TIPIC
ActiveTIPIC has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €21k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 30% of 7885 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+49
Solvency42▲+16
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.11 in 2024), and 75.7% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
24.3%
Return on assets
5%
Age of the figures
8 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
8 d early
2023
20 d early
2022
3 d early
2021
13 d early
2020
1 d early
2019
59 d early
← 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€104k▲ 25.8%
2024 · €82k
2018: €40k
2019: €47k
2020: €57k
2021: €71k
2022: €74k
2023: €74k
2024: €82k
2018 → 2025
Total assets
€427k▲ 0.3%
2024 · €425k
2018: €210k
2019: €233k
2020: €368k
2021: €575k
2022: €533k
2023: €467k
2024: €425k
2018 → 2025
Net result
€21k▲ 151%
2024 · €8k
2018: €-3k
2019: €7k
2020: €11k
2021: €14k
2022: €3k
2023: €95
2024: €8k
2018 → 2025
Working capital
€47k▲ 119%
2024 · €21k
2018: €27k
2019: €31k
2020: €50k
2021: €24k
2022: €18k
2023: €25k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€74k▲ 3.8%€74k▲ 0.1%€82k▲ 11.4%€104k▲ 25.8%
Operating result€26k-€14k▼ 48.2%€13k▼ 0.2%€22k▲ 66.7%€43k▲ 92.7%
Net result€14k-€3k▼ 79.9%€95▼ 96.5%€8k▲ 8,782%€21k▲ 151%
Turnover and EBIT margin not published: the abbreviated or 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 93% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €427k
Fixed assets
€191k▼ 5.6%
Current assets
€236k▲ 5.7%
Equity and liabilities €427k
Equity
€104k▲ 25.8%
Provisions
€6k
Debt
€317k▼ 7.5%
The debt ratio falls from 80.6% to 74.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€66k▲
2024 · €40k
Cash flow
€43k▲
2024 · €26k
Solvency
24.3%▲
2024 · 19.4%
Current ratio
1.25▲
2024 · 1.11
Quick ratio
1.12▲
2024 · 1.00
Debt / equity
3.06▼
2024 · 4.17
ROE
20.5%▲
2024 · 10.3%
ROA
5.0%▲
2024 · 2.0%
Interest coverage
9.30▲
2024 · 5.85
Debt
€317k▼
2024 · €343k
Debt ≤ 1 year
€189k▼
2024 · €202k
Debt > 1 year
€128k▼
2024 · €141k
Income taxes
€17k▲
2024 · €7k
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€425k€427k▲
Fixed assets21/28€202k€191k▼
Tangible fixed assets22/27€202k€191k▼
Land and buildings22€166k€156k▼
Plant, machinery and equipment23€19k€27k▲
Furniture and vehicles24€17k€8k▼
Current assets29/58€223k€236k▲
Stocks and contracts in progress3€21k€25k▲
Stocks30/36€21k€25k▲
Amounts receivable within one year40/41€59k€67k▲
Trade receivables40€59k€63k▲
Other amounts receivable41-€5k
Cash at bank and in hand54/58€141k€99k▼
Deferred charges and accrued income490/1€3k€45k▲
Equity and liabilities
Total equity and liabilities10/49€425k€427k▲
Equity10/15€82k€104k▲
Contributions10/11€27k€27k=
Outside capital11€27k€27k=
Other1109/19€27k€27k=
Reserves13€3k€77k▲
Distributable reserves133€3k€77k▲
Profit (loss) carried forward14€53k-
Provisions and deferred taxes16-€6k
Provisions for liabilities and charges160/5-€6k
Major repairs and maintenance162-€6k
Amounts payable17/49€343k€317k▼
Amounts payable after more than one year17€141k€128k▼
Financial debts170/4€141k€128k▼
Amounts payable within one year42/48€202k€189k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€12k€20k▲
Suppliers440/4€12k€20k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€50k€52k▲
Taxes450/3€50k€52k▲
Other amounts payable47/48€125k€103k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€22k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Provisions for liabilities and charges: additions (uses and reversals)635/8-€6k
Other operating charges640/8€3k€3k▼
Gross operating margin9900€43k€79k▲
Operating profit (loss)9901€22k€43k▲
Financial income75/76B€201€2k▲
Recurring financial income75€201€2k▲
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€16k€38k▲
Income taxes67/77€7k€17k▲
Profit (loss) for the period9904€8k€21k▲
Profit (loss) for the period to be appropriated9905€8k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€74k▲
Profit (loss) brought forward from the previous period14P€44k€53k▲
Transfer to equity691/2-€74k
To other reserves6921-€74k
The notes to these accounts (10 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €21k ▲151%
Operating result €43k, net result €21k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲25.8%
7 profitable years in a row build equity to €104k.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
under verification, last change in 2023
This board is reconstructed from a single act (24316038). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
SELS Guy
CurrentDirector · since 27-12-2023
SELS Jorn
CurrentDirector · since 27-12-2023
VERHAEGEN Elisabeth
CurrentDirector · since 27-12-2023
27-12-2023
SELS Guy: Appointed as Director
27-12-2023
SELS Jorn: Appointed as Director
27-12-2023
VERHAEGEN Elisabeth: Appointed as Director
27-12-2023
SELS Guy Maria Maurice: Resigned as Director
27-12-2023
SELS Jorn Francis Maria: Resigned as Director
27-12-2023
VERHAEGEN Elisabeth Rosalia Augusta: Resigned as Director
Not every act has been read: a resignation may be missing here
5 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Boechout · 2 establishment units since 2000
Ground area
2,146 m²
Building footprint
1,016 m²
Volume, LiDAR
978 m³
2 parcels, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Lange Kroonstraat 2, 2530 Boechout
since 20002.099.466.614
TIPIC
since 20052.182.902.648
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A1003/00Z000 | Flanders | 2,028 m² | 1 · 898 m² | 1.8 m |
| 11004D0124/00S000 | Flanders | 118 m² | 1 · 118 m² | 13.4 m · 3 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
APLI
BE 0898.833.672
Watermaal-Bosvoorde · Eq €104k
KRISTAL BELGIUM
BE 0474.576.359
Aalter · Eq €99k
PAPETERIES DE NAMUR
BE 0468.665.891
Namur · Eq €108k
GOZ PACK
BE 0766.690.572
Brussel · Eq €119k
FLEXIPACK
BE 0451.616.657
Asse · Eq €119k
Of 190 companies in sector 46493 we hold annual accounts for 83. 57 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2000
Fiscal year end31-12
Activities, NACEBEL
46493Wholesale trade
51475
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.