Tio Construct
ActiveSummary
The computed 12-month bankruptcy probability of Tio Construct is 4.2% (elevated). The 2024 annual accounts show equity of €56,996 and a net result of €45,227. Equity has been growing by about 255% per year since 2022. Its solvency ranks better than 35% of 9,837 sector peers (NACE 41, financial year 2024). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-09-2021 Normal situation
- Registered office
- 89 active companies are registered at this address 22 started in the 12 months before. Source: KBO register, as of 2 November 2026.
- Activity
- General construction of residential buildings NACE 41001and 4 others
- Establishment unit
- 2.330.969.188 7090 Braine-le-Comte, since 30-09-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 13-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 4.2%
- Gross margin
- €58,396
- ▲ 138%
- Turnover
- ≈ €300,000
- estimated
- Profit
- €45,227
- ▲ 207%
- Equity
- €56,996
- ▲ 384%
- Total assets
- €201,883
- ▲ 302%
- Staff
- ≈ 0 FTE
- estimated
- 2025 accounts not filed, 94 days past the deadline
Score breakdownraises riskFigures for financial year 2024 (filed on 08-09-2025)1 financial year not filed after the legal deadline; last filed accounts filed 31 days late; 2 of the last 3 accounts lateFounded in 2021Sector: Construction of residential and non-residential buildings (NACE 41)Show the evidence
Checked score
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 35% of them on solvency, 37% on liquidity, 80% on profitability and 97% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 26 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (1)
Financials
Financials · financial year 2024, micro format
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 2 November 2026.
Annual accounts 2024 filed on 31-08-2025 PDF all 3 filings
2022 to 2024, 3 financial years
The operating result for 2024 is 133% higher than in 2023 and the highest since 2022. It is the second rise in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Construction of residential and non-residential buildings (NACE 41). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2022 | 2023 | 2024 |
|---|---|---|---|
| Tangible fixed assets | €11,000 | €7,300 | €21,600 |
| Financial fixed assets | - | €54 | - |
| Depreciation and write-downs of the year | €2,750 | €4,072 | €10,873 |
Source: notes to the 2022 to 2024 annual accounts (statement of fixed assets)
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Turnover70 | €42,388 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €42,194 | - | - | - |
| Remuneration, social security and pensions62 | - | - | €276 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,750 | €4,072 | €10,873 | ▲ 167% |
| Other operating charges640/8 | €161 | €1,044 | €1,949 | ▲ 86.7% |
| Non-recurring operating charges66A | €1,196 | - | - | - |
| Gross operating margin9900 | €194 | €24,567 | €58,396 | ▲ 138% |
| Operating profit (loss)9901 | -€3,913 | €19,451 | €45,297 | ▲ 133% |
| Financial income75/76B | - | €3 | - | - |
| Recurring financial income75 | - | €3 | - | - |
| Financial charges65/66B | €28 | €723 | €70 | ▼ 90.3% |
| Recurring financial charges65 | €28 | €723 | €70 | ▼ 90.3% |
| Profit (loss) for the period before taxes9903 | -€3,941 | €18,732 | €45,227 | ▲ 141% |
| Income taxes67/77 | - | €4,021 | - | - |
| Profit (loss) for the period9904 | -€3,941 | €14,710 | €45,227 | ▲ 207% |
| Profit (loss) for the period to be appropriated9905 | -€3,941 | €14,710 | €45,227 | ▲ 207% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €15,479 | €50,170 | €201,883 | ▲ 302% |
| Fixed assets21/28 | €8,250 | €11,532 | €22,413 | ▲ 94.4% |
| Tangible fixed assets22/27 | €8,250 | €11,478 | €22,204 | ▲ 93.5% |
| Furniture and vehicles24 | €8,250 | €11,478 | €22,204 | ▲ 93.5% |
| Financial fixed assets28 | - | €54 | €209 | ▲ 285% |
| Current assets29/58 | €7,229 | €38,638 | €179,470 | ▲ 364% |
| Amounts receivable within one year40/41 | €3,494 | €8,811 | €135,054 | ▲ 15× |
| Trade receivables40 | €1,998 | €6,164 | €130,905 | ▲ 21× |
| Other amounts receivable41 | €1,496 | €2,647 | €4,149 | ▲ 56.8% |
| Cash at bank and in hand54/58 | €3,489 | €28,921 | €43,510 | ▲ 50.4% |
| Deferred charges and accrued income490/1 | €246 | €906 | €906 | = |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €15,479 | €50,170 | €201,883 | ▲ 302% |
| Equity10/15 | -€2,941 | €11,769 | €56,996 | ▲ 384% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Capital10 | €1,000 | - | - | - |
| Issued capital100 | €1,000 | - | - | - |
| Contributions outside capital11 | - | €1,000 | - | - |
| Other1109/19 | - | €1,000 | - | - |
| Profit (loss) carried forward14 | -€3,941 | €10,769 | €55,996 | ▲ 420% |
| Amounts payable17/49 | €18,420 | €38,400 | €144,887 | ▲ 277% |
| Amounts payable after more than one year17 | - | - | €7,460 | - |
| Financial debts170/4 | - | - | €7,460 | - |
| Amounts payable within one year42/48 | €18,420 | €38,400 | €137,427 | ▲ 258% |
| Current portion of amounts payable after more than one year42 | - | €5,180 | €7,386 | ▲ 42.6% |
| Trade debts44 | €3,580 | €10,165 | €117,636 | ▲ 12× |
| Suppliers440/4 | €3,580 | €10,165 | €117,636 | ▲ 12× |
| Taxes, remuneration and social security45 | - | €5,882 | €4,341 | ▼ 26.2% |
| Taxes450/3 | - | €5,882 | €4,021 | ▼ 31.6% |
| Remuneration and social security454/9 | - | - | €320 | - |
| Other amounts payable47/48 | €14,840 | €17,172 | €8,064 | ▼ 53.0% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,941 | €14,710 | €45,227 | ▲ 207% |
| + Depreciation and write-downs630 | €2,750 | €4,072 | €10,873 | ▲ 167% |
| Operating cash flow (approximation) | -€1,191 | €18,783 | €56,100 | ▲ 199% |
| Investment in fixed assets (approximation) | - | -€7,354 | -€21,754 | ▼ 196% |
| Change in cash | - | €25,432 | €14,589 | ▼ 42.6% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 6,713 companies had the same profile as Tio Construct has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Tio Construct itself is higher: 4.2% within 12 months. It rests on far more data about Tio Construct than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for Tio Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- DE MORAIS ROSA ALINE to SAMYN, THOMAS 100 shares
- SAMYN THOMAS to DE MORAIS ROSA ALINE 100 shares
Show 2 older mentions
- Lehrbach Barbosa Jenyfer vennoot
- Lehrbach Barbosa Jhonatan William to Lehrbach Barbosa Jenyfer 50 shares
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| SAMYN Thomas |
|
| DE MORAIS ROSA ALINE |
|
| Jenyfer Lehrbach Barbosa |
|
| Jhonatan Lehrbach Barbosa |
|
Network & group
Tio Construct shares no director with another company.
