TECUM
ActiveTECUM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €64k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 55% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 5.41 against 2.42 in 2024), and 48.2% 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
51.8%
Return on assets
13.9%
Age of the figures
14 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
23 d early
2024
44 d early
2023
2 d early
2022
41 d early
2021
4 d early
2020
16 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€240k▲ 36.6%
2024 · €176k
2019: €24k
2020: €78k
2021: €118k
2022: €129k
2023: €176k
2024: €176k
2019 → 2025
Total assets
€463k▲ 14.9%
2024 · €403k
2019: €183k
2020: €201k
2021: €202k
2022: €280k
2023: €350k
2024: €403k
2019 → 2025
Net result
€64k▲ 12.9%
2024 · €57k
2019: €5k
2020: €54k
2021: €41k
2022: €51k
2023: €46k
2024: €57k
2019 → 2025
Working capital
€277k▲ 59.6%
2024 · €174k
2019: €14k
2020: €77k
2021: €125k
2022: €163k
2023: €186k
2024: €174k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€129k▲ 9.1%€176k▲ 35.8%€176k=€240k▲ 36.6%
Operating result€53k-€70k▲ 31.4%€64k▼ 8.4%€78k▲ 21.1%€92k▲ 17.8%
Net result€41k-€51k▲ 24.8%€46k▼ 9.0%€57k▲ 23.1%€64k▲ 12.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €463k
Fixed assets
€123k▲ 15.4%
Current assets
€340k▲ 14.7%
Equity and liabilities €463k
Equity
€240k▲ 36.6%
Debt
€223k▼ 1.8%
The debt ratio falls from 56.4% to 48.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€131k▲
2024 · €111k
Cash flow
€103k▲
2024 · €90k
Solvency
51.8%▲
2024 · 43.6%
Current ratio
5.41▲
2024 · 2.42
Quick ratio
5.41▲
2024 · 2.42
Debt / equity
0.93▼
2024 · 1.30
ROE
26.8%▼
2024 · 32.4%
ROA
13.9%▼
2024 · 14.1%
Interest coverage
14.66▼
2024 · 15.93
Debt
€223k▼
2024 · €227k
Debt ≤ 1 year
€63k▼
2024 · €123k
Debt > 1 year
€159k▲
2024 · €104k
Income taxes
€20k▲
2024 · €15k
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€403k€463k▲
Fixed assets21/28€106k€123k▲
Tangible fixed assets22/27€106k€123k▲
Plant, machinery and equipment23€6k€54k▲
Furniture and vehicles24€100k€68k▼
Financial fixed assets28€99€99=
Current assets29/58€297k€340k▲
Amounts receivable within one year40/41€21k€15k▼
Trade receivables40€4k€10k▲
Other amounts receivable41€17k€5k▼
Current investments50/53-€100k
Cash at bank and in hand54/58€276k€226k▼
Equity and liabilities
Total equity and liabilities10/49€403k€463k▲
Equity10/15€176k€240k▲
Contributions10/11€19k€19k=
Reserves13€157k€221k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€155k€219k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€227k€223k▼
Amounts payable after more than one year17€104k€159k▲
Financial debts170/4€45k€53k▲
Other amounts payable178/9€59k€105k▲
Amounts payable within one year42/48€123k€63k▼
Current portion of amounts payable after more than one year42€36k€42k▲
Financial debts43€5k€2k▼
Credit institutions430/8€5k€2k▼
Trade debts44€20k€13k▼
Suppliers440/4€20k€13k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€57k€0▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Non-recurring operating income76A€886€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€39k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€114k€136k▲
Operating profit (loss)9901€78k€92k▲
Financial income75/76B€962€1k▲
Recurring financial income75€962€1k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€72k€84k▲
Income taxes67/77€15k€20k▲
Profit (loss) for the period9904€57k€64k▲
Profit (loss) for the period to be appropriated9905€57k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€64k▲
Transfer to equity691/2€0€64k▲
To other reserves6921€0€64k▲
Profit to be distributed694/7€57k€0▼
Return on contributions (dividend)694€57k€0▼
The notes to these accounts (10 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €64k ▲12.9%
Operating result €92k, net result €64k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 5.41
Current ratio from 2.42 to 5.41; short-term debt falls from €123k to €63k.
30-06
Financial
Equity above €200kEq €240k ▲36.6%
7 profitable years in a row build equity to €240k.
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €176k ▲35.8%
5 profitable years in a row build equity to €176k.
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity doublescurrent ratio 6.14
Current ratio from 2.91 to 6.14; short-term debt falls from €40k to €24k.
30-06
Financial
Equity above €100kEq €118k ▲52.4%
3 profitable years in a row build equity to €118k.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity doublescurrent ratio 2.91
Current ratio from 1.26 to 2.91; short-term debt falls from €53k to €40k.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
Van Cauwenberghe
CurrentDirector · since 30-09-2024
30-09-2024
Van Cauwenberghe: Appointed as Director
30-09-2024
De Wannemaeker: Resigned as Manager
Location & real-estate footprint
Registered office, Ronse · 1 establishment unit since 2018
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.
Paillartcamp 129600 RonseGround area
5,030 m²
Building footprint
340 m²
Volume, LiDAR
1,440 m³
Parcel 45422D0030/00B000, Flanders · tallest building 11.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TECUM
since 20182.271.983.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422D0030/00B000 | Flanders | 5,030 m² | 1 · 340 m² | 11.2 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.
Similar companies · same sector, comparable size
VANLERBERGHE
BE 0465.155.580
Menen · Eq €240k
CARICHAP
BE 0421.550.815
Lasne · Eq €239k
Tegelbedrijf TK
BE 0748.925.617
Lommel · Eq €239k
Erwin & Yves ROSSKAMP
BE 0841.808.263
Eupen · Eq €239k
THIJSBAERT
BE 0897.915.736
Nijlen · Eq €241k
Of 3,937 companies in sector 43331 we hold annual accounts for 1,777. 1,349 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2018
Fiscal year end30-06
Activities, NACEBEL
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.