TIPS & PARTNER
ActiveSummary
The computed 12-month bankruptcy probability of TIPS & PARTNER is 1.7% (moderate). The 2025 annual accounts show equity of €3k and a net result of €6k. Equity is growing by ~51.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 13417 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability87▲+28
Solvency33▲+14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
8.3%
Return on assets
14.8%
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 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
4 d early
2022
4 d early
2021
10 d early
2020
31 d early
2019
30 d early
← before the deadline
after the deadline →
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 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k
2024 · €-3k
2019: €-11klowest in 7 years
2020: €-8k▲ +26.6% vs 2019
2021: €-3k▲ +58.8% vs 2020
2022: €-11k▼ -219% vs 2021
2023: €-4k▲ +66.1% vs 2022
2024: €-3k▲ +28.6% vs 2023
2025: €3k▲ +227% vs 2024highest in 7 years
2019 → 2025
Total assets
€40k▼ 7.0%
2024 · €43k
2019: €57khighest in 7 years
2020: €42k▼ -26.9% vs 2019
2021: €39k▼ -6.7% vs 2020
2022: €39k▼ -0.6% vs 2021
2023: €36k▼ -6.0% vs 2022lowest in 7 years
2024: €43k▲ +17.7% vs 2023
2025: €40k▼ -7.0% vs 2024
2019 → 2025
Net result
€6k▲ 467%
2024 · €1k
2019: €1k
2020: €3k▲ +106% vs 2019
2021: €5k▲ +61.9% vs 2020
2022: €-7k▼ -253% vs 2021lowest in 7 years
2023: €7k▲ +196% vs 2022highest in 7 years
2024: €1k▼ -85.3% vs 2023
2025: €6k▲ +467% vs 2024
2019 → 2025
Working capital
€16k▲ 11.5%
2024 · €14k
2019: €408
2020: €-87▼ -121% vs 2019lowest in 7 years
2021: €6k▲ +6561% vs 2020
2022: €7k▲ +19.9% vs 2021
2023: €20k▲ +198% vs 2022highest in 7 years
2024: €14k▼ -29.0% vs 2023
2025: €16k▲ +11.5% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€-11k▼ 219%€-4k▲ 66.1%€-3k▲ 28.6%€3k
2021: €-3k
2022: €-11k▼ -219% vs 2021lowest in 5 years
2023: €-4k▲ +66.1% vs 2022
2024: €-3k▲ +28.6% vs 2023
2025: €3k▲ +227% vs 2024highest in 5 years
Operating result€6k-€-6k€9k€2k▼ 74.9%€9k▲ 301%
2021: €6k
2022: €-6k▼ -210% vs 2021lowest in 5 years
2023: €9k▲ +252% vs 2022
2024: €2k▼ -74.9% vs 2023
2025: €9k▲ +301% vs 2024highest in 5 years
Net result€5k-€-7k€7k€1k▼ 85.3%€6k▲ 467%
2021: €5k
2022: €-7k▼ -253% vs 2021lowest in 5 years
2023: €7k▲ +196% vs 2022highest in 5 years
2024: €1k▼ -85.3% vs 2023
2025: €6k▲ +467% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 301% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€267 ▼ 69.6%
Current assets
€39k ▼ 5.7%
Equity and liabilities €40k
Equity
€3k
Debt
€36k
Debt finances 91.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€10k▲
2024 · €7k
Cash flow
€6k▲
2024 · €6k
Current ratio
1.67▲
2024 · 1.51
Quick ratio
1.52▲
2024 · 1.23
Debt to equity
11.06▲
2024 · -17.51
ROE
178.6%
ROA
14.8%▲
2024 · 2.4%
Interest coverage
10.36▲
2024 · 4.46
Debt ≤ 1 year
€24k▼
2024 · €28k
Debt > 1 year
€13k▼
2024 · €18k
Income taxes
€3k▲
2024 · €200
Staff costs
€47k▲
2024 · €45k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€43k€40k▼
Fixed assets21/28€877€267▼
Tangible fixed assets22/27€877€267▼
Plant, machinery and equipment23€343€0▼
Furniture and vehicles24€0-
Other tangible fixed assets26€534€267▼
Current assets29/58€42k€39k▼
Stocks and contracts in progress3€8k€3k▼
Stocks30/36€8k€3k▼
Amounts receivable within one year40/41€13k€8k▼
Trade receivables40€9k€8k▼
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€17k€15k▼
Deferred charges and accrued income490/1€4k€13k▲
Equity and liabilities
Total equity and liabilities10/49€43k€40k▼
Equity10/15€-3k€3k▲
Contributions10/11€19k€19k=
Reserves13€72€72=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€72€72=
Profit (loss) carried forward14€-21k€-15k▲
Amounts payable17/49€45k€36k▼
Amounts payable after more than one year17€18k€13k▼
Other amounts payable178/9€18k€13k▼
Amounts payable within one year42/48€28k€24k▼
Trade debts44€22k€10k▼
Suppliers440/4€22k€10k▼
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€0€4k▲
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3€194€342▲
Income statement
Code20242025
Remuneration, social security and pensions62€45k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€610▼
Other operating charges640/8€638€961▲
Gross operating margin9900€53k€58k▲
Operating profit (loss)9901€2k€9k▲
Financial income75/76B€549€1▼
Recurring financial income75€549€1▼
Financial charges65/66B€2k€965▼
Recurring financial charges65€2k€965▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€1k€8k▲
Income taxes67/77€200€3k▲
Profit (loss) for the period9904€1k€6k▲
Profit (loss) for the period to be appropriated9905€1k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-15k▲
Profit (loss) brought forward from the previous period14P€-22k€-21k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €32k | €44k | €45k | €47k | ▲ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €8k | €6k | €5k | €610 | ▼ 87.9% |