Companies at the same address
88 other companies- NAXAN Registered office · since 2026 1044270326
- Nimasad Registered office · since 2026 1043990709
- TOITURE RANDY & FILS Registered office · since 2026 1043770280
- MCO GROUP Registered office · since 2026 1043650714
- DeClercq Toiture Registered office · since 2026 1042950334
- Moksia Group Registered office · since 2026 1043144532
- JLM CONSTRUCT Registered office · since 2026 1043009524
- YKB Santé Registered office · since 2026 1042301226
- FBCH SERVICES Registered office · since 2026 1041580357
- GREGOIRE, Sébastien (sole trader) Establishment · since 2026 1041294703
Connections & network
1 current directorThe network starts from the directors of Tio Construct. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
26-06
Gazette deed
Transfer of 100 sharesAppointment: SAMYN, THOMAS (director) · Resignation: DE MORAIS ROSA ALINE (director) · Shareholding7 points ▸
- General meeting, 11-06-2026
- Director appointment, SAMYN, THOMAS (director)
- Director resignation, DE MORAIS ROSA ALINE (director)
- Share transfer, DE MORAIS ROSA ALINE → SAMYN, THOMAS
- SAMYN, THOMAS holds 100% of the shares
- DE MORAIS ROSA ALINE is a shareholder
- Director in office, SAMYN, THOMAS (director)
28-04
Gazette deed
Transfer of 100 sharesAppointment: DE MORAIS ROSA ALINE (director) · Resignation: SAMYN THOMAS (director) · Shareholding7 points ▸
- General meeting, 01-04-2026
- Director appointment, DE MORAIS ROSA ALINE (director)
- Director resignation, SAMYN THOMAS (director)
- Share transfer, SAMYN THOMAS → DE MORAIS ROSA ALINE
- SAMYN THOMAS is a shareholder
- DE MORAIS ROSA ALINE holds 100% of the shares
- Director in office, DE MORAIS ROSA ALINE (director)
11-03
Gazette deed
Appointment: SAMYN Thomas (director)Resignations: Jenyfer Lehrbach Barbosa (director) and Jhonatan Lehrbach Barbosa (director) · Share transfer · Shareholding9 points ▸
- General meeting, 31-12-2024
- Director appointment, SAMYN Thomas (director)
- Director resignation, Jenyfer Lehrbach Barbosa (director)
- Director resignation, Jhonatan Lehrbach Barbosa (director)
- Share transfer, Jenyfer Lehrbach Barbosa → SAMYN Thomas
- Share transfer, Jhonatan Lehrbach Barbosa → SAMYN Thomas
- SAMYN Thomas holds 100 shares
- Jhonatan Lehrbach Barbosa is a shareholder
- Jenyfer Lehrbach Barbosa is a shareholder
12-02
Gazette deed
Registered office moved from Drogenbos to Strombeek-BeverDeclaration · Director in office5 points ▸
- General meeting, 01-12-2023
- Registered-office move, Romeinsesteenweg 464, bus 2 te 1853 Strombeek-Bever
- Other provision, “operationele en administratieve zetel, Tilleullaan 29, 7090 Ronquières” (deed in Dutch)
- Declaration, “geen activiteit op adres, Sterstraat 81 te 1620 Drogenbos” (deed in Dutch)
- Director in office, LEHRBACH BARBOSA Jhonatan William (director and executive)
07-12
Gazette deed
Transfer of 50 sharesAppointment: Lehrbach Barbosa Jenyfer (director) · Partner5 points ▸
- Share transfer, Lehrbach Barbosa Jhonatan William → Lehrbach Barbosa Jenyfer
- Other provision, “registratie overdracht in aandelenregister” (deed in Dutch)
- Partner, Lehrbach Barbosa Jenyfer
- Director appointment, Lehrbach Barbosa Jenyfer (director)
- Director in office, Lehrbach Barbosa Jhonatan William (director and executive)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Sterstraat 81, 1620 Drogenbos until 01-12-2023 · act of 12-02-2024
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0774.811.155
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23084A0514/00N002 | Flanders | 901 m² | 1 · 246 m² | 15.9 m · 4 |
| 55036B0296/00F000 | Wallonia | 103 m² | 1 · 56 m² | - |