Tectum Management
ActiveSummary
Tectum Management has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €339k and a net result of €219k. Equity is growing by ~48.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency79▼-9
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 2.87 in 2024; short-term debt: 45.9% and cash: 29.9% of total assets), and 45.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
54.1%
Return on assets
35%
Age of the figures
9 mo
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 23-03-2026, 130 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
130 d early
2024
59 d early
2023
8 d early
2022
165 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€0
2022 · €0
2022: €0
2022 → 2023
EBIT margin
Not included in this filing
Net result
€219k▼ 17.5%
2024 · €266k
2022: €37k
2023: €53k
2024: €266k
2022 → 2025
Working capital
€160k▼ 38.2%
2024 · €259k
2022: €40k
2023: €103k
2024: €259k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€0-€0
Equity€44k-€104k▲ 138%€370k▲ 256%€339k▼ 8.3%
Operating result€-7k-€9k€369k▲ 4,209%€281k▼ 23.9%
Net result€37k-€53k▲ 44.7%€266k▲ 400%€219k▼ 17.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €627k
Fixed assets
€179k ▼ 3.0%
Current assets
€448k ▲ 12.5%
Equity and liabilities €627k
Equity
€339k ▼ 8.3%
Debt
€288k ▲ 35.3%
Debt's share of the balance-sheet total rises from 36.5% to 45.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€286k▼
2024 · €375k
Cash flow
€225k▼
2024 · €271k
Current ratio
1.56▼
2024 · 2.87
Debt to equity
0.85▲
2024 · 0.58
ROE
64.7%▼
2024 · 71.9%
ROA
35.0%▼
2024 · 45.6%
Interest coverage
5476.62▲
2024 · 236.09
Debt ≤ 1 year
€288k▲
2024 · €139k
Income taxes
€72k▼
2024 · €102k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€583k€627k▲
Fixed assets21/28€184k€179k▼
Tangible fixed assets22/27€180k€174k▼
Land and buildings22€180k€174k▼
Financial fixed assets28€5k€5k=
Current assets29/58€398k€448k▲
Amounts receivable within one year40/41€30k€61k▲
Trade receivables40€30k€30k=
Other amounts receivable41-€31k
Current investments50/53€300k€200k▼
Cash at bank and in hand54/58€68k€187k▲
Deferred charges and accrued income490/1€110-
Equity and liabilities
Total equity and liabilities10/49€583k€627k▲
Equity10/15€370k€339k▼
Contributions10/11€14k€14k=
Reserves13€350k€325k▼
Distributable reserves133€350k€325k▼
Profit (loss) carried forward14€6k€158▼
Amounts payable17/49€213k€288k▲
Amounts payable after more than one year17€73k-
Financial debts170/4€73k-
Amounts payable within one year42/48€139k€288k▲
Current portion of amounts payable after more than one year42€11k-
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€123k€71k▼
Taxes450/3€123k€67k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€24€213k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€376k€288k▼
Operating profit (loss)9901€369k€281k▼
Financial income75/76B-€10k
Recurring financial income75-€10k
Financial charges65/66B€2k€52▼
Recurring financial charges65€2k€52▼
Profit (loss) for the period before taxes9903€368k€291k▼
Income taxes67/77€102k€72k▼
Profit (loss) for the period9904€266k€219k▼
Profit (loss) for the period to be appropriated9905€266k€219k▼
Appropriation of the result
Profit (loss) to be appropriated9906€271k€225k▼
Profit (loss) brought forward from the previous period14P€5k€6k▲
Transfer from equity791/2-€25k
Transfer to equity691/2€265k-
To other reserves6921€265k-
Profit to be distributed694/7-€250k
Return on contributions (dividend)694-€250k
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2022net €266k ▲400%
Operating result €369k, net result €266k, both a record.
31-12
Financial
Equity above €200kEq €370k ▲256%
3 profitable years in a row build equity to €370k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €100kEq €104k ▲138%
2 profitable years in a row build equity to €104k.
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hannut · 1 establishment unit since 2021
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.
Route de Wavre (THIS) 1014280 HannutGround area
2,312 m²
Building footprint
105 m²
Volume, LiDAR
1,045 m³
Parcel 64066B0403/00R000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tectum Management
since 20212.323.662.021
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64066B0403/00R000 | Wallonia | 2,312 m² | 1 · 104 m² | 11.4 m · 3 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.
Similar companies · same sector, comparable size
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BE 0832.320.970
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IMMO-CONSULTANT
BE 0679.950.994
Waterloo · Eq €339,117
P.S. MANAGEMENT & CONSULTING
BE 0452.954.960
Ranst · Eq €339,213
VG3
BE 0716.662.427
Geraardsbergen · Eq €339,092
WLMC
BE 0476.020.075
Malle · Eq €339,044
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,391 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.