Tibos-Services
ActiveThe computed 12-month bankruptcy probability of Tibos-Services is 1.8% (moderate). The 2025 annual accounts show equity of €137k and a net result of €11k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 27358 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
87
/ 100
Excellent▲ +42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▲+39
Solvency95▲+6
Growth52=
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 2.2 in 2024), but 50.2% 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
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
49.8%
Return on assets
3.9%
Age of the figures
8 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 10-08-2026, 10 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
10 d late
2024
on the day
2023
9 d early
2022
23 d late
2021
9 d early
2020
24 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€137k▲ 8.4%
2024 · €127k
2020: €58k
2021: €103k
2022: €114k
2023: €144k
2024: €127k
2020 → 2025
Total assets
€276k▼ 4.7%
2024 · €289k
2020: €82k
2021: €123k
2022: €335k
2023: €366k
2024: €289k
2020 → 2025
Net result
€11k
2024 · €-18k
2020: €53k
2021: €45k
2022: €11k
2023: €30k
2024: €-18k
2020 → 2025
Working capital
€54k▲ 6.8%
2024 · €50k
2020: €50k
2021: €82k
2022: €148k
2023: €140k
2024: €50k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€114k▲ 11.0%€144k▲ 26.4%€127k▼ 12.2%€137k▲ 8.4%
Operating result€58k-€13k▼ 78.1%€39k▲ 212%€-18k€11k
Net result€45k-€11k▼ 74.9%€30k▲ 166%€-18k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11k after a loss of €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276k
Fixed assets
€198k▲ 0.6%
Current assets
€78k▼ 16.1%
Equity and liabilities €276k
Equity
€137k▲ 8.4%
Debt
€138k▼ 14.9%
The debt ratio falls from 56.2% to 50.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€22k▲
2024 · €-11k
Cash flow
€22k▲
2024 · €-10k
Solvency
49.8%▲
2024 · 43.8%
Current ratio
3.26▲
2024 · 2.20
Quick ratio
2.30▲
2024 · 1.46
Debt / equity
1.01▼
2024 · 1.28
ROE
7.8%▲
2024 · -13.9%
ROA
3.9%▲
2024 · -6.1%
Interest coverage
78.47▲
2024 · -19.78
Debt
€138k▼
2024 · €163k
Debt ≤ 1 year
€24k▼
2024 · €42k
Debt > 1 year
€114k▼
2024 · €120k
Income taxes
€124
Staff costs
€22k▼
2024 · €56k
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€289k€276k▼
Fixed assets21/28€197k€198k▲
Tangible fixed assets22/27€197k€198k▲
Land and buildings22-€9k
Plant, machinery and equipment23€255€976▲
Furniture and vehicles24€2k€3k▲
Other tangible fixed assets26€194k€184k▼
Current assets29/58€93k€78k▼
Stocks and contracts in progress3€31k€23k▼
Stocks30/36€31k€23k▼
Amounts receivable within one year40/41€22k€32k▲
Trade receivables40€11k€12k▲
Other amounts receivable41€11k€20k▲
Cash at bank and in hand54/58€34k€19k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€289k€276k▼
Equity10/15€127k€137k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€117k€127k▲
Amounts payable17/49€163k€138k▼
Amounts payable after more than one year17€120k€114k▼
Financial debts170/4€120k€114k▼
Amounts payable within one year42/48€42k€24k▼
Trade debts44€19k€12k▼
Suppliers440/4€19k€12k▼
Taxes, remuneration and social security45€15k€3k▼
Taxes450/3€7k-
Remuneration and social security454/9€8k€3k▼
Other amounts payable47/48€8k€8k▲
Accrued charges and deferred income492/3€365€365=
Income statement
Code20242025
Remuneration, social security and pensions62€56k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€11k▲
Other operating charges640/8€507€760▲
Gross operating margin9900€46k€45k▼
Operating profit (loss)9901€-18k€11k▲
Financial income75/76B€894€172▼
Recurring financial income75€894€172▼
Financial charges65/66B€532€286▼
Recurring financial charges65€532€286▼
Profit (loss) for the period before taxes9903€-18k€11k▲
Income taxes67/77-€124
Profit (loss) for the period9904€-18k€11k▲
Profit (loss) for the period to be appropriated9905€-18k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€117k€127k▲
Profit (loss) brought forward from the previous period14P€134k€117k▼
The notes to these accounts (6 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-18k ▼159%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €103k ▲78.2%
2 profitable years in a row build equity to €103k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Kruibeke · 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.
Temsestraat 39B9150 KruibekeGround area
601 m²
Parcel 46018A0153/00R002, Flanders. Linked by address, not a title deed.
1 establishment unit
Tibos-Services
since 20192.306.025.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46018A0153/00R002 | Flanders | 601 m² | - | - |
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 to 2023 · 2 entries · 2,758 EUR awarded · 2,758 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 2,758 EUR |
| 2022 | 1 | 2,758 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
MY ELECTRICITE GENERALE
BE 0518.908.725
Charleroi · Eq €137k
GH - elek
BE 0843.041.846
Anzegem · Eq €137k
JK Group
BE 0760.508.308
Tienen · Eq €137k
ELEKTRO VAN CRAENENBROECK
BE 0811.810.519
Zaventem · Eq €137k
EnERJI HVAC
BE 0702.987.308
Mons · Eq €138k
Of 22,728 companies in sector 43211 we hold annual accounts for 10,270. 8,623 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2019
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
71121Engineering and related technical consultancy, excluding land surveyors
43212Electrical installation work in industrial facilities
43222Installation of electric heating, air conditioning, cooling and ventilation
43240Other construction installation
43299Specialised construction activities
95220Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@tibos-services.be