TEK HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.64M and a net result of €7k. Equity is growing by ~31.4% per year across the filed fiscal years. Its solvency ranks better than 21% of 2394 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
56 d late
2022
58 d late
2021
79 d late
2020
142 d late
2019
105 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€2.64M▲ 0.3%
2024 · €2.63M
2019: €513k
2020: €972k
2021: €1.05M
2022: €2.67M
2023: €2.64M
2024: €2.63M
2019 → 2025
Net result
€7k
2024 · €-9k
2019: €413k
2020: €459k
2021: €75k
2022: €1.52M
2023: €-27k
2024: €-9k
2019 → 2025
Total assets
€9.78M▲ 2.7%
2024 · €9.52M
2019: €2.77M
2020: €5.26M
2021: €7.55M
2022: €11.03M
2023: €9.18M
2024: €9.52M
2019 → 2025
Solvency
27.0%▼ 0.6pp
2024 · 27.6%
2019: 18.5%
2020: 18.5%
2021: 13.9%
2022: 24.2%
2023: 28.8%
2024: 27.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.05M-€2.67M▲ 155%€2.64M▼ 1.0%€2.63M▼ 0.3%€2.64M▲ 0.3%
Operating result€187k-€130k▼ 30.5%€149k▲ 14.7%€166k▲ 10.8%€161k▼ 2.9%
Net result€75k-€1.52M▲ 1,927%€-27k€-9k▲ 68.5%€7k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.78M
Fixed assets
€6.80M▲ 0.3%
Current assets
€2.97M▲ 8.6%
Equity and liabilities €9.78M
Equity
€2.64M▲ 0.3%
Debt
€7.14M▲ 3.6%
The debt ratio rises from 72.4% to 73.0%. Equity and debt are higher.
Key figures and ratios
Solvency
27.0%▼
2024 · 27.6%
ROE
0.3%▲
2024 · -0.3%
ROA
0.1%▲
2024 · -0.1%
Debt
€7.14M▲
2024 · €6.89M
Debt ≤ 1 year
€4.50M▲
2024 · €3.94M
Debt > 1 year
€2.13M▼
2024 · €2.63M
Income taxes
€16k▼
2024 · €19k
Staff costs
€286k▼
2024 · €315k
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€9.52M€9.78M▲
Fixed assets21/28€6.78M€6.80M▲
Tangible fixed assets22/27€255k€275k▲
Land and buildings22€223k€221k▼
Furniture and vehicles24€31k€53k▲
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€6.53M€6.53M=
Current assets29/58€2.74M€2.97M▲
Amounts receivable within one year40/41€2.56M€2.76M▲
Trade receivables40€821k€522k▼
Other amounts receivable41€1.74M€2.24M▲
Cash at bank and in hand54/58€66k€11k▼
Deferred charges and accrued income490/1€115k€205k▲
Equity and liabilities
Total equity and liabilities10/49€9.52M€9.78M▲
Equity10/15€2.63M€2.64M▲
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13€20k€20k=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Profit (loss) carried forward14€2.41M€2.42M▲
Amounts payable17/49€6.89M€7.14M▲
Amounts payable after more than one year17€2.63M€2.13M▼
Financial debts170/4€1.60M€1.18M▼
Other amounts payable178/9€1.03M€950k▼
Amounts payable within one year42/48€3.94M€4.50M▲
Current portion of amounts payable after more than one year42€497k€505k▲
Financial debts43€29k€55k▲
Credit institutions430/8€29k€55k▲
Trade debts44€111k€114k▲
Suppliers440/4€111k€114k▲
Taxes, remuneration and social security45€164k€224k▲
Taxes450/3€112k€184k▲
Remuneration and social security454/9€52k€40k▼
Other amounts payable47/48€3.14M€3.61M▲
Accrued charges and deferred income492/3€324k€507k▲
Income statement
Code20242025
Remuneration, social security and pensions62€315k€286k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€37k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€514k€486k▼
Operating profit (loss)9901€166k€161k▼
Financial income75/76B€62k€92k▲
Recurring financial income75€62k€92k▲
Financial charges65/66B€217k€230k▲
Recurring financial charges65€217k€230k▲
Profit (loss) for the period before taxes9903€10k€23k▲
Income taxes67/77€19k€16k▼
Profit (loss) for the period9904€-9k€7k▲
Profit (loss) for the period to be appropriated9905€-9k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.41M€2.42M▲
Profit (loss) brought forward from the previous period14P€2.42M€2.41M▼
Social balance
Average headcount (FTE)90874.14.1=
The notes to these accounts (16 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 56 days late
2023
31-12
Financial
Weakest financial yearnet €-27k ▼102%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 58 days late
2022
31-12
Financial
Highest result since 2019net €1.52M ▲1927%
Net result €1.52M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.67M ▲155%
4 profitable years in a row build equity to €2.67M.
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 79 days late
2021
31-12
Financial
Equity above €1MEq €1.05M ▲7.7%
3 profitable years in a row build equity to €1.05M.
20-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 142 days late
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 105 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, Liège · 1 establishment unit since 2019
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 d'Alleur 294000 LiègeGround area
8,504 m²
Building footprint
1,895 m²
Parcel 62087B0166/00K002, Wallonia. Linked by address, not a title deed.
1 establishment unit
TEK HOLDING
since 20192.287.251.684
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62087B0166/00K002 | Wallonia | 8,504 m² | 1 · 1,894 m² | - |
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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 10,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-02-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.