TIGMA
ActiveTIGMA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.24M and a net result of €552k. Equity is growing by ~31.4% per year across the filed fiscal years. Its solvency ranks better than 92% of 2315 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+5
Solvency100=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 20.48; short-term debt: 4.8% and cash: 77.4% of total assets), and 4.8% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
95.2%
Return on assets
23.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
10 d early
2024
294 d late
2023
43 d early
2022
60 d early
2021
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.24M▲ 32.4%
2024 · €1.69M
2021: €444k
2022: €990k
2023: €1.36M
2024: €1.69M
2021 → 2025
Total assets
€2.35M▲ 37.9%
2024 · €1.71M
2021: €652k
2022: €1.06M
2023: €1.36M
2024: €1.71M
2021 → 2025
Net result
€552k▲ 68.1%
2024 · €328k
2021: €439k
2022: €546k
2023: €375k
2024: €328k
2021 → 2025
Working capital
€2.19M▲ 34.7%
2024 · €1.63M
2021: €444k
2022: €974k
2024: €1.63M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€444k-€990k▲ 123%€1.36M▲ 37.8%€1.69M▲ 24.1%€2.24M▲ 32.4%
Operating result€642k-€791k▲ 23.3%€544k▼ 31.2%€474k▼ 12.9%€801k▲ 68.9%
Net result€439k-€546k▲ 24.2%€375k▼ 31.3%€328k▼ 12.4%€552k▲ 68.1%
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 recovers in 2025; 2025 is 69% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.35M
Fixed assets
€51k▼ 23.8%
Current assets
€2.30M▲ 40.4%
Equity and liabilities €2.35M
Equity
€2.24M▲ 32.4%
Debt
€112k▲ 687%
The debt ratio rises from 0.8% to 4.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€817k▲
2024 · €481k
Cash flow
€568k▲
2024 · €335k
Solvency
95.2%▼
2024 · 99.2%
Current ratio
20.48
Quick ratio
20.48
Debt / equity
0.05▲
2024 · 0.01
ROE
24.6%▲
2024 · 19.4%
ROA
23.4%▲
2024 · 19.2%
Interest coverage
8623.36▲
2024 · 4606.43
Debt
€112k▲
2024 · €14k
Debt ≤ 1 year
€112k▲
2024 · €14k
Income taxes
€253k▲
2024 · €147k
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€1.71M€2.35M▲
Fixed assets21/28€66k€51k▼
Tangible fixed assets22/27€66k€51k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€61k€47k▼
Current assets29/58€1.64M€2.30M▲
Amounts receivable within one year40/41€445k€477k▲
Trade receivables40€212k€247k▲
Other amounts receivable41€233k€230k▼
Cash at bank and in hand54/58€1.19M€1.82M▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.71M€2.35M▲
Equity10/15€1.69M€2.24M▲
Contributions10/11€717€717=
Reserves13€1.69M€2.24M▲
Non-distributable reserves130/1€5€5=
Reserves not available under the articles1311€5€5=
Tax-exempt reserves132€192-
Distributable reserves133€1.69M€2.24M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€14k€112k▲
Amounts payable within one year42/48€14k€112k▲
Trade debts44€14k€9k▼
Suppliers440/4€14k€9k▼
Taxes, remuneration and social security45-€104k
Taxes450/3-€104k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€16k▲
Other operating charges640/8€759€2k▲
Gross operating margin9900€482k€819k▲
Operating profit (loss)9901€474k€801k▲
Financial income75/76B€958€4k▲
Recurring financial income75€958€4k▲
Financial charges65/66B€104€95▼
Recurring financial charges65€104€95▼
Profit (loss) for the period before taxes9903€475k€805k▲
Income taxes67/77€147k€253k▲
Profit (loss) for the period9904€328k€552k▲
Transfer from tax-exempt reserves789€192€0▼
Profit (loss) for the period to be appropriated9905€328k€552k▲
Appropriation of the result
Profit (loss) to be appropriated9906€328k€552k▲
Transfer from equity791/2-€3k
Transfer to equity691/2€328k€552k▲
To other reserves6921€328k€552k▲
Profit to be distributed694/7-€3k
Return on contributions (dividend)694-€3k
The notes to these accounts (5 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 294 days late
30-06
Financial
Highest result since 2021net €552k ▲68.1%
Operating result €801k, net result €552k, both a record.
30-06
Financial
Equity above €2MEq €2.24M ▲32.4%
5 profitable years in a row build equity to €2.24M.
2024
30-06
Financial
Weakest financial yearnet €328k ▼12.4%
Net result drops to €328k, the lowest in the series; recovery starts the following year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Equity above €1MEq €1.36M ▲37.8%
3 profitable years in a row build equity to €1.36M.
2022
02-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Liquidity times 5current ratio 15.04
Current ratio from 3.14 to 15.04; short-term debt falls from €207k to €69k.
30-06
Financial
Equity above €500kEq €990k ▲123%
2 profitable years in a row build equity to €990k.
17-01
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, Lochristi · 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.
Ruilare 1269080 LochristiGround area
1,071 m²
Building footprint
191 m²
Volume, LiDAR
1,382 m³
Parcel 44077A0399/00G000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TIGMA
since 20212.325.597.269
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44077A0399/00G000 | Flanders | 1,071 m² | 1 · 191 m² | 11.3 m · 2 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
2023 to 2024 · 2 entries · 50 EUR awarded · 50 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 50 EUR |
| 2023 | 1 | 50 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,120 companies in sector 86210 we hold annual accounts for 6,336. 2,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2021
Fiscal year end30-06
Activities, NACEBEL
86210General medical practice
86910Medical imaging and medical laboratories
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.