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TIPS & PARTNER

Active Private limited companyfounded 2011active for 15 yearsVreyshorring 241, 3920 LommelKBO/BCE: BE 0839.021.492

Overview

Lifetime

14 annual accounts with figures on one time axis
peak €58,886 (2023)
€47,709▼ 17.2%
lowest -€28,653 (2016)
€1,048▼ 82.2%
peak €14,786 (2015)
€4,342▲ 31.8%
€44,094▲ 21.0%
peak 4 FTE (2020)
-not published
Board2 names since 2016
2 directors and 1 other
Documentsfilings and deeds
20-10-202611 days before the deadline
2026micro format
Gross margin from €57,619 to €47,709Result from €5,883 to €1,048Equity from €3,295 to €4,342Debts from €36,432 to €44,094Investments €18,115Cash from €14,810 to €10,351

Key points

from the 2026 annual accounts

Equity

€4,342 ▲ 31.8%

TIPS & PARTNER has made a profit without a break since 2023.

Turnover

≈ €250,000 estimated

The micro format states no turnover.

Debts

€44,094 91% of the balance sheet
Suppliers 57%Taxes and wages 1%Other 42%

Of this, €26,594 falls due within a year.

Investments

€18,115 9.9 × depreciation

Green is investment, beige is depreciation.

Staff

3 FTE from 6.6 in 2023

Between 2023 and 2026, 55% of the full-time equivalents disappeared.

Filings

14 annual accounts since 2013
deadline201520202025

The last five annual accounts were filed 0 to 11 days before the end of the period.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 1,375 companies had the same profile as TIPS & PARTNER has now. Each dot stands for 4 companies, two years later.

95.9%
were still trading
1.6%
stopped another way
2.2%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet

Another 0.4% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 2.9% 3.1%
10 5.6% 6.1%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 1,375 companies, not a prediction for TIPS & PARTNER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0839021492
1 director appointed, 1 manager resigning, 1 reappointment Resignation: (manager) · Reappointment: · Appointment: · General meeting of 16-10-2023 · Gazette deed
Appointment: (manager) General meeting of 15-12-2015 · Gazette deed
First establishment 2 FOR 1, Vreyshorring 241, Lommel
All 25 events

Comparable companies

same main activity, similar in size and age
Company
TIPS & PARTNER Lommel €48,436 €47,709 9.0% -
SAINT MARIA Pelt €51,884 €43,540 53.3% -
La Hestre Ice Cream Charleroi €48,769 €48,200 -93.6% -
GOLDEN ICE Watermael-Boitsfort €49,023 €53,604 31.2% -
Nelke Leuven €48,034 €41,755 72.2% -
MOMMY & ME Ledegem €47,943 €56,316 9.5% -
SHAHINEZE Forest €51,564 €55,722 63.3% -

These companies have the same main activity as TIPS & PARTNER: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €47,900 and €51,900, founded between 2010 and 2013.

Official details

Source: KBO
Status
Active since 01-09-2011Normal situation
Activity
Limited-service restaurants, excluding mobile food servicesNACE 56112
Joint committee
302Hotels and catering · annual accounts 31-03-2023
Establishment unit
2.205.443.7653920 Lommel, since 15-01-2012
Financial year end
31 March
Peppol
Reachable since 24-10-2025
Company details

Annual accounts to 31-03-2026

€47,709▼ 17.2%
€1,048▼ 82.2%
€4,342▲ 31.8%
€48,436▲ 21.9%
Employeeson 31-03-2026
2▼ 50.0%
Filing
Filed on 20-10-2026, 11 days before the end of the filing period
Financials

Insights on TIPS & PARTNER

TIPS & PARTNER files the micro format. That format states no turnover. The gross margin rose from -€1,250 in 2013 to €47,709 in 2026.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2026

micro format, filed on 20-10-2026, 11 days before the deadline
€47,709
▼ 17.2%
€2,216
▼ 76.4%
€1,048
▼ 82.2%
€5,287
▼ 66.7%
9.0%
▲ 0.7 percentage points
1.20
▼ 0.47

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €250,000. Estimated: probably between €200,000 and €350,000.

Balance sheet

balance sheet total €48,436 on 31-03-2026
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

9.0%

Higher than 32% of 18,509 companies in 2025.

