TiB-CON
ActiveTiB-CON has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €13k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 13% of 9369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency38▲+11
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 1.62 in 2024), but 92.8% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
7.2%
Return on assets
2.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 9369 sector peers (2025).
NBB · sector comparisonPosition among 9369 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
21 d late
2024
44 d early
2023
47 d early
2022
62 d early
2021
62 d early
2020
61 d early
2019
59 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 65.9%
2024 · €20k
2018: €34k
2019: €54k
2020: €20k
2021: €20k
2022: €20k
2023: €60k
2024: €20k
2018 → 2025
Total assets
€472k▼ 2.6%
2024 · €484k
2018: €49k
2019: €64k
2020: €98k
2021: €68k
2022: €87k
2023: €115k
2024: €484k
2018 → 2025
Net result
€13k▲ 0.9%
2024 · €13k
2018: €683
2019: €20k
2020: €19k
2021: €36k
2022: €50k
2023: €39k
2024: €13k
2018 → 2025
Working capital
€90k▲ 57.0%
2024 · €57k
2018: €25k
2019: €39k
2020: €-14k
2021: €-16k
2022: €-9k
2023: €19k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€60k▲ 193%€20k▼ 65.8%€34k▲ 65.9%
Operating result€46k-€65k▲ 40.6%€58k▼ 10.5%€34k▼ 42.2%€43k▲ 28.0%
Net result€36k-€50k▲ 40.3%€39k▼ 21.1%€13k▼ 66.1%€13k▲ 0.9%
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 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €472k
Fixed assets
€310k▼ 7.5%
Current assets
€162k▲ 8.3%
Equity and liabilities €472k
Equity
€34k▲ 65.9%
Debt
€438k▼ 5.6%
The debt ratio falls from 95.8% to 92.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€53k▲
2024 · €48k
Cash flow
€23k▼
2024 · €28k
Solvency
7.2%▲
2024 · 4.2%
Current ratio
2.24▲
2024 · 1.62
Quick ratio
2.24▲
2024 · 1.62
Debt / equity
12.90▼
2024 · 22.68
ROE
39.7%▼
2024 · 65.4%
ROA
2.9%▲
2024 · 2.8%
Interest coverage
2.61▼
2024 · 3.83
Debt
€438k▼
2024 · €464k
Debt ≤ 1 year
€73k▼
2024 · €93k
Debt > 1 year
€281k▼
2024 · €322k
Income taxes
€10k▲
2024 · €8k
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€484k€472k▼
Fixed assets21/28€335k€310k▼
Tangible fixed assets22/27€335k€310k▼
Land and buildings22€278k€278k=
Furniture and vehicles24€37k€18k▼
Other tangible fixed assets26€20k€13k▼
Current assets29/58€150k€162k▲
Amounts receivable within one year40/41€63k€47k▼
Trade receivables40€17k€19k▲
Other amounts receivable41€46k€28k▼
Cash at bank and in hand54/58€86k€96k▲
Deferred charges and accrued income490/1€300€19k▲
Equity and liabilities
Total equity and liabilities10/49€484k€472k▼
Equity10/15€20k€34k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€0€13k▲
Amounts payable17/49€464k€438k▼
Amounts payable after more than one year17€322k€281k▼
Financial debts170/4€322k€281k▼
Amounts payable within one year42/48€93k€73k▼
Current portion of amounts payable after more than one year42€41k€43k▲
Trade debts44€0€4k▲
Suppliers440/4€0€4k▲
Taxes, remuneration and social security45€24k€24k▼
Taxes450/3€24k€21k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€27k€2k▼
Accrued charges and deferred income492/3€50k€85k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€49k€55k▲
Operating profit (loss)9901€34k€43k▲
Financial income75/76B€57€1k▲
Recurring financial income75€57€1k▲
Financial charges65/66B€13k€20k▲
Recurring financial charges65€13k€20k▲
Profit (loss) for the period before taxes9903€21k€24k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€13k€13k▲
Profit (loss) for the period to be appropriated9905€13k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€13k▼
Profit (loss) brought forward from the previous period14P€39k€0▼
Profit to be distributed694/7€53k€0▼
Return on contributions (dividend)694€53k€0▼
The notes to these accounts (9 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €50k ▲40.3%
Operating result €65k, net result €50k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Mechelen · 1 establishment unit since 2016
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.
Kloosterstraat(WAL) 492800 MechelenGround area
525 m²
Building footprint
157 m²
Volume, LiDAR
613 m³
Parcel 12037B0465/00V002, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kloosterstraat(WAL) 49, 2800 Mechelen
since 20162.251.199.754
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12037B0465/00V002 | Flanders | 525 m² | 1 · 157 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 375 EUR awarded · 375 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 375 EUR | 375 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,505 companies in sector 71121 we hold annual accounts for 6,522. 4,542 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-03-2016
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.