TIBBLOC
ActiveThe computed 12-month bankruptcy probability of TIBBLOC is 4.4% (elevated). The 2025 annual accounts show equity of €262k and a net result of €535k. Equity is growing by ~33.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 865 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency50▼-20
Growth78=
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days only on tighter terms
Liquidity tight (current ratio 1.28 against 1.76 in 2024; short-term debt: 74.5% and cash: 66.9% of total assets), and 75.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
24.6%
Return on assets
50.2%
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 12-05-2026, 80 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
80 d early
2024
43 d early
2023
84 d early
2022
98 d early
2021
101 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€535k▲ 92.7%
2024 · €278k
2021: €-5k
2022: €188k
2023: €48k
2024: €278k
2021 → 2025
Working capital
€225k▼ 25.6%
2024 · €302k
2021: €45k
2022: €97k
2023: €142k
2024: €302k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€133k▲ 195%€181k▲ 36.3%€359k▲ 98.0%€262k▼ 26.9%
Operating result€-5k-€263k€54k▼ 79.5%€374k▲ 594%€713k▲ 90.6%
Net result€-5k-€188k€48k▼ 74.3%€278k▲ 475%€535k▲ 92.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 91% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€46k▼ 54.7%
Current assets
€1.02M▲ 45.7%
Equity and liabilities €1.06M
Equity
€262k▼ 26.9%
Debt
€802k▲ 81.6%
The debt ratio rises from 55.2% to 75.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€735k▲
2024 · €407k
Cash flow
€558k▲
2024 · €311k
Solvency
24.6%▼
2024 · 44.8%
Current ratio
1.28▼
2024 · 1.76
Quick ratio
1.28▼
2024 · 1.75
Debt / equity
3.06▲
2024 · 1.23
ROE
204.0%▲
2024 · 77.4%
ROA
50.2%▲
2024 · 34.7%
Interest coverage
193.93▲
2024 · 148.53
Debt
€802k▲
2024 · €442k
Debt ≤ 1 year
€794k▲
2024 · €397k
Debt > 1 year
€0▼
2024 · €25k
Income taxes
€174k▲
2024 · €94k
Staff costs
€196k▼
2024 · €215k
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€801k€1.06M▲
Fixed assets21/28€102k€46k▼
Tangible fixed assets22/27€101k€46k▼
Plant, machinery and equipment23€16k€9k▼
Furniture and vehicles24€45k€30k▼
Leasing and similar rights25€32k€0▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€228€228=
Current assets29/58€699k€1.02M▲
Stocks and contracts in progress3€6k€4k▼
Stocks30/36€6k€4k▼
Amounts receivable within one year40/41€559k€301k▼
Trade receivables40€482k€280k▼
Other amounts receivable41€77k€21k▼
Cash at bank and in hand54/58€129k€713k▲
Deferred charges and accrued income490/1€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€801k€1.06M▲
Equity10/15€359k€262k▼
Contributions10/11€50k€50k=
Profit (loss) carried forward14€309k€212k▼
Amounts payable17/49€442k€802k▲
Amounts payable after more than one year17€25k€0▼
Financial debts170/4€25k€0▼
Amounts payable within one year42/48€397k€794k▲
Current portion of amounts payable after more than one year42€9k€0▼
Trade debts44€143k€88k▼
Suppliers440/4€143k€88k▼
Taxes, remuneration and social security45€95k€104k▲
Taxes450/3€30k€52k▲
Remuneration and social security454/9€65k€52k▼
Other amounts payable47/48€150k€601k▲
Accrued charges and deferred income492/3€20k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€215k€196k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€23k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€689
Other operating charges640/8€903€9k▲
Gross operating margin9900€622k€942k▲
Operating profit (loss)9901€374k€713k▲
Financial income75/76B€694€0▼
Recurring financial income75€694€0▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€372k€709k▲
Income taxes67/77€94k€174k▲
Profit (loss) for the period9904€278k€535k▲
Profit (loss) for the period to be appropriated9905€278k€535k▲
Appropriation of the result
Profit (loss) to be appropriated9906€409k€844k▲
Profit (loss) brought forward from the previous period14P€131k€309k▲
Profit to be distributed694/7€100k€632k▲
Return on contributions (dividend)694€100k€600k▲
Employees696-€32k
Social balance
Average headcount (FTE)90871.21.0▼
The notes to these accounts (13 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2021net €535k ▲92.7%
Operating result €713k, net result €535k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €200kEq €359k ▲98%
3 profitable years in a row build equity to €359k.
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €150kEq €181k ▲36.3%
2 profitable years in a row build equity to €181k.
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €188k
Net result €188k after one loss-making year.
31-12
Financial
Equity above €100kEq €133k ▲195%
Equity rises from €45k to €133k.
21-04
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
5 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, Brussel · 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.
Louizalaan 4861050 BrusselGround area
696 m²
Building footprint
619 m²
Volume, LiDAR
11,714 m³
Parcel 21822R0227/00X002, Brussels · tallest building 30.8 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Louizalaan 486, 1050 Brussel
since 20212.326.532.330
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0227/00X002 | Brussels | 696 m² | 1 · 619 m² | 30.8 m · 9 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
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BE 0414.233.946
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EXELMANS TRANSPORT
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Transports Joseph FORNASARI
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,203. 5,986 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2021
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
77399Renting and leasing of other machinery, equipment and tangible goods
25210Manufacture of fabricated metal products, except machinery and equipment
43222Installation of electric heating, air conditioning, cooling and ventilation
66120Activities auxiliary to financial services and insurance activities
66129Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.