€946-€940▼ 0.7%€2k▲ 84.3%€-4k€-3k▲ 26.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€70k▼ 5.0%
Current assets
€38k▼ 26.2%
Equity and liabilities €108k
Equity
€7k▼ 26.4%
Debt
€101k▼ 12.6%
The debt ratio rises from 92.0% to 93.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €14k
Cash flow
€20k▲
2024 · €14k
Solvency
6.8%▼
2024 · 8.0%
Current ratio
0.38▼
2024 · 0.45
Quick ratio
0.38▼
2024 · 0.45
Debt / equity
13.65▲
2024 · 11.50
ROE
-35.8%▲
2024 · -35.9%
ROA
-2.4%▲
2024 · -2.9%
Interest coverage
56.51▲
2024 · 40.07
Debt
€101k▼
2024 · €115k
Debt ≤ 1 year
€101k▼
2024 · €115k
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€125k€108k▼
Fixed assets21/28€74k€70k▼
Tangible fixed assets22/27€74k€70k▼
Plant, machinery and equipment23€36k€41k▲
Furniture and vehicles24€38k€29k▼
Current assets29/58€52k€38k▼
Amounts receivable within one year40/41€20k€22k▲
Trade receivables40€20k€22k▲
Other amounts receivable41€0€284▲
Cash at bank and in hand54/58€32k€16k▼
Equity and liabilities
Total equity and liabilities10/49€125k€108k▼
Equity10/15€10k€7k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€24€-3k▼
Amounts payable17/49€115k€101k▼
Amounts payable within one year42/48€115k€101k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€749€0▼
Taxes450/3€749€0▼
Other amounts payable47/48€109k€98k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€23k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€793▲
Other operating charges640/8€898€527▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€19k€22k▲
Operating profit (loss)9901€-3k€-2k▲
Financial income75/76B€0€112▲
Recurring financial income75€0€112▲
Financial charges65/66B€351€359▲
Recurring financial charges65€351€359▲
Profit (loss) for the period before taxes9903€-4k€-3k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-4k€-3k▲
Profit (loss) for the period to be appropriated9905€-4k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24€-3k▼
Profit (loss) brought forward from the previous period14P€4k€24▼
The notes to these accounts (6 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-4k ▼308%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €2k ▲84.3%
Operating result €2k, net result €2k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Sint-Truiden · 1 establishment unit since 2020
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.
Overbroekstraat 43800 Sint-TruidenGround area
316 m²
Building footprint
127 m²
Volume, LiDAR
894 m³
Parcel 71015B0512/00D000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tech-Nick
since 20202.300.420.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71015B0512/00D000 | Flanders | 315 m² | 1 · 127 m² | 10.4 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.
Similar companies · same sector, comparable size
Rombouts Renovaties
BE 0872.796.496
Brecht · Eq €7k
LES 3 CAILLOUX
BE 0777.778.464
Waterloo · Eq €7k
CAIA-CONSTRUCT
BE 0761.922.528
Fontaine-l'Evêque · Eq €7k
ID CONSTRUCT
BE 0757.736.878
Flémalle · Eq €7k
TDM CONSTRUCT
BE 0879.945.101
La Louvière · Eq €7k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 8,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
25110Manufacture of metal structures and parts of structures
25530Machining of metals
41003General construction of other non-residential buildings
43211General electrical installation work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.