TETRO TREASURE
ActiveThe computed 12-month bankruptcy probability of TETRO TREASURE is 3.7% (moderate). The 2024 annual accounts show negative equity (€-55k) and a net result of €-23k. Equity is shrinking by ~49.5% per year across the filed fiscal years. Its solvency ranks better than 8% of 26048 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
26
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-62
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 0.36 in 2023; short-term debt: 156% and cash: 57% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-123.5%
Return on assets
-51.7%
Age of the figures
21 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
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 →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €-55k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
23 d late
2022
1 d early
2021
75 d late
2020
107 d late
2019
48 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-55k▼ 72.1%
2023 · €-32k
2019: €12k
2020: €15k
2021: €-22k
2022: €-32k
2023: €-32k
2019 → 2024
Total assets
€45k▲ 17.5%
2023 · €38k
2019: €48k
2020: €70k
2021: €46k
2022: €41k
2023: €38k
2019 → 2024
Net result
€-23k▼ 5,317%
2023 · €-426
2019: €2k
2020: €3k
2021: €-37k
2022: €-9k
2023: €-426
2019 → 2024
Working capital
€-31k▲ 30.2%
2023 · €-45k
2019: €10k
2020: €13k
2021: €-48k
2022: €-51k
2023: €-45k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€15k-€-22k€-32k▼ 42.0%€-32k▼ 1.3%€-55k▼ 72.1%
Operating result€-7k-€-36k▼ 421%€-8k▲ 76.4%€1k€-20k
Net result€3k-€-37k€-9k▲ 74.7%€-426▲ 95.4%€-23k▼ 5,317%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €20k after €1k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €45k
Fixed assets
€6k▼ 50.9%
Current assets
€38k▲ 52.1%
Key figures and ratios
EBITDA
€-14k▼
2023 · €8k
Cash flow
€-17k▼
2023 · €6k
Solvency
-123.5%▼
2023 · -84.3%
Current ratio
0.55▲
2023 · 0.36
Quick ratio
0.39▲
2023 · 0.36
Debt / equity
-1.81▲
2023 · -2.19
ROA
-51.7%▼
2023 · -1.1%
Interest coverage
-4.74▼
2023 · 5.36
Debt
€100k▲
2023 · €70k
Debt ≤ 1 year
€70k▼
2023 · €70k
Staff costs
€21k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€38k€45k▲
Fixed assets21/28€13k€6k▼
Tangible fixed assets22/27€13k€6k▼
Plant, machinery and equipment23€7k€3k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€25k€38k▲
Stocks and contracts in progress3-€11k
Stocks30/36-€11k
Amounts receivable within one year40/41€91-
Other amounts receivable41€91-
Cash at bank and in hand54/58€25k€25k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€38k€45k▲
Equity10/15€-32k€-55k▼
Contributions10/11€10k€10k=
Reserves13€232€232=
Non-distributable reserves130/1€232€232=
Reserves not available under the articles1311€232€232=
Profit (loss) carried forward14€-42k€-65k▼
Amounts payable17/49€70k€100k▲
Amounts payable within one year42/48€70k€70k▼
Trade debts44€35k€27k▼
Suppliers440/4€35k€27k▼
Taxes, remuneration and social security45€19k€27k▲
Taxes450/3€19k€22k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€16k€15k▼
Accrued charges and deferred income492/3-€30k
Income statement
Code20232024
Remuneration, social security and pensions62-€21k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€10k€10k▲
Operating profit (loss)9901€1k€-20k▼
Financial income75/76B€1€381▲
Recurring financial income75€1€381▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-426€-23k▼
Profit (loss) for the period9904€-426€-23k▼
Profit (loss) for the period to be appropriated9905€-426€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-65k▼
Profit (loss) brought forward from the previous period14P€-42k€-42k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
31-12
Financial
Weakest financial yearnet €-37k ▼1299%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
2020
31-12
Financial
Highest result since 2019net €3k ▲96.7%
Net result €3k, the highest in the series.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 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.
Vestingstraat 72018 AntwerpenGround area
67 m²
Building footprint
67 m²
Volume, LiDAR
918 m³
Parcel 11808H1239/00N002, Flanders · tallest building 17.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
TETRO TREASURE
since 20192.290.762.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1239/00N002 | Flanders | 67 m² | 1 · 67 m² | 17.7 m · 6 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
Zahed Jewellery
BE 1009.783.361
Antwerpen · Eq €15k
GILDIS
BE 0446.334.513
Antwerpen · Eq €15k
't JUWEELATELJEE
BE 0809.110.751
Hasselt · Eq €14k
GMJ Trading
BE 0770.695.187
Gent · Eq €14k
UZAL JEWELRY
BE 1010.350.515
Ukkel · Eq €15k
Of 2,016 companies in sector 47770 we hold annual accounts for 898. 428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2019
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.