TECTUM
ActiveTECTUM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-2k) and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.42 against 0.8 in 2023; short-term debt: 134.6% and cash: 0% of total assets), and equity is negative.
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 →
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 2024Solvency, return and age of the figures
Solvency
-34.6%
Return on assets
32.2%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 36373 sector peers (2024).
NBB · sector comparisonPosition among 36373 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-09-2025, 52 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
not confirmed
2024
52 d late
2023
60 d late
2022
45 d late
2021
113 d late
2020
121 d late
2019
94 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-2k▲ 48.2%
2023 · €-4k
2018: €6k
2019: €1k
2020: €2k
2021: €2k
2022: €4k
2023: €-4k
2018 → 2024
Total assets
€6k▼ 61.8%
2023 · €15k
2018: €24k
2019: €22k
2020: €24k
2021: €18k
2022: €21k
2023: €15k
2018 → 2024
Net result
€2k
2023 · €-7k
2018: €2k
2019: €-5k
2020: €295
2021: €276
2022: €2k
2023: €-7k
2018 → 2024
Working capital
€-4k▼ 17.6%
2023 · €-4k
2018: €6k
2019: €-463
2020: €690
2021: €2k
2022: €4k
2023: €-4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2k-€2k▲ 17.8%€4k▲ 97.4%€-4k€-2k▲ 48.2%
Operating result€1k-€378▼ 72.8%€3k▲ 743%€-7k€2k
Net result€295-€276▼ 6.4%€2k▲ 544%€-7k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €2k after a loss of €7k in 2023.
Balance-sheet composition
Assets €6k
Fixed assets
€2k
Current assets
€3k
Key figures and ratios
EBITDA
€2k
Cash flow
€2k
Solvency
-34.6%▼
2023 · -25.5%
Current ratio
0.42▼
2023 · 0.80
Quick ratio
0.18▲
2023 · 0.17
Debt / equity
-3.89▲
2023 · -4.93
ROA
32.2%▲
2023 · -49.7%
Interest coverage
13.40
Debt
€8k▼
2023 · €19k
Debt ≤ 1 year
€8k▼
2023 · €19k
Income taxes
€59▲
2023 · €56
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€15k€6k▼
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€15k€3k▼
Stocks and contracts in progress3€12k€2k▼
Stocks30/36€3k€2k▼
Contracts in progress37€9k-
Amounts receivable within one year40/41€703€1k▲
Other amounts receivable41€703€1k▲
Cash at bank and in hand54/58€2k€3▼
Equity and liabilities
Total equity and liabilities10/49€15k€6k▼
Equity10/15€-4k€-2k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-24k€-22k▲
Amounts payable17/49€19k€8k▼
Amounts payable within one year42/48€19k€8k▼
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€56€59▲
Taxes450/3€56€59▲
Other amounts payable47/48€12k€5k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€500
Other operating charges640/8€620€577▼
Gross operating margin9900€-7k€3k▲
Operating profit (loss)9901€-7k€2k▲
Financial income75/76B€61€217▲
Recurring financial income75€61€217▲
Financial charges65/66B€44€175▲
Recurring financial charges65€44€175▲
Profit (loss) for the period before taxes9903€-7k€2k▲
Income taxes67/77€56€59▲
Profit (loss) for the period9904€-7k€2k▲
Profit (loss) for the period to be appropriated9905€-7k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-22k▲
Profit (loss) brought forward from the previous period14P€-17k€-24k▼
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
2025
21-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 52 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
31-12
Financial
Weakest financial yearnet €-7k ▼516%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 113 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
31-12
Financial
Back to profitnet €295
Net result €295 after one loss-making year.
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
02-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 33 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nijlen · 1 establishment unit since 2004
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.
Heirbeemdenweg 52560 NijlenGround area
2,129 m²
Building footprint
94 m²
Volume, LiDAR
450 m³
Parcel 12026A0237/00X000, Flanders · tallest building 13.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TECTUM
since 20042.143.100.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026A0237/00X000 | Flanders | 2,129 m² | 1 · 93 m² | 13.2 m · 1 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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SCToit
BE 0688.609.334
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BRAHAM TOITURES
BE 0760.754.865
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DEPUTTER TIM
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 1,142 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-08-2004
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.