TIAB
ActiveSummary
TIAB has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €5k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 46% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+2
Solvency50▲+1
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.76 against 1.8 in 2024; short-term debt: 12.3% and cash: 3.8% of total assets), and 75.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
24.9%
Return on assets
1.2%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
21 d early
2023
21 d early
2022
20 d early
2021
18 d early
← 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, micro schema
Equity
€104k▲ 4.5%
2024 · €100k
2021: €82k
2022: €91k
2023: €97k
2024: €100k
2021 → 2025
Total assets
€418k▲ 1.8%
2024 · €410k
2021: €487k
2022: €462k
2023: €428k
2024: €410k
2021 → 2025
Net result
€5k
2024 · €-1k
2021: €2k
2022: €9k
2023: €6k
2024: €-1k
2021 → 2025
Working capital
€-13k
2024 · €25k
2021: €-10k
2022: €-2k
2023: €14k
2024: €25k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€91k▲ 10.5%€97k▲ 6.9%€100k▲ 2.6%€104k▲ 4.5%
Operating result€8k-€17k▲ 104%€13k▼ 23.7%€545▼ 95.8%€10k▲ 1,777%
Net result€2k-€9k▲ 290%€6k▼ 27.6%€-1k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,777% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €418k
Fixed assets
€379k ▲ 7.2%
Current assets
€39k ▼ 31.6%
Equity and liabilities €418k
Equity
€104k ▲ 4.5%
Provisions
€1k ▼ 12.9%
Debt
€312k ▲ 1.0%
Debt's share of the balance-sheet total falls from 75.4% to 74.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€52k▲
2024 · €40k
Cash flow
€46k▲
2024 · €38k
Current ratio
0.76▼
2024 · 1.80
Debt to equity
3.00▼
2024 · 3.10
ROE
4.8%▲
2024 · -1.2%
ROA
1.2%▲
2024 · -0.3%
Interest coverage
8.75▼
2024 · 9.43
Debt ≤ 1 year
€51k▲
2024 · €31k
Debt > 1 year
€261k▼
2024 · €278k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€410k€418k▲
Fixed assets21/28€354k€379k▲
Tangible fixed assets22/27€354k€379k▲
Land and buildings22€354k€379k▲
Current assets29/58€57k€39k▼
Amounts receivable within one year40/41€312€772▲
Other amounts receivable41€312€772▲
Cash at bank and in hand54/58€35k€16k▼
Deferred charges and accrued income490/1€22k€22k▲
Equity and liabilities
Total equity and liabilities10/49€410k€418k▲
Equity10/15€100k€104k▲
Contributions10/11€80k€80k=
Profit (loss) carried forward14€16k€21k▲
Investment grants15€4k€3k▼
Provisions and deferred taxes16€1k€1k▼
Deferred taxes168€1k€1k▼
Amounts payable17/49€309k€312k▲
Amounts payable after more than one year17€278k€261k▼
Financial debts170/4€273k€261k▼
Other amounts payable178/9€5k-
Amounts payable within one year42/48€31k€51k▲
Current portion of amounts payable after more than one year42€25k€37k▲
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€42k▲
Other operating charges640/8-€1k
Gross operating margin9900€40k€53k▲
Operating profit (loss)9901€545€10k▲
Financial income75/76B€2k€478▼
Recurring financial income75€2k€478▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€-2k€5k▲
Transfer from deferred taxes780€620€159▼
Profit (loss) for the period9904€-1k€5k▲
Profit (loss) for the period to be appropriated9905€-1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€21k▲
Profit (loss) brought forward from the previous period14P€17k€16k▼
The notes to these accounts (7 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Equity above €100kEq €104k ▲4.5%
Equity rises from €100k to €104k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-1k ▼119%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €9k ▲290%
Operating result €17k, net result €9k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herve · 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.
Rue des Meuneries 104650 HerveGround area
5,113 m²
Building footprint
2,518 m²
Volume, LiDAR
13,476 m³
2 parcels, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Nazareth 8, 4651 Herve
since 20212.313.332.313
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63035A0013/00R002 | Wallonia | 3,285 m² | 1 · 2,337 m² | 7.1 m · 2 fl. |
| 63006D0328/00B002 | Wallonia | 1,827 m² | 1 · 181 m² | 7.5 m · 2 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
GCL immo
BE 0429.065.840
Oupeye · Eq €104,150
TMK Invest
BE 0774.710.294
Maasmechelen · Eq €104,194
P&J Invest
BE 0770.821.188
Bekkevoort · Eq €104,280
GROEP COEKAERTS
BE 0442.678.997
Lier · Eq €104,030
MEIRES INVEST
BE 0666.765.825
Beersel · Eq €103,937
Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 3,809 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
Founded27-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.