1.20

Higher than 66% of 17,864 companies in 2025.

2.2%

Higher than 73% of 17,961 companies in 2025.

TIPS & PARTNER Middle half of the sector 80% of the sector Micro accounts in food and beverage service (NACE 56)

Staff

€14,214

Staff costs divided by the average number of full-time equivalents.

10 hours per contract

contracts started contracts ended

In 2026, 169 short contracts started and 170 ended, on average 10 hours worked per contract. Staff averaged 3 full-time equivalents.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20262025202420232022202120202019201820172016201520142013
Balance sheet: assets
20/58 48,43639,72742,73936,29938,59638,84041,63856,94062,23269,18654,36033,1356,3096,200
21/28 16,5552678775,90311,57920,02824,30433,99541,28548,48440,58427,472--
22/27 16,5552678775,90311,57920,02824,30433,99541,28548,48440,58427,472--
23 5,25703431,5143,3355,3822,4625,5767,87410,89411,959---
24 --02004003,1476,6899,61010,94713,8741,520---
26 11,2982675344,1897,84411,49915,154-------
29/58 31,88139,46041,86130,39727,01718,81317,33422,94620,94720,70213,7765,6636,3096,200
3 2,8553,4897,9384,9354,5839894,0552,840------
30/36 2,8553,4897,9384,9354,5839894,0552,840------
40/41 12,5338,23912,9125,1864,1472,4238,6884,9891191,30910,1233,7901526,200
40 9,8408,2399,3855,1373,7661,1638,1534,872119648542---
41 2,69303,526493811,260534117-6629,5823,7901526,200
50/53 --------1,2701,2701,2701,2706,157-
54/58 10,35114,81016,77319,16917,68413,7163,87713,85019,12517,5732,382603--
490/1 6,14212,9224,2391,1076031,6847141,266434549----
Balance sheet: equity and liabilities
10/49 48,43639,72742,73936,29938,59638,84041,63856,94062,23269,18654,36033,1356,3096,200
10/15 4,3423,295-2,588-3,627-10,683-3,353-8,140-11,097-12,529-19,236-13,86714,7865,0434,950
10/11 18,60018,60018,60018,60018,60018,600-18,60018,60018,60018,60018,6006,2006,200
100 -------18,60018,60018,60018,60018,60018,60018,600
101 ------------12,40012,400
11 ------18,600-------
1100/10 ------18,600-------
13 072727272727272------
130/1 --072727272-------
130 -------72------
1311 --0727272--------
1319 ------72-------
133 07272-----------
14 -14,258-15,377-21,260-22,298-29,354-22,025-26,811-29,768-31,129-37,836-32,467-3,814-1,157-1,250
17/49 44,09436,43245,32739,92649,27942,19449,77868,03774,76188,42268,22718,3501,2661,250
17 17,50012,50017,50029,00029,00029,00032,35745,4998,64211,784----
170/4 -----02,3575,4998,64211,784----
178/9 17,50012,50017,50029,00029,00029,00030,00040,000------
42/48 26,59423,59027,63310,34520,27913,19417,42122,53866,12076,63868,22718,3501,2661,250
42 ----02,3573,1423,1423,1423,142----
43 ------------0-
430/8 ------------0-
44 25,0669,98121,8945,61410,5227,3037,03114,4898,8289,3324,966944--
440/4 25,0669,98121,8945,61410,5227,3037,03114,4898,8289,3324,966944--
45 62710,0553,8503,4682,7152,7423,4342,9632,611940670---
450/3 403,66605400324242819-----
454/9 5876,3893,8502,9282,7152,7103,3922,9211,793940670---
47/48 9013,5541,8891,2637,0427933,8131,94351,53863,22462,59017,4051,2661,250
