TECOPHIL
ActiveTECOPHIL has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €20k. Equity is shrinking by ~24.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 23% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency48▲+14
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.08 in 2024; short-term debt: 77.3% and cash: 14.1% of total assets), and 77.3% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
22.7%
Return on assets
52.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 17007 sector peers (2025).
NBB · sector comparisonPosition among 17007 sector peers
Solvency
better than 23%
← 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 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
35 d early
2023
on the day
2022
on the day
2021
25 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▲ 78.7%
2024 · €5k
2021: €42k
2022: €59k
2023: €87k
2024: €5k
2021 → 2025
Total assets
€38k▼ 29.6%
2024 · €54k
2021: €48k
2022: €69k
2023: €97k
2024: €54k
2021 → 2025
Net result
€20k▼ 49.0%
2024 · €39k
2021: €40k
2022: €18k
2023: €28k
2024: €39k
2021 → 2025
Working capital
€0▼ 100%
2024 · €4k
2021: €40k
2022: €55k
2023: €85k
2024: €4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€59k▲ 42.2%€87k▲ 46.8%€5k▼ 94.4%€9k▲ 78.7%
Operating result€50k-€22k▼ 55.8%€35k▲ 58.1%€49k▲ 39.0%€26k▼ 45.5%
Net result€40k-€18k▼ 55.7%€28k▲ 57.7%€39k▲ 40.9%€20k▼ 49.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€9k▲ 889%
Current assets
€30k▼ 44.7%
Equity and liabilities €38k
Equity
€9k▲ 78.7%
Debt
€30k▼ 40.3%
The debt ratio falls from 91.0% to 77.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €50k
Cash flow
€23k▼
2024 · €41k
Solvency
22.7%▲
2024 · 9.0%
Current ratio
1.00▼
2024 · 1.08
Quick ratio
1.00▼
2024 · 1.08
Debt / equity
3.40▼
2024 · 10.17
ROE
230.0%▼
2024 · 805.4%
ROA
52.3%▼
2024 · 72.1%
Interest coverage
318.80▼
2024 · 543.05
Debt
€30k▼
2024 · €49k
Debt ≤ 1 year
€30k▼
2024 · €49k
Income taxes
€6k▼
2024 · €10k
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€54k€38k▼
Fixed assets21/28€879€9k▲
Tangible fixed assets22/27€879€9k▲
Plant, machinery and equipment23-€0
Furniture and vehicles24€879€9k▲
Leasing and similar rights25-€0
Current assets29/58€53k€30k▼
Amounts receivable within one year40/41€30k€22k▼
Trade receivables40€7k€18k▲
Other amounts receivable41€23k€4k▼
Cash at bank and in hand54/58€24k€5k▼
Deferred charges and accrued income490/1€96€3k▲
Equity and liabilities
Total equity and liabilities10/49€54k€38k▼
Equity10/15€5k€9k▲
Contributions10/11€2k€2k=
Reserves13-€7k
Distributable reserves133-€7k
Profit (loss) carried forward14€3k€0▼
Amounts payable17/49€49k€30k▼
Amounts payable within one year42/48€49k€30k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€11k€9k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€33k€18k▼
Accrued charges and deferred income492/3€8€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8-€154
Gross operating margin9900€50k€30k▼
Operating profit (loss)9901€49k€26k▼
Financial income75/76B€715-
Recurring financial income75€715-
Financial charges65/66B€92€92▲
Recurring financial charges65€92€92▲
Profit (loss) for the period before taxes9903€49k€26k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€39k€20k▼
Profit (loss) for the period to be appropriated9905€39k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€124k€23k▼
Profit (loss) brought forward from the previous period14P€85k€3k▼
Transfer to equity691/2-€7k
To other reserves6921-€7k
Profit to be distributed694/7€122k€16k▼
Return on contributions (dividend)694€122k€16k▼
The notes to these accounts (5 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €18k ▼55.7%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lierneux · 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.
Baneux 54990 LierneuxGround area
405 m²
Building footprint
126 m²
Parcel 63045G1692/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
TECOPHIL
since 20202.303.161.466
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63045G1692/00K000 | Wallonia | 405 m² | 1 · 126 m² | - |
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
Code Cliff
BE 0734.830.527
Beveren-Kruibeke-Zwijndrecht · Eq €9k
RESEED SOFTWARE
BE 1008.279.366
Liège · Eq €9k
ENTITY
BE 0737.410.727
Brussel · Eq €9k
Me@ Consultancy
BE 1010.259.849
Dilbeek · Eq €9k
SERENTICE
BE 0600.879.663
Kortrijk · Eq €9k
Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 4,108 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2020
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.