TendanceBois
ActiveThe computed 12-month bankruptcy probability of TendanceBois is 2.1% (moderate). The 2025 annual accounts show equity of €154k and a net result of €43k. Equity is growing by ~65.1% per year across the filed fiscal years. Its solvency ranks better than 15% of 7760 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-9
Solvency39▼-16
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.34 in 2024; short-term debt: 24.2% and cash: 2% of total assets), and 86% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
14%
Return on assets
3.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7760 sector peers (2025).
NBB · sector comparisonPosition among 7760 sector peers
Solvency
better than 15%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
14 d early
2024
31 d early
2023
22 d late
2022
14 d late
2021
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▲ 2.5%
2024 · €42k
2021: €-299
2022: €22k
2023: €28k
2024: €42k
2021 → 2025
Working capital
€26k▼ 61.2%
2024 · €66k
2021: €-25k
2022: €-42k
2023: €-57k
2024: €66k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€41k▲ 110%€69k▲ 66.6%€111k▲ 60.6%€154k▲ 38.7%
Operating result€2k-€22k▲ 1,216%€39k▲ 72.3%€63k▲ 62.2%€68k▲ 8.7%
Net result€-299-€22k€28k▲ 27.1%€42k▲ 51.5%€43k▲ 2.5%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€808k▲ 596%
Current assets
€291k▲ 12.7%
Equity and liabilities €1.10M
Equity
€154k▲ 38.7%
Debt
€945k▲ 259%
The debt ratio rises from 70.4% to 86.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▲
2024 · €119k
Cash flow
€117k▲
2024 · €98k
Solvency
14.0%▼
2024 · 29.6%
Current ratio
1.10▼
2024 · 1.34
Quick ratio
0.78▼
2024 · 1.05
Debt / equity
6.16▲
2024 · 2.38
ROE
27.9%▼
2024 · 37.7%
ROA
3.9%▼
2024 · 11.2%
Interest coverage
12.99▼
2024 · 21.65
Debt
€945k▲
2024 · €264k
Debt ≤ 1 year
€266k▲
2024 · €192k
Debt > 1 year
€675k▲
2024 · €70k
Income taxes
€16k▼
2024 · €16k
Staff costs
€347k▼
2024 · €352k
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€374k€1.10M▲
Fixed assets21/28€116k€808k▲
Intangible fixed assets21€2k€821▼
Tangible fixed assets22/27€114k€807k▲
Land and buildings22-€52k
Plant, machinery and equipment23€31k€74k▲
Furniture and vehicles24€84k€164k▲
Leasing and similar rights25-€517k
Current assets29/58€258k€291k▲
Stocks and contracts in progress3€55k€85k▲
Stocks30/36€55k€85k▲
Amounts receivable within one year40/41€155k€167k▲
Trade receivables40€131k€120k▼
Other amounts receivable41€23k€47k▲
Cash at bank and in hand54/58€18k€22k▲
Deferred charges and accrued income490/1€30k€17k▼
Equity and liabilities
Total equity and liabilities10/49€374k€1.10M▲
Equity10/15€111k€154k▲
Contributions10/11€20k€20k=
Reserves13€91k€134k▲
Distributable reserves133€91k€134k▲
Amounts payable17/49€264k€945k▲
Amounts payable after more than one year17€70k€675k▲
Financial debts170/4€70k€675k▲
Amounts payable within one year42/48€192k€266k▲
Current portion of amounts payable after more than one year42€29k€84k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€104k€158k▲
Suppliers440/4€104k€158k▲
Advances received on contracts in progress46€33k-
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€11k€8k▼
Remuneration and social security454/9€10k€11k▲
Other amounts payable47/48€5k€2k▼
Accrued charges and deferred income492/3€1k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€352k€347k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€74k▲
Other operating charges640/8€5k€17k▲
Gross operating margin9900€476k€506k▲
Operating profit (loss)9901€63k€68k▲
Financial income75/76B€978€2k▲
Recurring financial income75€978€2k▲
Financial charges65/66B€5k€11k▲
Recurring financial charges65€5k€11k▲
Profit (loss) for the period before taxes9903€58k€59k▲
Income taxes67/77€16k€16k▼
Profit (loss) for the period9904€42k€43k▲
Profit (loss) for the period to be appropriated9905€42k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€43k▲
Transfer to equity691/2€42k€43k▲
To other reserves6921€42k€43k▲
Social balance
Average headcount (FTE)90876.67.0▲
The notes to these accounts (15 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2021net €43k ▲2.5%
Operating result €68k, net result €43k, both a record.
31-12
Financial
Equity above €150kEq €154k ▲38.7%
4 profitable years in a row build equity to €154k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €100kEq €111k ▲60.6%
3 profitable years in a row build equity to €111k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 14 days late
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Ciney · 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.
Lienne 85590 CineyGround area
3,127 m²
Building footprint
625 m²
Parcel 91030A0265/00N003, Wallonia. Linked by address, not a title deed.
1 establishment unit
Lienne 8, 5590 Ciney
since 20212.312.870.968
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030A0265/00N003 | Wallonia | 3,127 m² | 1 · 625 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.
Recognitions · licences · registrations
Recognised contractor
5 categoriesTendanceBois SRL45187
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VANHOUCKE FRANKY
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,612 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2021
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43332Laying of wooden floor and wall coverings
43343Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
2 entriesWebsite:www.tendancebois.be
E-mail:info@tendancebois.be