Turnover
The micro format states no turnover.
The micro format states no turnover.
Short-term debts rose from €5,440 to €50,537.
The 2022 accounts came latest: 436 days after the end of the period.
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 43, micro). It does better than 26% of them on solvency, 6% on liquidity, 26% on profitability and 80% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
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).
In July 2024, 7,976 companies had the same profile as TECHMO SERVICES has now. Each dot stands for 20 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TECHMO SERVICES itself is higher: 5.0% within 12 months. It rests on far more data about TECHMO SERVICES than the profile alone.
The method was tested on the 497,447 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 7,976 companies, not a prediction for TECHMO SERVICES. 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.
Liquidity is tight, with a current ratio of 1.33 (3.14 in 2024), below the usual 1.5. Short-term debt is 75.3% and cash 0.1% of total assets. 75.3% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 4 accounts on average 127 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| TECHMO SERVICES Ixelles | €67,095 | €9,639 | 24.7% | - |
| GREGORIO CONSTRUCT Zaventem | €65,690 | €9,858 | 19.2% | - |
| KGS Systems Evere | €70,845 | €9,340 | 54.6% | - |
| TMA CONSTRUCT SOLUTIONS Ganshoren | €78,543 | €9,480 | 62.6% | - |
| DECO ATV TEAM Berchem-Sainte-Agathe | €67,865 | €14,147 | 57.4% | - |
| K.A.N. Construction Molenbeek-Saint-Jean | €75,687 | €7,058 | 78.5% | - |
| MG PARTNERS Ganshoren | €59,314 | €14,645 | 50.2% | - |
These companies have the same main activity as TECHMO SERVICES: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €59,300 and €78,500, founded between 2021 and 2023.
The computed 12-month bankruptcy probability of TECHMO SERVICES is 5.0% (elevated). The 2025 annual accounts show equity of €16,557 and a net result of €4,917.
Equity has been growing by about 77% per year since 2022. Its solvency ranks better than 26% of 35,136 sector peers (NACE 43, financial year 2025).
The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €70,000 and €250,000.
Higher than 26% of 35,136 companies in 2025.
Higher than 34% of 34,510 companies in 2025.
Higher than 51% of 34,711 companies in 2025.
Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
67,095 | 17,081 | 3,000 | 3,000 | |
29/58 |
67,095 | 17,081 | 3,000 | 3,000 | |
40/41 |
67,049 | 17,081 | 3,000 | 3,000 | |
40 |
46,771 | 14,007 | - | - | |
41 |
20,277 | 3,074 | 3,000 | 3,000 | |
54/58 |
46 | 0 | - | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
67,095 | 17,081 | 3,000 | 3,000 | |
10/15 |
16,557 | 11,641 | 3,000 | 3,000 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | |
14 |
13,557 | 8,641 | - | - | |
17/49 |
50,537 | 5,440 | - | - | |
42/48 |
50,537 | 5,440 | - | - | |
44 |
34,508 | 3,280 | - | - | |
440/4 |
34,508 | 3,280 | - | - | |
46 |
11,680 | - | - | - | |
45 |
4,349 | 2,160 | - | - | |
450/3 |
4,349 | 2,160 | - | - | |
| Income statement | |||||
9900 |
9,639 | 11,273 | - | - | |
640/8 |
1,827 | - | - | - | |
9901 |
7,812 | 11,273 | - | - | |
75/76B |
145 | - | - | - | |
75 |
145 | - | - | - | |
65/66B |
1,007 | 472 | - | - | |
65 |
1,007 | 472 | - | - | |
9903 |
6,950 | 10,801 | - | - | |
67/77 |
2,033 | 2,160 | - | - | |
9904 |
4,917 | 8,641 | - | - | |
9905 |
4,917 | 8,641 | - | - | |
| Appropriation of the result | |||||
9906 |
13,557 | 8,641 | - | - | |
14P |
8,641 | - | - | - | |
| Document | |||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 14-07-2026.
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 0 | - | - | - | ||
| 46 | - | - | - | ||
| 16,557 | 11,641 | - | - | ||
| 24.7% | 68.2% | - | - | ||
| 1.33 | 3.14 | - | - | ||
| 3.05 | 0.47 | - | - | ||
| 29.7% | 74.2% | - | - | ||
| 7.3% | 50.6% | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Financial fixed assets | €0 | - | - | - |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 31% lower than in 2024.
Debt's share of the balance-sheet total rises from 31.8% to 75.3%. Equity and debt are higher.
TECHMO SERVICES has no parent and no holdings in its annual accounts. Cardoso Ana Maria is the only director. TECHMO SERVICES shares no director with another company.
| FINANCIERE DE TUBIZE
registered office since 01-01-1928 · founded in 1928 |
total assets €1.93bn (2025) 0403.216.429 |
| ECONOCOM GROUP
registered office since 02-04-1982 · founded in 1982 |
turnover €22.1m (2025) 0422.646.816 |
| ECONOCOM FINANCE
registered office since 19-10-2010 · founded in 2010 · group ECONOCOM GROUP |
total assets €948.1m (2025) 0830.430.559 |
| DEXIA HOLDING
registered office since 17-09-2012 · founded in 1996 |
total assets €741.2m (2025) 0458.548.296 |
| ECONOCOM PRODUCTS & SOLUTIONS BELUX
registered office since 01-02-1985 · founded in 1985 · group ECONOCOM GROUP |
38 FTE (2025) 0426.851.567 |
| Wex Europe Services (BE)
registered office since 18-02-2014 · founded in 2014 |
turnover €148.8m (2025) 0547.665.760 |
| Ardonagh Specialty Europe
registered office since 10-01-2019 · founded in 2019 · accounts filed late |
turnover €18.5m (2025) 0717.955.396 |
| Consilio Global
registered office since 01-12-2006 · founded in 2006 · group Consilio Eurasia · accounts filed late |
turnover €10.2m (2024) 0883.063.353 |
| ECONOCOM LEASE
registered office since 30-06-1987 · founded in 1987 · group ECONOCOM GROUP |
24 FTE (2025) 0431.321.782 |
| DBG FINANCES
registered office since 15-05-2001 · founded in 2000 |
total assets €59.1m (2025) 0472.432.560 |
Deadline for the 2026 accounts: 31-07-2027
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
On 1 August 2022, TECHMO SERVICES was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 In 2025 the registered office moved to Brussels.3 Cardoso Ana Maria has served as director since 2024.4 Total assets went from €3,000 in 2022 to €67,095 in 2025.5
| Establishment | Since | Unit number |
|---|---|---|
| Marsveldplein 5 registered office 1050 Ixelles | ||
| Maurice Lemonnierlaan 118 1000 Brussels 39000 Remediation activities and other waste management service activities | 01-05-2024 | 2.361.008.803 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21009A0769/00S002 | 3,724 m² | 1 · 1,306 m² | 99.0 m · 27 |
| 21809K0065/02M006 | 164 m² | 1 · 168 m² | 19.8 m · 4 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0789.280.882
If something looks wrong or is missing, please tell us.