tindra
ActiveSummary
tindra has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €143,517 and a net result of €4,993. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 6550 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability68▲+6
Solvency99▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 3.86 against 2.69 in 2023; short-term debt: 25.8% and cash: 65.7% of total assets), and 25.8% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
30 d late
2022
151 d late
2021
152 d late
2020
151 d late
2019
153 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 111 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4,993▲ 6.0%
2023 · €4,710
Working capital
€142,606▲ 3.9%
2023 · €137,293
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€8,792€9,237▲ 5.1%€8,062▼ 12.7%€9,563▲ 18.6%€10,015▲ 4.7%
Net result€6,996within the sector's middle half€4,238within the sector's middle half▼ 39.4%€4,259within the sector's middle half▲ 0.5%€4,710within the sector's middle half▲ 10.6%€4,993within the sector's middle half▲ 6.0%
Equity€125,317within the sector's middle half▲ 5.9%€129,555within the sector's middle half▲ 3.4%€133,814within the sector's middle half▲ 3.3%€138,524within the sector's middle half▲ 3.5%€143,517within the sector's middle half▲ 3.6%
Total assets€190,716below the sector's middle half▲ 0.8%€194,728below the sector's middle half▲ 2.1%€204,336below the sector's middle half▲ 4.9%€219,738below the sector's middle half▲ 7.5%€193,460below the sector's middle half▼ 12.0%
Debt€65,399▼ 7.7%€65,173▼ 0.3%€70,522▲ 8.2%€81,214▲ 15.2%€49,943▼ 38.5%
Working capital€123,922within the sector's middle half▲ 6.7%€127,272within the sector's middle half▲ 2.7%€132,263within the sector's middle half▲ 3.9%€137,293within the sector's middle half▲ 3.8%€142,606within the sector's middle half▲ 3.9%
Solvency65.7%above the sector's middle half▲ 3.2pp66.5%above the sector's middle half▲ 0.8pp65.5%above the sector's middle half▼ 1.0pp63.0%above the sector's middle half▼ 2.4pp74.2%above the sector's middle half▲ 11.1pp
Current ratio2.89above the sector's middle half▲ 0.262.95above the sector's middle half▲ 0.062.88above the sector's middle half▼ 0.082.69above the sector's middle half▼ 0.183.86above the sector's middle half▲ 1.16
Return on assets (ROA)3.7%within the sector's middle half▲ 11.5pp2.2%within the sector's middle half▼ 1.5pp2.1%within the sector's middle half▼ 0.1pp2.1%within the sector's middle half▲ 0.1pp2.6%within the sector's middle half▲ 0.4pp
Staff (FTE)2below the sector's middle half=2below the sector's middle half=2below the sector's middle half=1.5below the sector's middle half▼ 25.0%1.3below the sector's middle half▼ 13.3%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 5% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €193,460
Fixed assets
€911 ▼ 26.0%
Current assets
€192,549 ▼ 11.9%
Equity and liabilities €193,460
Equity
€143,517 ▲ 3.6%
Debt
€49,943 ▼ 38.5%
Debt's share of the balance-sheet total falls from 37.0% to 25.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10,335▲
2023 · €9,883
Cash flow
€5,313▲
2023 · €5,030
Quick ratio
2.83▲
2023 · 2.10
Debt to equity
0.35▼
2023 · 0.59
ROE
3.5%▲
2023 · 3.4%
Interest coverage
5.54▲
2023 · 4.83
Debt ≤ 1 year
€49,943▼
2023 · €81,214
Income taxes
€3,696▲
2023 · €2,997
Staff costs
€59,649▼
2023 · €74,749
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €74,683 | €80,221 | €74,749 | €59,649 | ▼ 20.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €825 | €714 | €732 | €320 | €320 | = |
| Other operating charges640/8 | - | €1,106 | €1,240 | €1,227 | €1,266 | ▲ 3.2% |
| Non-recurring operating charges66A | - | €146 | €726 | €765 | €1,780 | ▲ 133% |
| Gross operating margin9900 | €77,553 | €85,886 | €90,981 | €86,624 | €73,030 | ▼ 15.7% |
| Operating profit (loss)9901 | €8,792 | €9,237 | €8,062 | €9,563 | €10,015 | ▲ 4.7% |
| Financial income75/76B | - | €2 | €467 | €192 | €538 | ▲ 180% |
| Recurring financial income75 | - | €2 | €467 | €192 | €538 | ▲ 180% |
| Financial charges65/66B | - | €1,851 | €2,202 | €2,048 | €1,864 | ▼ 9.0% |
| Recurring financial charges65 | €1,265 | €1,851 | €2,202 | €2,048 | €1,864 | ▼ 9.0% |
| Profit (loss) for the period before taxes9903 | €7,527 | €7,388 | €6,327 | €7,707 | €8,689 | ▲ 12.7% |
| Income taxes67/77 | €531 | €3,150 | €2,068 | €2,997 | €3,696 | ▲ 23.3% |
| Profit (loss) for the period9904 | €6,996 | €4,238 | €4,259 | €4,710 | €4,993 | ▲ 6.0% |
