Summary
Tinis is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €235,456 and a net result of €89,784. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 2460 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €235,456
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
66 d early
2023
49 d early
2022
61 d early
2021
12 d late
2020
61 d early
2019
45 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 46 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidy mirror What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#8 oldest company in Wingene, Finance and insurance sector
Equity
€235,456▲ 61.6%
2024 · €145,672
Net result
€89,784▲ 315%
2024 · €21,656
Total assets
€344,260▲ 8.2%
2024 · €318,228
Solvency
68.4%▲ 22.6pp
2024 · 45.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€18,756▲ 2,912%-€48,491-€64,589▼ 33.2%€31,589€96,440▲ 205%
Net result€15,716-€52,211-€71,399▼ 36.8%€21,656€89,784▲ 315%
Equity€247,626▲ 6.8%€195,415▼ 21.1%€124,016▼ 36.5%€145,672▲ 17.5%€235,456▲ 61.6%
Total assets€378,931▲ 16.0%€359,165▼ 5.2%€385,967▲ 7.5%€318,228▼ 17.6%€344,260▲ 8.2%
Debt€131,305▲ 38.4%€163,750▲ 24.7%€261,951▲ 60.0%€172,556▼ 34.1%€108,804▼ 36.9%
Working capital€45,070▲ 142%-€23,915-€94,939▼ 297%-€56,483▲ 40.5%€65,801
Solvency65.3%▼ 5.6pp54.4%▼ 10.9pp32.1%▼ 22.3pp45.8%▲ 13.6pp68.4%▲ 22.6pp
Staff (FTE)3▲ 15.4%3=3.2▲ 6.7%2.4▼ 25.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 205% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €344,260
Fixed assets
€173,337 ▼ 17.1%
Current assets
€170,923 ▲ 56.6%
Equity and liabilities €344,260
Equity
€235,456 ▲ 61.6%
Debt
€108,804 ▼ 36.9%
Debt's share of the balance-sheet total falls from 54.2% to 31.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
38.1%▲
2024 · 14.9%
ROA
26.1%▲
2024 · 6.8%
Debt ≤ 1 year
€105,122▼
2024 · €165,656
Debt > 1 year
€0▼
2024 · €6,900
Income taxes
-€406▼
2024 · €428
Staff costs
€135,315▲
2024 · €129,646
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €141,941 | €162,549 | €189,848 | €129,646 | €135,315 | ▲ 4.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,797 | €39,132 | €44,344 | €47,265 | €45,550 | ▼ 3.6% |
| Other operating charges640/8 | €3,223 | €3,525 | €3,489 | €5,108 | €1,973 | ▼ 61.4% |
| Gross operating margin9900 | €199,716 | €156,716 | €173,092 | €213,607 | €279,278 | ▲ 30.7% |
| Operating profit (loss)9901 | €18,756 | -€48,491 | -€64,589 | €31,589 | €96,440 | ▲ 205% |
| Financial income75/76B | €36 | €256 | €1,200 | €29 | €131 | ▲ 350% |
| Recurring financial income75 | €36 | €256 | €1,200 | €29 | €131 | ▲ 350% |
| Financial charges65/66B | €2,631 | €3,570 | €7,722 | €9,534 | €7,193 | ▼ 24.6% |
| Recurring financial charges65 | €2,631 | €3,570 | €7,722 | €9,534 | €7,193 | ▼ 24.6% |
| Profit (loss) for the period before taxes9903 | €16,160 | -€51,804 | -€71,111 | €22,084 | €89,378 | ▲ 305% |
| Income taxes67/77 | €445 | €406 | €288 | €428 | -€406 | ▼ 195% |
| Profit (loss) for the period9904 | €15,716 | -€52,211 | -€71,399 | €21,656 | €89,784 | ▲ 315% |
| Profit (loss) for the period to be appropriated9905 | €15,716 | -€52,211 | -€71,399 | €21,656 | €89,784 | ▲ 315% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €378,931 | €359,165 | €385,967 | €318,228 | €344,260 | ▲ 8.2% |
| Fixed assets21/28 | €244,382 | €256,618 | €237,601 | €209,054 | €173,337 | ▼ 17.1% |
| Tangible fixed assets22/27 | €244,246 | €256,481 | €237,465 | €208,918 | €173,201 | ▼ 17.1% |
| Land and buildings22 | €173,371 | €157,026 | €141,221 | €125,506 | €109,790 | ▼ 12.5% |
| Plant, machinery and equipment23 | €23,339 | €62,525 | €67,052 | €62,343 | €51,220 | ▼ 17.8% |
| Furniture and vehicles24 | €47,537 | €36,930 | €29,191 | €21,069 | €12,190 | ▼ 42.1% |
| Financial fixed assets28 | €136 | €136 | €136 | €136 | €136 | = |
| Current assets29/58 | €134,548 | €102,547 | €148,366 | €109,174 | €170,923 | ▲ 56.6% |
| Amounts receivable within one year40/41 | €49 | €7,104 | €31,970 | €36,953 | €37,072 | ▲ 0.3% |
| Trade receivables40 | - | €7,104 | €31,970 | €36,953 | €37,072 | ▲ 0.3% |
| Other amounts receivable41 | €49 | €0 | - | - | - | - |
| Current investments50/53 | €90,000 | €90,000 | €99,756 | €69,756 | €72,756 | ▲ 4.3% |
| Cash at bank and in hand54/58 | €41,003 | €2,441 | €15,670 | €0 | €59,205 | - |
| Deferred charges and accrued income490/1 | €3,497 | €3,002 | €972 | €2,465 | €1,890 | ▼ 23.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €378,931 | €359,165 | €385,967 | €318,228 | €344,260 | ▲ 8.2% |
| Equity10/15 | €247,626 | €195,415 | €124,016 | €145,672 | €235,456 | ▲ 61.6% |
