TIP TOP CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of TIP TOP CONSTRUCT is 2.6% (moderate). The 2025 annual accounts show equity of €24,841 and a net result of €140. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 28051 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-31
Solvency91▼-1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.67 against 2.46 in 2024; short-term debt: 34.4% and cash: 1.5% of total assets), and 34.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.6%
Return on assets
0.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close26-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€24,841▲ 0.6%
2024 · €24,700
Total assets
€37,845▲ 2.6%
2024 · €36,900
Net result
€140▼ 98.9%
2024 · €12,740
Working capital
€21,768▲ 22.0%
2024 · €17,845
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
Line202320242025
Operating result€12,746-€16,490▲ 29.4%€1,905▼ 88.4%
Net result€9,961-€12,740▲ 27.9%€140▼ 98.9%
Equity€11,961-€24,700▲ 107%€24,841▲ 0.6%
Total assets€16,689-€36,900▲ 121%€37,845▲ 2.6%
Debt€4,728-€12,200▲ 158%€13,005▲ 6.6%
Working capital€1,323-€17,845▲ 1,249%€21,768▲ 22.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37,845
Fixed assets
€3,073 ▼ 55.2%
Current assets
€34,772 ▲ 15.7%
Equity and liabilities €37,845
Equity
€24,841 ▲ 0.6%
Debt
€13,005 ▲ 6.6%
Debt's share of the balance-sheet total rises from 33.1% to 34.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5,687▼
2024 · €20,272
Cash flow
€3,922▼
2024 · €16,522
Current ratio
2.67▲
2024 · 2.46
Debt to equity
0.52▲
2024 · 0.49
ROE
0.6%▼
2024 · 51.6%
ROA
0.4%▼
2024 · 34.5%
Interest coverage
29.91▼
2024 · 267.79
Debt ≤ 1 year
€13,005▲
2024 · €12,200
Income taxes
€2,281▼
2024 · €3,911
Staff costs
€342
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €342 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €709 | €3,782 | €3,782 | = |
| Other operating charges640/8 | €851 | €879 | €7,713 | ▲ 777% |
| Non-recurring operating charges66A | €72 | - | - | - |
| Gross operating margin9900 | €14,378 | €21,151 | €13,743 | ▼ 35.0% |
| Operating profit (loss)9901 | €12,746 | €16,490 | €1,905 | ▼ 88.4% |
| Financial income75/76B | €13 | €236 | €707 | ▲ 199% |
| Recurring financial income75 | €13 | €236 | €707 | ▲ 199% |
| Non-recurring financial income76B | - | €236 | €707 | ▲ 199% |
| Financial charges65/66B | €27 | €76 | €190 | ▲ 151% |
| Recurring financial charges65 | €27 | €76 | €190 | ▲ 151% |
| Non-recurring financial charges66B | - | €76 | €190 | ▲ 151% |
| Profit (loss) for the period before taxes9903 | €12,731 | €16,650 | €2,421 | ▼ 85.5% |
| Income taxes67/77 | €2,770 | €3,911 | €2,281 | ▼ 41.7% |
| Profit (loss) for the period9904 | €9,961 | €12,740 | €140 | ▼ 98.9% |
| Profit (loss) for the period to be appropriated9905 | €9,961 | €12,740 | €140 | ▼ 98.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €16,689 | €36,900 | €37,845 | ▲ 2.6% |
| Fixed assets21/28 | €10,637 | €6,855 | €3,073 | ▼ 55.2% |
| Tangible fixed assets22/27 | €10,637 | €6,855 | €3,073 | ▼ 55.2% |
| Furniture and vehicles24 | €10,637 | €6,855 | €3,073 | ▼ 55.2% |
| Current assets29/58 | €6,052 | €30,045 | €34,772 | ▲ 15.7% |
| Amounts receivable within one year40/41 | €1,741 | €16,027 | €23,370 | ▲ 45.8% |
| Trade receivables40 | €338 | €7,088 | €7,365 | ▲ 3.9% |
| Other amounts receivable41 | €1,403 | €8,939 | €16,005 | ▲ 79.0% |
| Cash at bank and in hand54/58 | €2,697 | €13,381 | €552 | ▼ 95.9% |
| Deferred charges and accrued income490/1 | €1,614 | €637 | €10,851 | ▲ 1,604% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €16,689 | €36,900 | €37,845 | ▲ 2.6% |
| Equity10/15 | €11,961 | €24,700 | €24,841 | ▲ 0.6% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €9,961 | €22,700 | €22,841 | ▲ 0.6% |
| Amounts payable17/49 | €4,728 | €12,200 | €13,005 | ▲ 6.6% |
| Amounts payable within one year42/48 | €4,728 | €12,200 | €13,005 | ▲ 6.6% |
| Trade debts44 | €1,958 | €5,618 | €10,539 | ▲ 87.6% |
| Suppliers440/4 | €1,958 | €5,618 | €10,539 | ▲ 87.6% |
| Taxes, remuneration and social security45 | €2,770 | €6,581 | €2,465 | ▼ 62.5% |
| Taxes450/3 | €2,770 | €6,581 | €2,465 | ▼ 62.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,961 | €12,740 | €140 | ▼ 98.9% |
| + Depreciation and write-downs630 | €709 | €3,782 | €3,782 | = |
| Operating cash flow (approximation) | €10,670 | €16,522 | €3,922 | ▼ 76.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €10,684 | -€12,830 | ▼ 220% |
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €140 ▼98.9%
Net result drops to €140, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2023net €12,740 ▲27.9%
Operating result €16,490, net result €12,740, both a record.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Denderleeuw · 1 establishment unit since 2021
Ground area
430 m²
Building footprint
97 m²
Volume, LiDAR
608 m³
Parcel 41076B0315/00L005, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TIP TOP CONSTRUCT
since 20212.325.184.624
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41076B0315/00L005 | Flanders | 430 m² | 1 · 97 m² | 11.2 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.
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Of 15,521 companies in sector 43990 we hold annual accounts for 7,416. 5,469 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
Founded12-12-2021
Fiscal year end31-03
Activities, NACEBEL 2025
43990Other specialised construction activities
43230Insulation installation
81210General cleaning of buildings
81230Other cleaning activities
Scores and ratios are computed by Checked and are not a credit decision.