TF Consulting
ActiveSummary
TF Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €2k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-54
Solvency70▼-21
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 2.97 in 2024; short-term debt: 55.3% and cash: 98.6% of total assets), but 55.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
44.7%
Return on assets
3.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 3 filingsDeviation from the deadline
2025
6 d late
2024
27 d late
2023
49 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€26k▲ 8.5%
2024 · €24k
2023: €12k
2024: €24k
2023 → 2025
Total assets
€59k▲ 61.5%
2024 · €37k
2023: €25k
2024: €37k
2023 → 2025
Net result
€2k▼ 82.6%
2024 · €12k
2023: €10k
2024: €12k
2023 → 2025
Working capital
€26k▲ 8.5%
2024 · €24k
2023: €12k
2024: €24k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€12k-€24k▲ 96.1%€26k▲ 8.5%
Operating result€15k-€18k▲ 15.7%€7k▼ 62.1%
Net result€10k-€12k▲ 14.6%€2k▼ 82.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€78 =
Current assets
€59k ▲ 61.6%
Equity and liabilities €59k
Equity
€26k ▲ 8.5%
Debt
€33k ▲ 167%
Debt's share of the balance-sheet total rises from 33.5% to 55.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.80▼
2024 · 2.97
Debt to equity
1.24▲
2024 · 0.50
ROE
7.9%▼
2024 · 49.0%
ROA
3.5%▼
2024 · 32.6%
Debt ≤ 1 year
€33k▲
2024 · €12k
Income taxes
€4k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€37k€59k▲
Fixed assets21/28€78€78=
Financial fixed assets28€78€78=
Current assets29/58€37k€59k▲
Amounts receivable within one year40/41€9k€733▼
Trade receivables40€9k€448▼
Other amounts receivable41-€286
Cash at bank and in hand54/58€28k€58k▲
Deferred charges and accrued income490/1-€27
Equity and liabilities
Total equity and liabilities10/49€37k€59k▲
Equity10/15€24k€26k▲
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Profit (loss) carried forward14€22k€24k▲
Amounts payable17/49€12k€33k▲
Amounts payable within one year42/48€12k€33k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€11k€30k▲
Taxes450/3€10k€30k▲
Remuneration and social security454/9€268-
Other amounts payable47/48-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€76-
Other operating charges640/8€384€693▲
Gross operating margin9900€18k€7k▼
Operating profit (loss)9901€18k€7k▼
Financial income75/76B€14€5▼
Recurring financial income75€14€5▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€17k€6k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€12k€2k▼
Profit (loss) for the period to be appropriated9905€12k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€24k▲
Profit (loss) brought forward from the previous period14P€10k€22k▲
The notes to these accounts (1 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼82.6%
Net result drops to €2k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2023net €12k ▲14.6%
Operating result €18k, net result €12k, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 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, Wemmel · 1 establishment unit since 2023
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.
Lt. Graffplein 151780 WemmelGround area
238 m²
Building footprint
222 m²
Volume, LiDAR
2,582 m³
2 parcels, Brussels, Flanders · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
TF Consulting
since 20232.341.236.639
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0387/00R004 | Flanders | 147 m² | 1 · 144 m² | 14.9 m · 4 fl. |
| 21815D0030/00Z005 | Brussels | 91 m² | 1 · 78 m² | 17.3 m · 5 fl. |
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.
Similar companies · same sector, comparable size
JRDN PROJECTS
BE 0761.728.528
Grobbendonk · Eq €26,394
ZODIAQUE & CIE
BE 0844.269.687
Vorst · Eq €26,386
NOVOS
BE 0728.513.847
Kluisbergen · Eq €26,422
STERLANDRIX
BE 0746.675.712
Waterloo · Eq €26,371
IO DataBridge
BE 0766.766.192
Londerzeel · Eq €26,364
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 13,966 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.