492/3 0342194581----------
Income statement
9900 47,70957,61953,28258,88634,16831,65352,65344,01842,94819,762-13,581-1,708--1,250
62 42,64146,65845,27943,71531,63317,06638,25028,42522,96413,2437,309---
630 1,8266105,0255,6768,4498,62611,50111,28510,73010,2377,039---
640/8 1,0269616381842293981001,2001,7221,2678731,063--
9901 2,2169,3902,3399,311-6,1435,5632,8023,1087,532-4,985-28,802-2,770--1,250
75/76B 252154955922932641101524253115109-
75 252154955922932641101524253115109-
65/66B 1,4219651,6502,8141,4161,1022561,67582690810410-
65 1,4219651,6501,4991,4161,1022561,67582690810410-
66B --01,315----------
9903 1,0488,4251,2387,056-7,3294,7862,9571,4326,706-5,369-28,653-2,657109-1,250
67/77 02,542200-------0016-
9904 1,0485,8831,0387,056-7,3294,7862,9571,4326,706-5,369-28,653-2,65793-1,250
9905 1,0485,8831,0387,056-7,3294,7862,9571,4326,706-5,369-28,653-2,65793-1,250
Appropriation of the result
9906 -14,329-15,377-21,260-22,298-29,354-22,025-26,811-29,697-31,129-37,836-32,467-3,814-1,157-1,250
14P -15,377-21,260-22,298-29,354-22,025---------
791/2 72-------------
691/2 -------72------
6920 -------72------
Social balance sheet
9087 33.95.46.64.83.543.90.70.40.2---
Hours worked1013 1,7202,3572,7542,5371,8319922,4481,9021,187685365---
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2026 at the NBB, filed on 20-10-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-03-2026 micro format 20-10-2026 2026-00563905 PDF
31-03-2025 micro format 31-10-2025 2025-00557324 PDF
31-03-2024 micro format 31-10-2024 2024-00522356 PDF
31-03-2023 micro format 27-10-2023 2023-00493855 PDF
31-03-2022 micro format 27-10-2022 2022-20473629 PDF
31-03-2021 micro format 21-10-2021 2021-72300562 PDF
31-03-2020 micro format 30-09-2020 2020-56700239 PDF
31-03-2019 micro format 01-10-2019 2019-67100082 PDF
31-03-2018 micro format 31-10-2018 2018-71700244 PDF
31-03-2017 micro format 30-10-2017 2017-69100474 PDF
31-03-2016 abbreviated format 03-10-2016 2016-64000341 PDF
31-03-2015 abbreviated format 07-10-2015 2015-64300205 PDF
31-03-2014 abbreviated format 27-11-2014 2014-68200254 PDF
31-03-2013 abbreviated format 07-11-2013 2013-65700268 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20262025202420232022202120202019201820172016201520142013
4,04210,0007,36514,9872,30614,18814,30314,39318,2625,253-21,763---
2,8746,4936,06412,7321,11913,41214,45812,71817,4364,869-21,614---
18,11500004,3491,8103,9953,53118,13820,15127,472--
-4,458-1,963-2,3961,4853,9689,839-9,973-5,2751,55115,1911,779---
5,28715,87014,22920,0526,7395,619-87408-45,173-55,936-54,451-12,6865,0434,950
9.0%8.3%-6.1%-10.0%-27.7%-8.6%-19.5%-19.5%-20.1%-27.8%-25.5%44.6%79.9%79.8%
1.201.671.512.941.331.431.001.020.320.270.200.314.984.96
1.091.521.232.461.111.350.760.890.320.270.200.314.984.96
10.1511.06---------1.240.250.25
24.1%178.6%----------18.0%1.8%-25.3%
2.2%14.8%2.4%19.4%-19.0%12.3%7.1%2.5%10.8%-7.8%-52.7%-8.0%1.5%-20.2%
2.8510.364.4610.001.63---------

