TIP-TOP PNEU
ActiveThe computed 12-month bankruptcy probability of TIP-TOP PNEU is 1.7% (moderate). The 2025 annual accounts show equity of €153k and a net result of €45k. Equity is growing by ~54.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 2538 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency88▼-7
Growth78=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 3.16 in 2024; short-term debt: 31.2% and cash: 20.9% of total assets), and 36.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.2%
Return on assets
18.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
61 d late
2022
69 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45k▲ 15.7%
2024 · €39k
2022: €33k
2023: €25k
2024: €39k
2022 → 2025
Working capital
€107k▲ 7.7%
2024 · €100k
2022: €27k
2023: €56k
2024: €100k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€43k-€68k▲ 57.1%€108k▲ 57.7%€153k▲ 42.3%
Operating result€43k-€32k▼ 24.4%€51k▲ 57.5%€67k▲ 32.5%
Net result€33k-€25k▼ 25.8%€39k▲ 58.7%€45k▲ 15.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€60k▲ 643%
Current assets
€183k▲ 25.4%
Equity and liabilities €242k
Equity
€153k▲ 42.3%
Debt
€89k▲ 93.5%
The debt ratio rises from 30.0% to 36.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€77k▲
2024 · €55k
Cash flow
€55k▲
2024 · €43k
Solvency
63.2%▼
2024 · 70.0%
Current ratio
2.42▼
2024 · 3.16
Quick ratio
1.12▼
2024 · 2.51
Debt / equity
0.58▲
2024 · 0.43
ROE
29.7%▼
2024 · 36.6%
ROA
18.8%▼
2024 · 25.6%
Interest coverage
40.31▲
2024 · 36.54
Debt
€89k▲
2024 · €46k
Debt ≤ 1 year
€76k▲
2024 · €46k
Debt > 1 year
€12k
Income taxes
€20k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€154k€242k▲
Fixed assets21/28€8k€60k▲
Tangible fixed assets22/27€8k€52k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€8k€45k▲
Other tangible fixed assets26-€4k
Financial fixed assets28-€8k
Current assets29/58€146k€183k▲
Amounts receivable after more than one year29-€30k
Other amounts receivable291-€30k
Stocks and contracts in progress3€30k€98k▲
Stocks30/36€30k€98k▲
Amounts receivable within one year40/41€35k€538▼
Trade receivables40€2k-
Other amounts receivable41€33k€538▼
Cash at bank and in hand54/58€79k€51k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€154k€242k▲
Equity10/15€108k€153k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€98k€143k▲
Amounts payable17/49€46k€89k▲
Amounts payable after more than one year17-€12k
Financial debts170/4-€12k
Amounts payable within one year42/48€46k€76k▲
Current portion of amounts payable after more than one year42-€15k
Trade debts44€19k€27k▲
Suppliers440/4€19k€27k▲
Taxes, remuneration and social security45€9k€15k▲
Taxes450/3€9k€15k▲
Other amounts payable47/48€19k€18k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€370€5k▲
Gross operating margin9900€55k€81k▲
Operating profit (loss)9901€51k€67k▲
Financial income75/76B€0€140▲
Recurring financial income75€0€140▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€49k€66k▲
Income taxes67/77€10k€20k▲
Profit (loss) for the period9904€39k€45k▲
Profit (loss) for the period to be appropriated9905€39k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€143k▲
Profit (loss) brought forward from the previous period14P€58k€98k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €45k ▲15.7%
Operating result €67k, net result €45k, both a record.
31-12
Financial
Equity above €150kEq €153k ▲42.3%
4 profitable years in a row build equity to €153k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 69 days late
2024
31-12
Financial
Equity above €100kEq €108k ▲57.7%
3 profitable years in a row build equity to €108k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €25k ▼25.8%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 69 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Vorst · 1 establishment unit since 2022
Cannot 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.
Brits Tweede Legerlaan 4741190 VorstGround area
814 m²
Building footprint
772 m²
Volume, LiDAR
5,595 m³
Parcel 21383B0020/00E061, Brussels · tallest building 16.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TIP-TOP PNEU
since 20222.332.255.330
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0020/00E061 | Brussels | 813 m² | 1 · 772 m² | 16.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MC AUTO PNEUS
BE 0452.513.215
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LABRUM
BE 0808.918.731
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Banden Tytgat
BE 0780.543.657
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ANNE BANDENCENTRALE
BE 0843.051.447
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MG PNEU
BE 0777.681.266
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Of 1,000 companies in sector 95315 we hold annual accounts for 427. 333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2022
Fiscal year end31-12
Activities, NACEBEL
95315Tyre services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.pneus-occasions-online.be