TIKO
ActiveSummary
TIKO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.55M and a net result of €114k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-6
Solvency95▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €350k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.16 in 2024; short-term debt: 11.6% and cash: 0.1% of total assets), and 29.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
70.3%
Return on assets
1.8%
Age of the figures
15 mo
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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-02-2026, 13 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 · 7 filingsDeviation from the deadline
2025
13 d late
2024
71 d early
2023
16 d early
2022
11 d early
2021
4 d early
2020
12 d late
2019
8 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 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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€114k▼ 20.7%
2024 · €144k
2019: €84k
2020: €3.28M
2021: €177k
2022: €180k
2023: €171k
2024: €144k
2019 → 2025
Working capital
€-723k▼ 32.0%
2024 · €-547k
2019: €-3.12M
2020: €-325k
2021: €-365k
2022: €-393k
2023: €-491k
2024: €-547k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.94M-€4.12M▲ 4.6%€4.30M▲ 4.2%€4.44M▲ 3.4%€4.55M▲ 2.6%
Operating result€259k-€265k▲ 2.5%€260k▼ 2.0%€252k▼ 3.2%€232k▼ 8.1%
Net result€177k-€180k▲ 1.9%€171k▼ 5.0%€144k▼ 15.8%€114k▼ 20.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 8% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.48M
Fixed assets
€6.45M ▲ 28.3%
Current assets
€30k ▼ 71.7%
Equity and liabilities €6.48M
Equity
€4.55M ▲ 2.6%
Debt
€1.92M ▲ 179%
Debt's share of the balance-sheet total rises from 13.5% to 29.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€260k▼
2024 · €280k
Cash flow
€143k▼
2024 · €173k
Current ratio
0.04▼
2024 · 0.16
Debt to equity
0.42▲
2024 · 0.16
ROE
2.5%▼
2024 · 3.2%
ROA
1.8%▼
2024 · 2.8%
Interest coverage
5.44▼
2024 · 11.22
Debt ≤ 1 year
€753k▲
2024 · €653k
Debt > 1 year
€1.17M▲
2024 · €18k
Income taxes
€69k▼
2024 · €83k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.13M€6.48M▲
Fixed assets21/28€5.02M€6.45M▲
Intangible fixed assets21€157k€129k▼
Tangible fixed assets22/27€159k€1.61M▲
Assets under construction and advance payments27€159k€1.61M▲
Financial fixed assets28€4.71M€4.71M=
Current assets29/58€106k€30k▼
Amounts receivable within one year40/41€30k€20k▼
Trade receivables40€30k€20k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€75k€4k▼
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€5.13M€6.48M▲
Equity10/15€4.44M€4.55M▲
Contributions10/11€400k€400k=
Reserves13€4.04M€4.15M▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€4.04M€4.15M▲
Amounts payable17/49€690k€1.92M▲
Amounts payable after more than one year17€18k€1.17M▲
Financial debts170/4€18k€1.17M▲
Amounts payable within one year42/48€653k€753k▲
Current portion of amounts payable after more than one year42€221k€92k▼
Trade debts44€5k€53k▲
Suppliers440/4€5k€53k▲
Taxes, remuneration and social security45€97k€80k▼
Taxes450/3€97k€80k▼
Other amounts payable47/48€331k€528k▲
Accrued charges and deferred income492/3€18k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k=
Other operating charges640/8€5k€5k▲
Gross operating margin9900€285k€265k▼
Operating profit (loss)9901€252k€232k▼
Financial income75/76B€0€65▲
Recurring financial income75€0€65▲
Financial charges65/66B€25k€48k▲
Recurring financial charges65€25k€48k▲
Profit (loss) for the period before taxes9903€227k€184k▼
Income taxes67/77€83k€69k▼
Profit (loss) for the period9904€144k€114k▼
Profit (loss) for the period to be appropriated9905€144k€114k▼
Appropriation of the result
Profit (loss) to be appropriated9906€144k€114k▼
Transfer to equity691/2€144k€114k▼
To other reserves6921€144k€114k▼
The notes to these accounts (17 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
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 13 days late
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
12-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
30-06
Financial
Highest result since 2019net €3.28M ▲3798%
Operating result €323k, net result €3.28M, both a record.
30-06
Financial
Equity above €2MEq €3.77M ▲678%
2 profitable years in a row build equity to €3.77M.
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ciney · 1 establishment unit since 2018
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 du Parc Industriel d'Achêne 145590 CineyGround area
8,692 m²
Building footprint
612 m²
Parcel 91001C0131/00B002, Wallonia. Linked by address, not a title deed.
1 establishment unit
TIKO
since 20182.277.944.238
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91001C0131/00B002 | Wallonia | 8,692 m² | 1 · 612 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 12,038 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
Founded10-07-2018
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.