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-03-202631-03-202531-03-202431-03-202331-03-2022
Employees at the balance-sheet date24488
full-time01023
part-time23465
in full-time equivalents1.232.75.86.1
2.33.95.45.83.8
On a permanent contract23377
Joined169312362341212
Left170311365340207
Training hours--00-

Source: social balance sheet in the 2022 to 2026 annual accounts

Investments

fixed assets acquired
Item31-03-202631-03-202531-03-202431-03-202331-03-2022
Tangible fixed assets€18,115----
€1,826€610€5,025€5,676€8,449

Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)

Insights on TIPS & PARTNER

The operating result for 2026 is 76% lower than in 2025 and the lowest since 2022.

Debt's share of the balance-sheet total falls from 91.7% to 91.0%. Equity and debt are higher.

Board & ownership

Board

2 directors, last change in 2023
Director
appointed by deed of 27-10-2023 term without a fixed end
listed in the 2026 annual accounts, filed on 20-10-2026
Director
appointed by deed of 31-05-2016
listed in the 2026 annual accounts, filed on 20-10-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“bestuursorgaan. De bestuurders kunnen de uitoefening van een deel van hun bevoegdheid ten titel van bijzondere volmacht opdragen aan een…”
deed of 27-10-2023

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today

Director

Director
BoardEarliermandate already running before its first mention
Mandates as a list
    • Manager, appointed by deed of 31-05-2016, until 27-10-2023
    • Director, since before 27-10-2023
    • Director, appointed by deed of 27-10-2023, still in office

See the board, name and registered office on a given date →

Control

Capital

Contribution
€18,600
Source
2026 annual accounts

Articles of association

deed of 27-10-2023 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
“Mandaat behalve statutaire bestuurder(s)kan op elk ogenblik worden beëindigd door algemene vergadering”

Network & group

No group

TIPS & PARTNER has no parent and no holdings in its annual accounts. TIPS & PARTNER shares no director with another company.

At the same address

Vreyshorring 241, 3920 Lommel · 1 other company
Mertens, Valerie (sole trader)
establishment since 01-10-2026
founded in 2026
1041.790.094

Timeline

Timeline

25 events since 2011

Deadline for the 2027 accounts: 31-10-2027

2026
Annual accounts 2026 filed NBBmicro format · 11 days before the deadline
2025
Annual accounts 2025 filed PDFmicro format · on the deadline day
Registered in the Peppol Directory Reachable for e-invoices through 0208:0839021492
2024
Annual accounts 2024 filed PDFmicro format · on the deadline day
2023
1 director appointed, 1 manager resigning, 1 reappointmentResignation: (manager) · Reappointment: · Appointment: · General meeting of 16-10-20237 points ▸
  • General meeting, 16-10-2023
  • 100 shares
  • Registered office clause, Vreyshorring 241
  • Director resignation, (manager)
  • Director discharge,
  • Director reappointment,
  • Director appointment,
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2023 filed PDFmicro format · 4 days before the deadline
Back to profit net €7,056 The net result is €7,056, after one loss-making year.
Liquidity more than doubled current ratio 2.94 The current ratio rises from 1.33 to 2.94. Short-term debt falls from €20,279 to €10,345.
2022
Annual accounts 2022 filed PDFmicro format · 4 days before the deadline
2021
Annual accounts 2021 filed PDFmicro format · 10 days before the deadline
2020
Annual accounts 2020 filed PDFmicro format · 31 days before the deadline
2019
Annual accounts 2019 filed PDFmicro format · 30 days before the deadline
Liquidity more than triples current ratio 1.02 The current ratio rises from 0.32 to 1.02. Short-term debt falls from €66,120 to €22,538.
2018
Annual accounts 2018 filed PDFmicro format · on the deadline day
Back to profit net €6,706 The net result is €6,706, after 3 loss-making years.
2017
Annual accounts 2017 filed PDFmicro format · 1 day before the deadline
2016
Annual accounts 2016 filed PDFabbreviated format · 28 days before the deadline
Appointment: (manager)General meeting of 15-12-20152 points ▸
  • General meeting, 15-12-2015
  • Director appointment, (manager)

Open the deed in the Belgian Official Gazette

Weakest financial year net -€28,653 The net result drops to -€28,653, the lowest from 2013 to 2026. It recovers the following year.
2015
Annual accounts 2015 filed PDFabbreviated format · 24 days before the deadline
2014
Annual accounts 2014 filed PDFabbreviated format · 27 days late
Back to profit net €93 The net result is €93, after one loss-making year.
2013
Annual accounts 2013 filed PDFabbreviated format · 7 days late
2012
First establishment 2 FOR 1, Vreyshorring 241, Lommel
2011
Incorporation PDFpublished on 15-09-2011

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 1 September 2011, TIPS & PARTNER was incorporated.1 Total assets went from €56,940 in 2019 to €48,436 in 2026 and headcount from 3.9 to 3 full-time equivalents.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019 and 2026

Company details

Identity

Enterprise number
0839.021.492
VAT number
BE 0839.021.492
Peppol ID
0208:0839021492
Other Peppol ID
9925:BE0839021492
Legal form
Private limited company
Status
Active, normal situation
Founded
01-09-2011
Financial year
ends on 31 March
Peppol
Reachable since 24-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
TIPS & PARTNER in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 27-10-2023 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 27-10-2023 (in Dutch)