| Other operating charges640/8 | - | €229 | €184 | €638 | €961 | ▲ 50.5% |
| Gross operating margin9900 | €32k | €34k | €59k | €53k | €58k | ▲ 8.1% |
| Operating profit (loss)9901 | €6k | €-6k | €9k | €2k | €9k | ▲ 301% |
| Financial income75/76B | - | €229 | €559 | €549 | €1 | ▼ 99.9% |
| Recurring financial income75 | €326 | €229 | €559 | €549 | €1 | ▼ 99.9% |
| Financial charges65/66B | - | €1k | €3k | €2k | €965 | ▼ 41.5% |
| Recurring financial charges65 | €1k | €1k | €1k | €2k | €965 | ▼ 41.5% |
| Non-recurring financial charges66B | - | - | €1k | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €5k | €-7k | €7k | €1k | €8k | ▲ 580% |
| Income taxes67/77 | - | - | - | €200 | €3k | ▲ 1,170% |
| Profit (loss) for the period9904 | €5k | €-7k | €7k | €1k | €6k | ▲ 467% |
| Profit (loss) for the period to be appropriated9905 | €5k | €-7k | €7k | €1k | €6k | ▲ 467% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €39k | €39k | €36k | €43k | €40k | ▼ 7.0% |
| Fixed assets21/28 | €20k | €12k | €6k | €877 | €267 | ▼ 69.6% |
| Tangible fixed assets22/27 | €20k | €12k | €6k | €877 | €267 | ▼ 69.6% |
| Plant, machinery and equipment23 | - | €3k | €2k | €343 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €400 | €200 | €0 | - | - |
| Other tangible fixed assets26 | - | €8k | €4k | €534 | €267 | ▼ 50.0% |
| Current assets29/58 | €19k | €27k | €30k | €42k | €39k | ▼ 5.7% |
| Stocks and contracts in progress3 | €989 | €5k | €5k | €8k | €3k | ▼ 56.0% |
| Stocks30/36 | - | €5k | €5k | €8k | €3k | ▼ 56.0% |
| Amounts receivable within one year40/41 | €2k | €4k | €5k | €13k | €8k | ▼ 36.2% |
| Trade receivables40 | - | €4k | €5k | €9k | €8k | ▼ 12.2% |
| Other amounts receivable41 | - | €381 | €49 | €4k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €14k | €18k | €19k | €17k | €15k | ▼ 11.7% |
| Deferred charges and accrued income490/1 | - | €603 | €1k | €4k | €13k | ▲ 205% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €39k | €39k | €36k | €43k | €40k | ▼ 7.0% |
| Equity10/15 | €-3k | €-11k | €-4k | €-3k | €3k | ▲ 227% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €72 | €72 | €72 | €72 | €72 | = |
| Non-distributable reserves130/1 | - | €72 | €72 | €0 | - | - |
| Reserves not available under the articles1311 | - | €72 | €72 | €0 | - | - |
| Distributable reserves133 | - | - | - | €72 | €72 | = |
| Profit (loss) carried forward14 | €-22k | €-29k | €-22k | €-21k | €-15k | ▲ 27.7% |
| Amounts payable17/49 | €42k | €49k | €40k | €45k | €36k | ▼ 19.6% |
| Amounts payable after more than one year17 | €29k | €29k | €29k | €18k | €13k | ▼ 28.6% |
| Other amounts payable178/9 | - | €29k | €29k | €18k | €13k | ▼ 28.6% |
| Amounts payable within one year42/48 | €13k | €20k | €10k | €28k | €24k | ▼ 14.6% |
| Current portion of amounts payable after more than one year42 | - | €0 | - | - | - | - |
| Trade debts44 | €7k | €11k | €6k | €22k | €10k | ▼ 54.4% |
| Suppliers440/4 | - | €11k | €6k | €22k | €10k | ▼ 54.4% |
| Taxes, remuneration and social security45 | - | €3k | €3k | €4k | €10k | ▲ 161% |
| Taxes450/3 | - | €0 | €540 | €0 | €4k | - |
| Remuneration and social security454/9 | - | €3k | €3k | €4k | €6k | ▲ 66.0% |
| Other amounts payable47/48 | - | €7k | €1k | €2k | €4k | ▲ 88.1% |
| Accrued charges and deferred income492/3 | - | - | €581 | €194 | €342 | ▲ 76.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €-7k | €7k | €1k | €6k | ▲ 467% |
| + Depreciation and write-downs630 | €9k | €8k | €6k | €5k | €610 | ▼ 87.9% |
| Operating cash flow (approximation) | €13k | €1k | €13k | €6k | €6k | ▲ 7.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €4k | €1k | €-2k | €-2k | ▲ 18.1% |
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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-03
Financial
Liquidity doublescurrent ratio 2.94
Current ratio from 1.33 to 2.94; short-term debt falls from €20k to €10k.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
03-10
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 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Lommel · 1 establishment unit since 2012
Ground area
1,128 m²
Building footprint
285 m²
Volume, LiDAR
1,868 m³
Parcel 72020C0807/00H000, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
2 FOR 1
since 20122.205.443.765
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0807/00H000 | Flanders | 1,128 m² | 1 · 285 m² | 12.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLommel2.205.443.765
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 4,171 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
Founded01-09-2011
Fiscal year end31-03
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.