| Contributions10/11 | €222,550 | €222,550 | €222,550 | €222,550 | €222,550 | = |
| Capital10 | €222,550 | €222,550 | - | - | - | - |
| Issued capital100 | €222,550 | €222,550 | - | - | - | - |
| Reserves13 | €188,168 | €188,168 | €188,168 | €188,168 | €188,168 | = |
| Non-distributable reserves130/1 | €12,395 | €12,395 | €0 | - | - | - |
| Legal reserve130 | €12,395 | €12,395 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €0 | - | - | - |
| Tax-exempt reserves132 | €32,773 | €32,773 | €32,773 | €32,773 | €32,773 | = |
| Distributable reserves133 | €143,000 | €143,000 | €155,395 | €155,395 | €155,395 | = |
| Profit (loss) carried forward14 | -€163,092 | -€215,302 | -€286,702 | -€265,046 | -€175,262 | ▲ 33.9% |
| Amounts payable17/49 | €131,305 | €163,750 | €261,951 | €172,556 | €108,804 | ▼ 36.9% |
| Amounts payable after more than one year17 | €41,827 | €30,287 | €18,645 | €6,900 | €0 | ▼ 100% |
| Financial debts170/4 | €41,827 | €30,287 | €18,645 | €6,900 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €89,478 | €126,463 | €243,306 | €165,656 | €105,122 | ▼ 36.5% |
| Current portion of amounts payable after more than one year42 | €11,438 | €11,539 | €11,642 | €11,746 | €6,900 | ▼ 41.3% |
| Financial debts43 | - | - | €66,686 | €55,195 | €99 | ▼ 99.8% |
| Credit institutions430/8 | - | - | €66,686 | €55,195 | €99 | ▼ 99.8% |
| Trade debts44 | €13,191 | €40,248 | €72,260 | €21,097 | €21,183 | ▲ 0.4% |
| Suppliers440/4 | €13,191 | €40,248 | €72,260 | €21,097 | €21,183 | ▲ 0.4% |
| Taxes, remuneration and social security45 | €27,818 | €36,940 | €42,638 | €25,610 | €24,931 | ▼ 2.7% |
| Taxes450/3 | €8,007 | €7,551 | €2,101 | €3,842 | €3,414 | ▼ 11.1% |
| Remuneration and social security454/9 | €19,811 | €29,389 | €40,537 | €21,769 | €21,517 | ▼ 1.2% |
| Other amounts payable47/48 | €37,031 | €37,736 | €50,080 | €52,009 | €52,009 | = |
| Accrued charges and deferred income492/3 | - | €7,000 | €0 | - | €3,682 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,716 | -€52,211 | -€71,399 | €21,656 | €89,784 | ▲ 315% |
| + Depreciation and write-downs630 | €35,797 | €39,132 | €44,344 | €47,265 | €45,550 | ▼ 3.6% |
| Operating cash flow (approximation) | €51,513 | -€13,079 | -€27,055 | €68,920 | €135,334 | ▲ 96.4% |
| Investment in fixed assets (approximation) | - | -€51,367 | -€25,328 | -€18,718 | -€9,833 | ▲ 47.5% |
| Change in cash | - | -€38,562 | €13,228 | -€15,670 | €59,205 | ▲ 478% |
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
Next filing, fiscal year 2026, expected by
2026
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 1.63
Current ratio from 0.66 to 1.63; short-term debt falls from €165,656 to €105,122.
31-12
Financial
Equity above €200,000Eq €235,456 ▲61.6%
2 profitable years in a row build equity to €235,456.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €21,656
Net result €21,656 after 2 loss-making years.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Back to profitnet €15,716
Net result €15,716 after 2 loss-making years.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet -€94,273
Net result drops to -€94,273, the lowest in the series; recovery starts the following year.
Show earlier events
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
10 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, Wingene · 1 establishment unit since 1998
Ground area
1,353 m²
Building footprint
282 m²
Volume, LiDAR
1,513 m³
Parcel 37018D0442/00M002, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
TINIS
since 19982.087.429.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018D0442/00M002 | Flanders | 1,353 m² | 1 · 282 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 2025 · 4 entries · 1,748 EUR awarded · 1,820 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 339 EUR | 339 EUR |
| 2024 | 1 | 675 EUR | 675 EUR |
| 2023 | 1 | 610 EUR | 682 EUR |
| 2022 | 1 | 124 EUR | 124 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
875500HXLPAFJKTQX337
Similar companies · same sector, comparable size
MARIBO
BE 0876.043.127
Maasmechelen · Eq €235,424
Fìn Studio
BE 0805.234.414
Jette · Eq €235,303
ADVIESKANTOOR HOUBRECHTS
BE 0870.807.206
Heusden-Zolder · Eq €235,649
ZAKENKANTOOR HEMERIJCKX
BE 0436.246.513
Ninove · Eq €235,058
ZAKENKANTOOR TIMMERMANS
BE 0861.393.355
Oudsbergen · Eq €234,952
Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,791 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
Founded13-05-1997
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0460648248
Registered
17-01-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.