Age44 yrs
Real estate1 parcel · 5,073 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of TECMO is 0.3% (very low). The 2025 annual accounts show equity of €755k and a net result of €58k. The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideA punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 31-08-2026 | 31 d late | 2026-00457791 |
| 31-12-2024 | 31-07-2025 | 31-07-2025 | on the day | 2025-00339198 |
| 31-12-2023 | 31-07-2024 | 05-07-2024 | 26 d early | 2024-00214004 |
| 31-12-2022 | 31-07-2023 | 20-07-2023 | 11 d early | 2023-00255941 |
| 31-12-2021 | 31-07-2022 | 16-08-2022 | 16 d late | 2022-20289674 |
| 31-12-2020 | 31-07-2021 | 10-08-2021 | 10 d late | 2021-47300563 |
| 31-12-2019 | 31-07-2020 | 09-07-2020 | 22 d early | 2020-28500047 |
| 31-12-2018 | 31-07-2019 | 11-07-2019 | 20 d early | 2019-31100182 |
| 31-12-2017 | 31-07-2018 | 23-07-2018 | 8 d early | 2018-35700207 |
| 31-12-2016 | 31-07-2017 | 01-08-2017 | 1 d late | 2017-40100537 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-established
Founded in 1982, 44 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Long track record
−Lower-risk legal form
−Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€58k
Working capital€643k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · volledig
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €89k |
| Net profit | €58k |
| Cash flow | €68k |
| Staff costs | - |
| Income taxes | €20k |
| Dividends | - |
| Total assets | €1.91M |
| Equity | €755k |
| Debt | €1.15M |
| of which ≤ 1y | €1.15M |
| of which > 1y | - |
| Working capital | €643k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.56 |
| Quick ratio | 1.20 |
| Working capital ratio | 33.7% |
| Solvency | 39.6% |
| Debt / equity | 1.53 |
| Long-term debt ratio | - |
| Interest coverage | 77.87 |
| Gross margin | - |
| Net margin | - |
| ROA | 3.0% |
| ROE | 7.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.91M |
| Fixed assets | 21/28 | €112k |
| Tangible fixed assets | 22/27 | €38k |
| Financial fixed assets | 28 | €74k |
| Current assets | 29/58 | €1.80M |
| Stocks & contracts in progress | 3 | €409k |
| Amounts receivable within one year | 40/41 | €953k |
| Cash & bank | 54/58 | €434k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.91M |
| Equity | 10/15 | €755k |
| Contributions / capital | 10/11 | €62k |
| Reserves | 13 | €693k |
| Amounts payable | 17/49 | €1.15M |
| Amounts payable within one year | 42/48 | €1.15M |
| Trade debts payable within one year | 44 | €366k |
| Income statement | ||
| Gross operating margin | 9900 | €92k |
| Operating result | 9901 | €79k |
| Financial income | 75 | €167 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €78k |
| Income taxes | 67/77 | €20k |
| Net result for the period | 9904 | €58k |
| Result to be appropriated | 9905 | €58k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed79
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationTECMO
since 19822.020.284.326
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area5,073 m²
Buildings1
Building footprint1,111 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372A0316/00M000 | Flanders | 5,073 m² | 1 · 1,111 m² | - |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
0 of 4 acts readWe 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.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
4 of 5 axes measured69
/ 100
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
79
Profitability
38
Solvency
74
Growth
-
Stability
85
Credit advice
verdict per customer and amountSimilar
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 56 of the 831 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Groothandel in gereedschapswerktuigen46620Overige detailhandel in nieuwe artikelen neg47789Overige gespecialiseerde detailhandel in artikelen, andere dan voedingsmiddelen, n.e.g.52498
Primary activity highlighted.
Names & trade names
| Legal nameNL | TECMO |
Registered office
Industrieweg 13A
2630 Aartselaar, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.