Tegelbedrijf TK
ActiveThe computed 12-month bankruptcy probability of Tegelbedrijf TK is 1.9% (moderate). The 2025 annual accounts show equity of €239k and a net result of €5k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 27407 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-89
Solvency74▼-10
Growth52=
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.46 in 2024), and 48.4% 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 · 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
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
51.6%
Return on assets
1.1%
Age of the figures
8 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 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2024
27 d late
2023
106 d late
2022
89 d early
2021
124 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€239k▲ 2.3%
2024 · €234k
2021: €102k
2022: €143k
2023: €162k
2024: €234k
2021 → 2025
Total assets
€464k▲ 5.7%
2024 · €439k
2021: €245k
2022: €264k
2023: €353k
2024: €439k
2021 → 2025
Net result
€5k▼ 92.7%
2024 · €72k
2021: €77k
2022: €41k
2023: €20k
2024: €72k
2021 → 2025
Working capital
€3k▼ 96.9%
2024 · €84k
2021: €18k
2022: €19k
2023: €-36k
2024: €84k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€143k▲ 40.0%€162k▲ 13.7%€234k▲ 44.2%€239k▲ 2.3%
Operating result€91k-€51k▼ 44.1%€43k▼ 15.0%€96k▲ 122%€11k▼ 88.0%
Net result€77k-€41k▼ 46.9%€20k▼ 51.9%€72k▲ 266%€5k▼ 92.7%
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 88% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €464k
Fixed assets
€237k▲ 39.9%
Current assets
€227k▼ 15.8%
Equity and liabilities €464k
Equity
€239k▲ 2.3%
Debt
€224k▲ 9.5%
The debt ratio rises from 46.7% to 48.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€71k▼
2024 · €155k
Cash flow
€65k▼
2024 · €131k
Solvency
51.6%▼
2024 · 53.3%
Current ratio
1.01▼
2024 · 1.46
Quick ratio
1.01▼
2024 · 1.46
Debt / equity
0.94▲
2024 · 0.88
ROE
2.2%▼
2024 · 30.6%
ROA
1.1%▼
2024 · 16.3%
Interest coverage
19.63▼
2024 · 36.66
Debt
€224k▲
2024 · €205k
Debt ≤ 1 year
€224k▲
2024 · €185k
Debt > 1 year
€0▼
2024 · €19k
Income taxes
€3k▼
2024 · €20k
Staff costs
€56k▲
2024 · €-34k
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€439k€464k▲
Fixed assets21/28€169k€237k▲
Tangible fixed assets22/27€169k€237k▲
Plant, machinery and equipment23€156k€196k▲
Furniture and vehicles24€13k€41k▲
Current assets29/58€270k€227k▼
Amounts receivable within one year40/41€266k€227k▼
Trade receivables40€133k€127k▼
Other amounts receivable41€133k€100k▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€439k€464k▲
Equity10/15€234k€239k▲
Contributions10/11€25k€25k=
Profit (loss) carried forward14€209k€214k▲
Amounts payable17/49€205k€224k▲
Amounts payable after more than one year17€19k€0▼
Financial debts170/4€19k€0▼
Amounts payable within one year42/48€185k€224k▲
Current portion of amounts payable after more than one year42€3k€0▼
Financial debts43€9k€10k▲
Credit institutions430/8€9k€10k▲
Trade debts44€136k€184k▲
Suppliers440/4€136k€184k▲
Taxes, remuneration and social security45€37k€30k▼
Taxes450/3€31k€17k▼
Remuneration and social security454/9€6k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-34k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€60k▲
Other operating charges640/8€2k€6k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€123k€135k▲
Operating profit (loss)9901€96k€11k▼
Financial income75/76B€36€58▲
Recurring financial income75€36€58▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€91k€8k▼
Income taxes67/77€20k€3k▼
Profit (loss) for the period9904€72k€5k▼
Profit (loss) for the period to be appropriated9905€72k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€209k€214k▲
Profit (loss) brought forward from the previous period14P€137k€209k▲
The notes to these accounts (8 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €5k ▼92.7%
Net result drops to €5k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €200kEq €234k ▲44.2%
4 profitable years in a row build equity to €234k.
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 106 days late
2023
31-12
Financial
Equity above €150kEq €162k ▲13.7%
3 profitable years in a row build equity to €162k.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 124 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2024
Resigned as Director
Location & real-estate footprint
Registered office, Lommel · 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.
Sint-Janstraat 503920 LommelGround area
3,254 m²
Building footprint
302 m²
Volume, LiDAR
1,255 m³
2 parcels, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tegelbedrijf TK
since 20202.304.052.183
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72343E0379/00F000 | Flanders | 2,283 m² | 1 · 260 m² | 7.3 m · 2 fl. |
| 72020C1673/00V017 | Flanders | 970 m² | 1 · 42 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 3 entries · 2,500 EUR awarded · 2,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 2 | 1,500 EUR | 1,500 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
2 live approvals · 1 endedMedewerker tegelzetwerken en dekvloeren duaal (so)
Vloerder - tegelzetter duaal (so)
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Of 3,934 companies in sector 43331 we hold annual accounts for 1,776. 1,349 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2020
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.