Activities

NACEBEL 2025
VAT activities
Social security (RSZ) activities
Joint committees annual accounts 31-03-2023
JC 302 Hotels and catering
Codes under NACEBEL 2008
VAT activities
56102 Limited-service restaurants main activity
Social security (RSZ) activities
56102 Limited-service restaurants main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het uitbaten van drank- en eetgelegenheden,zoals cafés,brasseries,tavernen,restaurants,broodjesbars,hotels,bed- en breakfast,discotheken en…”
10 activities
  1. Het uitbaten van drank- en eetgelegenheden,zoals cafés,brasseries,tavernen,restaurants,broodjesbars,hotels,bed- en breakfast,discotheken en andere dansgelegenheden,en alle mogelijke andere horecazaken en dit zowel met een vaste inrichting als een verplaatsbare of onder de vorm van leurhandel.
  2. De vennootschap mag tevens alle verrichtingen van commerciële,industriële,onroerende,roerende of financiële aard stellen die rechtstreeks of onrechtstreeks met haar voorwerp verwant of verknocht zijn of de verwezenlijking ervan kunnen bevorderen.
  3. Zij mag betrokken zijn bij wijze van inbreng,samensmelting,inschrijving of op elke andere wijze,in de ondernemingen,verenigingen of vennootschappen die een gelijkaardig,soortgelijk of samenhangend doel hebben of die nuttig zijn voor de verwezenlijking van het geheel of een gedeelte van haar voorwerp.
  4. Bovenvermelde opsomming is niet beperkend,zodat de vennootschap alle handelingen kan stellen die op welke wijze ook kunnen bijdragen tot de verwezenlijking van haar voorwerp.
  5. De vennootschap mag haar voorwerp verwezenlijken zowel in België als in het buitenland,op alle wijzen en manieren die zij het best geschikt zou achten.
  6. De vennootschap heeft tevens tot voorwerp het beheer en de uitbreiding voor eigen rekening van een patrimonium bestaande uit roerende en onroerende goederen zowel in het binnenland als in het buitenland alsmede alle handelingen die daar rechtstreeks of onrechtstreeks verband mee houden of die van aard zijn de opbrengst van haar goederen te bevorderen,zoals de aankoop en de verkoop,huur en verhuur,de ruiling of in het algemeen de verwerving of de overdracht van goederen zo roerende als onroerende,het onderhoud,de ontwikkeling,de verfraaiing en de verhuring van goederen,met uitzondering van die verrichtingen die verband houden met de normale activiteiten uitgeoefend door vastgoedmakelaars.
  7. De vennootschap mag voor eigen rekening of voor rekening van derden alle commerciële,industriële,financiële,burgerlijke,roerende en onroerende handelingen of verrichtingen stellen,die haar nuttig voorkomen om rechtstreeks of onrechtstreeks haar voorwerp te realiseren of de realisatie ervan te bevorderen of te vergemakkelijken.
  8. De vennootschap mag,onder om het even welke vorm,samenwerken met of participeren in,zowel in België als in het buitenland,fysische en rechtspersonen,waarvan de activiteit of het voorwerp gelijkaardig of verwant is of van aard de realisatie van het eigen voorwerp te bevorderen of te vergemakkelijken.
  9. De vennootschap kan zich ten gunste van derden borg stellen of hen aval verlenen,hypothecaire of andere zekerheden verstrekken.
  10. De vennootschap kan de functie van bestuurder of zaakvoerder in andere vennootschappen waarnemen.
deed of 27-10-2023 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit numberFASFC approval
2 FOR 1 registered office Vreyshorring 241, 3920 Lommel 15-01-2012 2.205.443.765 Restaurant

Buildings and parcels at the address

Ground area
1,128 m²
Buildings
285 m²
Volume, LiDAR
1,868 m³
Tallest building
12.3 m
Buildings to scale, each on its own parcel
285 m², 12.3 m 285 m², 12.3 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
72020C0807/00H0001,128 m² 1 · 285 m² 12.3 m · 2

Recognitions

Food safety, FASFC

1 site
Lommelunit number 2.205.443.765
1 permission
Authorisation · Restaurant · since 26-04-2016

Source: FAVV-AFSCA, open data, updated on 02-11-2026