TECTO PRO
ActiveTECTO PRO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €25k. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+37
Solvency100▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.7 against 2.65 in 2024; short-term debt: 17.8% and cash: 6.8% of total assets), and 17.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
82.2%
Return on assets
27.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
15 d late
2024
on the day
2023
31 d late
2022
28 d late
2021
30 d late
2020
30 d late
2019
39 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€25k
2024 · €-3k
2018: €8k
2019: €-15k
2020: €2k
2021: €7k
2022: €-256
2023: €29k
2024: €-3k
2018 → 2025
Working capital
€59k▲ 108%
2024 · €29k
2018: €19k
2019: €6k
2020: €6k
2021: €17k
2022: €17k
2023: €28k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€23k▼ 1.1%€52k▲ 124%€49k▼ 5.7%€74k▲ 50.6%
Operating result€8k-€234▼ 97.0%€37k▲ 15,779%€-561€34k
Net result€7k-€-256€29k€-3k€25k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €34k after a loss of €561 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€15k▼ 27.9%
Current assets
€75k▲ 64.0%
Equity and liabilities €90k
Equity
€74k▲ 50.6%
Debt
€16k▼ 7.6%
The debt ratio falls from 26.0% to 17.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €9k
Cash flow
€33k▲
2024 · €7k
Solvency
82.2%▲
2024 · 74.0%
Current ratio
4.70▲
2024 · 2.65
Quick ratio
4.70▲
2024 · 2.65
Debt / equity
0.22▼
2024 · 0.35
ROE
33.6%▲
2024 · -6.1%
ROA
27.6%▲
2024 · -4.5%
Interest coverage
20.96▲
2024 · 8.91
Debt
€16k▼
2024 · €17k
Debt ≤ 1 year
€16k▼
2024 · €17k
Income taxes
€8k▲
2024 · €2k
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€67k€90k▲
Fixed assets21/28€21k€15k▼
Tangible fixed assets22/27€21k€15k▼
Plant, machinery and equipment23€18k€14k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€46k€75k▲
Amounts receivable within one year40/41€32k€63k▲
Trade receivables40€14k€42k▲
Other amounts receivable41€18k€21k▲
Cash at bank and in hand54/58€7k€6k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€67k€90k▲
Equity10/15€49k€74k▲
Contributions10/11€8k€8k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€40k€64k▲
Amounts payable17/49€17k€16k▼
Amounts payable within one year42/48€17k€16k▼
Current portion of amounts payable after more than one year42€2k-
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€9k€9k▼
Remuneration and social security454/9€1k€5k▲
Other amounts payable47/48€318€318=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€7k€7k=
Non-recurring operating charges66A-€748
Gross operating margin9900€16k€50k▲
Operating profit (loss)9901€-561€34k▲
Financial income75/76B€842€797▼
Recurring financial income75€842€797▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-764€33k▲
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€-3k€25k▲
Profit (loss) for the period to be appropriated9905€-3k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€64k▲
Profit (loss) brought forward from the previous period14P€43k€40k▼
The notes to these accounts (9 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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 15 days late
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 39 days late
2019
31-12
Financial
Weakest financial yearnet €-15k ▼282%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 42 days late
2018
01-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 32 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Charleroi · 1 establishment unit since 2015
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 Beaumont 4836030 CharleroiGround area
1,344 m²
Building footprint
100 m²
Volume, LiDAR
1,048 m³
Parcel 52044B0475/00A005, Wallonia · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
TECTO.RO
since 20152.241.881.816
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52044B0475/00A005 | Wallonia | 1,344 m² | 1 · 100 m² | 13.4 m · 4 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.
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APERS
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Lochristi · Eq €74k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,597 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2015
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43130Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43992Specialised construction activities
43999Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.