TIPS

Active

Public limited companyfounded 1967active for 59 yearsMarconistraat 3, 8400 Oostende, BelgiumKBO/BCE: BE 0406.823.245

Summary

TIPS has been active since 1967 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of -€147,405. Equity is shrinking by about 2.6% per year across the filed financial years. Its solvency ranks better than 65% of 322 sector peers (NACE 58, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisFollow Report Compare

TIPSActiveChecked score 82/100

Risk analysis Report Compare

Activity

Publishing activities

NACE 58120

2nd oldest company in West Flanders, Publishing and media sector1 site

Size

≈ €2.0mturnover 2025, estimated

Staff: 11 FTE
Equity: €1.2m
Loss: -€147,405

Turnover estimated from the gross margin

Financial health

82 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.4%

Structure

Largest shareholder: MACRIFI · 25%

HAECK Norbert LeonardDirector
HAECK Philip EtienneDirector

2025 accounts filed 27 days late1 of 3 deeds summarised

Why 82raises riskFigures for financial year 2025 (filed 28-11-2025)Loss of €147,405, the second in a row (financial year 2025)Liquidity: current ratio 2.49, cash €100,707lowers riskSector: Publishing activities (NACE 58)Show the evidence

Checked score

Score 2025

82 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 38% of its sector peers (NACE 58, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Weak

Solvency 85-14

equity 60.0% of total assets

Liquidity 38-16

short-term debt 39.0% · cash 4.9%

Profitability 10-1

return on assets -7.2%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (108 companies, NACE 58, small)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025lowest value 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.3%▲ +0.1 percentage points vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.4%▲ +0.1 percentage points vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025highest value 12-2025: 0.2%▼ -0.2 percentage points vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.4%▲ +0.1 percentage points vs 09-2026

Credit of up to €100,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.49, compared with 4.12 in 2023, above the usual 1.5; short-term debt: 39% and cash: 4.9% of total assets), and 40% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 58, small): better than 69% on solvency, 30% on liquidity and 14% on profitability.

The bankruptcy probability was computed on 27-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Figures for financial year 2025 (filed 28-11-2025)

NBB · annual accounts

Loss of €147,405, the second in a row (financial year 2025)

NBB · annual accounts

Liquidity: current ratio 2.49, cash €100,707

NBB · annual accounts

Sector: Publishing activities (NACE 58)

KBO

2025 accounts filed 27 days late

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

27 days late

2023

4 days early

2022

23 days late

2021

32 days late

2020

3 days early

2019

18 days late

2018

19 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 11 days after the deadline; the sector median (NACE 58) for financial year 2023 is 5 days before the deadline, and 40% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

27-11-2025 Annual accounts filedfinancial year 2025 · abbreviated…
31-03-2025 Weakest financial yearnet -€147,405
26-07-2024 Annual accounts filedfinancial year 2023 · abbreviated…

Key points

Risk: 3 loss-making years in a rowloss financial year 2025 -€147,405 View
Caution: Among the weakest 7% on net resultsector median €14,563 · 322 companies -€147,405 View
Active since 1967founded 01-10-1967 59 years View

By topic

Financials

Financial year: 2025
Total assets: €2.0m
Loss: -€147,405
Solvency: 60.0%

Total assets▲ 9.5%

Net result

20182025

Go to Financials

Board & ownership

Board: 2 members
Largest shareholder: MACRIFI · 25%

HAECK Norbert LeonardDirector
HAECK Philip EtienneDirector

Go to Board & ownership

Timeline

Events: 51
Since: 1978

28-05-2024Resignations: HAECK Norbert Leonard, DUMAREY Paula Maria…
22-08-2023Annual accounts filed
31-08-2022Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Publishing activitiesNACE 58120
Founded: 01-10-1967
Year ends: 31-03
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 14

Annual meeting: Last Wednesday of September at 14:00

Go to Articles of association

Key facts about TIPS

What is the company number of TIPS?: 0406.823.245. In Belgium the VAT number is the company number with BE in front: BE 0406.823.245.
Where is TIPS based?: The registered office is at Marconistraat 3, 8400 Oostende.Company details
What does TIPS do?: According to the KBO register, the main activity is publishing activities (NACE 58120).
What is the legal form of TIPS?: Public limited company (NV).
When was TIPS founded?: On 01-10-1967.
Is TIPS still active?: Yes, TIPS is an active enterprise in the KBO register.
How many employees does TIPS have?: On average 11 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of TIPS?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is TIPS profitable?: In financial year 2025, TIPS made a loss of €147,405.
Where can I find the annual accounts of TIPS?: TIPS filed 47 annual accounts with the National Bank of Belgium, the latest for financial year 2025.