| Profit (loss) for the period to be appropriated9905 | €6,996 | €4,238 | €4,259 | €4,710 | €4,993 | ▲ 6.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €190,716 | €194,728 | €204,336 | €219,738 | €193,460 | ▼ 12.0% |
| Fixed assets21/28 | €1,395 | €2,283 | €1,551 | €1,231 | €911 | ▼ 26.0% |
| Tangible fixed assets22/27 | €992 | €1,880 | €1,148 | €828 | €508 | ▼ 38.6% |
| Plant, machinery and equipment23 | - | €411 | - | - | - | - |
| Furniture and vehicles24 | - | €1,469 | €1,148 | €828 | €508 | ▼ 38.6% |
| Financial fixed assets28 | €403 | €403 | €403 | €403 | €403 | = |
| Current assets29/58 | €189,321 | €192,445 | €202,785 | €218,507 | €192,549 | ▼ 11.9% |
| Stocks and contracts in progress3 | €45,765 | €47,138 | €46,864 | €47,969 | €51,067 | ▲ 6.5% |
| Stocks30/36 | - | €47,138 | €46,864 | €47,969 | €51,067 | ▲ 6.5% |
| Amounts receivable within one year40/41 | €15,528 | €13,461 | €15,541 | €47,979 | €13,142 | ▼ 72.6% |
| Trade receivables40 | - | €10,846 | €12,822 | €45,122 | €7,772 | ▼ 82.8% |
| Other amounts receivable41 | - | €2,615 | €2,719 | €2,857 | €5,370 | ▲ 88.0% |
| Cash at bank and in hand54/58 | €126,365 | €130,360 | €138,465 | €120,471 | €127,090 | ▲ 5.5% |
| Deferred charges and accrued income490/1 | - | €1,486 | €1,915 | €2,088 | €1,250 | ▼ 40.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €190,716 | €194,728 | €204,336 | €219,738 | €193,460 | ▼ 12.0% |
| Equity10/15 | €125,317 | €129,555 | €133,814 | €138,524 | €143,517 | ▲ 3.6% |
| Contributions10/11 | - | €12,600 | €12,600 | €12,600 | €12,600 | = |
| Reserves13 | €57,360 | €57,360 | €57,360 | €57,360 | €62,160 | ▲ 8.4% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €55,500 | €55,500 | €55,500 | €60,300 | ▲ 8.6% |
| Profit (loss) carried forward14 | €55,357 | €59,595 | €63,854 | €68,564 | €68,757 | ▲ 0.3% |
| Amounts payable17/49 | €65,399 | €65,173 | €70,522 | €81,214 | €49,943 | ▼ 38.5% |
| Amounts payable within one year42/48 | €65,399 | €65,173 | €70,522 | €81,214 | €49,943 | ▼ 38.5% |
| Trade debts44 | €24,272 | €24,206 | €45,218 | €61,476 | €35,254 | ▼ 42.7% |
| Suppliers440/4 | - | €24,206 | €45,218 | €61,476 | €35,254 | ▼ 42.7% |
| Taxes, remuneration and social security45 | - | €12,251 | €15,442 | €12,658 | €13,593 | ▲ 7.4% |
| Taxes450/3 | - | €4,190 | €5,954 | €3,340 | €5,037 | ▲ 50.8% |
| Remuneration and social security454/9 | - | €8,061 | €9,488 | €9,318 | €8,556 | ▼ 8.2% |
| Other amounts payable47/48 | - | €28,716 | €9,862 | €7,080 | €1,096 | ▼ 84.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,996 | €4,238 | €4,259 | €4,710 | €4,993 | ▲ 6.0% |
| + Depreciation and write-downs630 | €825 | €714 | €732 | €320 | €320 | = |
| Operating cash flow (approximation) | €7,821 | €4,952 | €4,991 | €5,030 | €5,313 | ▲ 5.6% |
| Investment in fixed assets (approximation) | - | -€1,602 | €0 | €0 | €0 | - |
| Change in cash | - | €3,995 | €8,105 | -€17,994 | €6,619 | ▲ 137% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 151 days late
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 152 days late
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 151 days late
2020
31-12
Financial
Back to profitnet €6,996
Net result €6,996 after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 153 days late
2019
31-12
Financial
Weakest financial yearnet -€14,907
Net result drops to -€14,907, the lowest in the series; recovery starts the following year.
30-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 152 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 61 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Walhain · 1 establishment unit since 2008
Ground area
2,911 m²
Building footprint
488 m²
Volume, LiDAR
2,769 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Grand'Route 45, 1435 Mont-Saint-Guibert
since 20082.168.626.129
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25020A0104/00V000 | Wallonia | 1,816 m² | 1 · 258 m² | 8.6 m · 2 fl. |
| 25071A0322/00A000 | Wallonia | 1,095 m² | 1 · 229 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMont-Saint-Guibert2.168.626.129
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Of 1,265 companies in sector 47300 we hold annual accounts for 951. 784 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded08-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47521Retail sale of hardware, building materials, paint and glass (general range)
Contact
E-mail
novilux@skynet.beMont-Saint-Guibert
Phone
0478/58 93 85Mont-Saint-Guibert
E-invoicing
Reachable via Peppol
Peppol ID
0208:0894976834
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.