Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Tio Construct is 2.3% (moderate). The 2024 annual accounts show equity of €57k and a net result of €45k. Equity is growing by ~254.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 3827 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 31-08-2025 | 31 d late | 2025-00485910 |
| 31-12-2023 | 31-07-2024 | 14-03-2024 | 139 d early | 2024-00043553 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00438359 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.3%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€42k
EBIT margin-9.2%
Net result€45k+207.4%
Working capital€42k+17609.2%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~254.6%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 28.2% | 39.4% | |
| Net result | €45k | €9k | |
| Equity | €57k | €29k | |
| Gross operating margin | €58k | €26k | |
| Staff costs | €276 | €16k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P37
Improving position over 2022-2024
· n=2230-3827
P87
Improving position over 2022-2024
· n=2224-3824
P72
Improving position over 2022-2024
· n=2235-3832
P74
Improving position over 2022-2024
· n=2218-3822
Describes the position versus peers, not a forecast.
€42k
-
22-24
€56k
+138.8%
22-24
€45k
+207.4%
22-24
€56k
+198.7%
22-24
€202k
+302.4%
22-24
€57k
+384.3%
22-24
€42k
+17609.2%
22-24
€276
-
22-24
€4k
-
22-24
€145k
+277.3%
22-24
€137k
+257.9%
22-24
€7k
-
22-24
1.31
+29.8%
22-24
1.31
+29.8%
22-24
28.2%
+20.3%
22-24
2.54
-22.1%
22-24
79.4%
-36.5%
22-24
22.4%
-23.6%
22-24
-9.3%
-
22-24
-2.7%
-
22-24
797.88
+2351.9%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €56k |
| Net profit | €45k |
| Cash flow | €56k |
| Staff costs | €276 |
| Income taxes | - |
| Dividends | - |
| Total assets | €202k |
| Equity | €57k |
| Debt | €145k |
| of which ≤ 1y | €137k |
| of which > 1y | €7k |
| Working capital | €42k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.31 |
| Quick ratio | 1.31 |
| Working capital ratio | 20.8% |
| Solvency | 28.2% |
| Debt / equity | 2.54 |
| Long-term debt ratio | 0.13 |
| Interest coverage | 797.88 |
| Gross margin | - |
| Net margin | - |
| ROA | 22.4% |
| ROE | 79.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €202k |
| Fixed assets | 21/28 | €22k |
| Tangible fixed assets | 22/27 | €22k |
| Financial fixed assets | 28 | €209 |
| Current assets | 29/58 | €179k |
| Amounts receivable within one year | 40/41 | €135k |
| Cash & bank | 54/58 | €44k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €202k |
| Equity | 10/15 | €57k |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €56k |
| Amounts payable | 17/49 | €145k |
| Amounts payable after one year | 17 | €7k |
| Amounts payable within one year | 42/48 | €137k |
| Trade debts payable within one year | 44 | €118k |
| Income statement | ||
| Gross operating margin | 9900 | €58k |
| Operating result | 9901 | €45k |
| Financial charges | 65 | €70 |
| Result before taxes | 9903 | €45k |
| Net result for the period | 9904 | €45k |
| Result to be appropriated | 9905 | €45k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
3 directorsCurrent directors & mandates
-
Current31-12-2024 → present
Former directors (2)
-
Former07-12-2023 → 31-12-2024
2 events
- 31-12-2024 Resigned· Director
- 07-12-2023 Appointed· Director
-
Former- → 31-12-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 30-09-2021 |
| Status | Active |
| Postal code | 1853 |
Structure & network
Connections & network
11 connected companiesNetwork connections
Shared address
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Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Romeinsesteenweg 4641853 GrimbergenEstablishment units
1 locationTio Construct
since 20212.330.969.188
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,004 m²
Buildings2
Building footprint303 m²
Volume (LiDAR)3,050 m³
Tallest building15.9 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0514/00N002 | Flanders | 901 m² | 1 · 246 m² | 15.9 m · 4 fl. |
| 55036B0296/00F000 | Wallonia | 103 m² | 1 · 56 m² | - |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Capital history · 1
07-12-2023
v3.2
Address history · 1
12-02-2024
v3.2
All acts · 5
updated 3 months ago
2026
28-04-2026 Act object · General meeting · Officer appointment · Officer resignation
- Filing: 2026-04-21 · Tio Construct
- Publication: 2026-04-28 · Tio Construct
- Act object: ONTSLAG BESTUURDER BENOEMING BESTUURDER OVERDRACHT VAN AANDELEN · Tio Construct
- General meeting: 2026-04-01 · Tio Construct
- Officer appointment: date: 2026-04-01, role: bestuurder · DE MORAIS ROSA ALINE
- Officer resignation: date: 2026-04-01, role: bestuurder · SAMYN THOMAS
- Share transfer: date: 2026-04-01, shares: 100 · SAMYN THOMAS
- Share distribution: e2: 100%, e3: 0% · Tio Construct
- Accounting effect: 2026-04-01 · Tio Construct
Summary:
Act object · General meeting · Officer appointment · Officer resignation
2025
11-03-2025 1 director appointed, 2 resigning
- SAMYN Thomas, Bestuurder
- Jenyfer Lehrbach Barbosa, Bestuurder
- Jhonatan Lehrbach Barbosa, Bestuurder
Summary:
v3.2
2024
12-02-2024 Registered office moved from Drogenbos to Strombeek-Bever
- Sterstraat 81, 1620 Drogenbos → Romeinsesteenweg 464, 1853 Strombeek-Bever
Summary:
v3.2
2023
07-12-2023 Transaction in capital or shares
Summary:
v3.2
2021
04-10-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes82
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
100
Solvency
51
Growth
78
Stability
94
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verdict per customer and amountSimilar
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We hold annual accounts for 5,317 of the 29,570 companies in this sector. 4,632 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Stukadoorswerk43310Stukadoorswerk43310Schrijnwerk43320Schrijnwerk43320Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220
Primary activity highlighted.
Names & trade names
| Legal nameNL | Tio Construct |
Registered office
Romeinsesteenweg 464 bus 2
1853 Grimbergen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.