TENDENS
ActiveTENDENS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 74% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▲+7
Solvency99▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 4.85 in 2024), and 37.1% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
62.9%
Return on assets
0.9%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
4 d early
2022
22 d late
2021
2 d early
2020
24 d early
2019
9 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▲ 1.4%
2024 · €230k
2018: €258k
2019: €258k
2020: €261k
2021: €269k
2022: €277k
2023: €231k
2024: €230k
2018 → 2025
Total assets
€371k▲ 4.9%
2024 · €353k
2018: €474k
2019: €404k
2020: €435k
2021: €406k
2022: €446k
2023: €384k
2024: €353k
2018 → 2025
Net result
€3k
2024 · €-385
2018: €9k
2019: €667
2020: €2k
2021: €8k
2022: €8k
2023: €-46k
2024: €-385
2018 → 2025
Working capital
€219k▼ 12.0%
2024 · €249k
2018: €255k
2019: €264k
2020: €263k
2021: €266k
2022: €266k
2023: €225k
2024: €249k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€269k-€277k▲ 2.9%€231k▼ 16.8%€230k▼ 0.2%€233k▲ 1.4%
Operating result€12k-€18k▲ 45.2%€-43k€5k€8k▲ 42.7%
Net result€8k-€8k▼ 7.2%€-46k€-385▲ 99.2%€3k
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 43% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €371k
Fixed assets
€23k▼ 42.8%
Current assets
€348k▲ 10.9%
Equity and liabilities €371k
Equity
€233k▲ 1.4%
Debt
€137k▲ 11.4%
The debt ratio rises from 34.9% to 37.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€27k▼
2024 · €37k
Cash flow
€23k▼
2024 · €31k
Solvency
62.9%▼
2024 · 65.1%
Current ratio
2.70▼
2024 · 4.85
Quick ratio
1.98▼
2024 · 3.35
Debt / equity
0.59▲
2024 · 0.54
ROE
1.4%▲
2024 · -0.2%
ROA
0.9%▲
2024 · -0.1%
Interest coverage
13.32▲
2024 · 8.24
Debt
€137k▲
2024 · €123k
Debt ≤ 1 year
€129k▲
2024 · €65k
Debt > 1 year
€7k▼
2024 · €41k
Income taxes
€3k▲
2024 · €1k
Staff costs
€75k▲
2024 · €72k
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€353k€371k▲
Fixed assets21/28€40k€23k▼
Tangible fixed assets22/27€38k€21k▼
Land and buildings22€5k€2k▼
Plant, machinery and equipment23€261€261=
Furniture and vehicles24€13k€7k▼
Leasing and similar rights25€19k€11k▼
Financial fixed assets28€2k€2k=
Current assets29/58€314k€348k▲
Stocks and contracts in progress3€97k€93k▼
Stocks30/36€97k€93k▼
Amounts receivable within one year40/41€140k€138k▼
Trade receivables40€65k€42k▼
Other amounts receivable41€75k€96k▲
Cash at bank and in hand54/58€77k€112k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€353k€371k▲
Equity10/15€230k€233k▲
Contributions10/11€169k€169k=
Reserves13€77k€77k=
Distributable reserves133€77k€77k=
Profit (loss) carried forward14€-16k€-13k▲
Amounts payable17/49€123k€137k▲
Amounts payable after more than one year17€41k€7k▼
Financial debts170/4€41k€7k▼
Amounts payable within one year42/48€65k€129k▲
Current portion of amounts payable after more than one year42€30k€60k▲
Taxes, remuneration and social security45€18k€59k▲
Taxes450/3€1k€44k▲
Remuneration and social security454/9€17k€15k▼
Other amounts payable47/48€17k€10k▼
Accrued charges and deferred income492/3€17k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€72k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€20k▼
Other operating charges640/8€13k€6k▼
Non-recurring operating charges66A-€915
Gross operating margin9900€122k€110k▼
Operating profit (loss)9901€5k€8k▲
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€898€7k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€-385€3k▲
Profit (loss) for the period to be appropriated9905€-385€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-13k▲
Profit (loss) brought forward from the previous period14P€-15k€-16k▼
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-46k ▼697%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Puurs-Sint-Amands · 1 establishment unit since 1995
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.
Keten 632890 Puurs-Sint-AmandsGround area
1,438 m²
Building footprint
207 m²
Volume, LiDAR
913 m³
Parcel 12034A0608/00G000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TENDENS
since 19952.041.754.087
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12034A0608/00G000 | Flanders | 1,438 m² | 1 · 207 m² | 6.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePuurs-Sint-Amands2.041.754.087
Similar companies · same sector, comparable size
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BE 0843.301.766
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BE 0473.004.662
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VERHEYEN
BE 0475.347.213
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ENGODI
BE 0423.918.407
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DPT Group
BE 0846.733.784
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Of 763 companies in sector 47552 we hold annual accounts for 444. 372 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-1989
Fiscal year end30-09
Activities, NACEBEL
47552Retail sale of lighting equipment
47592Retail trade
52442
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.