tIPtec
ActiveSummary
tIPtec has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €21k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-9
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 15.36 against 19.1 in 2024; short-term debt: 6.3% and cash: 70.9% of total assets), and 6.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
93.7%
Return on assets
5.9%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
37 d early
2023
on the day
2022
5 d early
2021
19 d early
2020
25 d early
2019
15 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€335k▼ 22.5%
2024 · €432k
2018: €183k
2019: €189k▲ +3.6% vs 2018
2020: €137k▼ -27.7% vs 2019lowest in 8 years
2021: €161k▲ +17.5% vs 2020
2022: €279k▲ +73.5% vs 2021
2023: €403k▲ +44.3% vs 2022
2024: €432k▲ +7.4% vs 2023highest in 8 years
2025: €335k▼ -22.5% vs 2024
2018 → 2025
Total assets
€357k▼ 21.5%
2024 · €455k
2018: €241k
2019: €217k▼ -9.8% vs 2018
2020: €162k▼ -25.5% vs 2019lowest in 8 years
2021: €191k▲ +18.3% vs 2020
2022: €336k▲ +75.7% vs 2021
2023: €474k▲ +40.9% vs 2022highest in 8 years
2024: €455k▼ -3.9% vs 2023
2025: €357k▼ -21.5% vs 2024
2018 → 2025
Net result
€21k▼ 64.4%
2024 · €59k
2018: €30k
2019: €7k▼ -77.5% vs 2018
2020: €-52k▼ -889% vs 2019lowest in 8 years
2021: €116k▲ +322% vs 2020
2022: €118k▲ +1.9% vs 2021
2023: €124k▲ +4.7% vs 2022highest in 8 years
2024: €59k▼ -52.1% vs 2023
2025: €21k▼ -64.4% vs 2024
2018 → 2025
Working capital
€326k▼ 21.7%
2024 · €416k
2018: €181k
2019: €187k▲ +3.1% vs 2018
2020: €136k▼ -27.2% vs 2019lowest in 8 years
2021: €179k▲ +31.3% vs 2020
2022: €251k▲ +40.9% vs 2021
2023: €378k▲ +50.3% vs 2022
2024: €416k▲ +9.9% vs 2023highest in 8 years
2025: €326k▼ -21.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€279k▲ 73.5%€403k▲ 44.3%€432k▲ 7.4%€335k▼ 22.5%
2021: €161klowest in 5 years
2022: €279k▲ +73.5% vs 2021
2023: €403k▲ +44.3% vs 2022
2024: €432k▲ +7.4% vs 2023highest in 5 years
2025: €335k▼ -22.5% vs 2024
Operating result€147k-€168k▲ 14.4%€177k▲ 5.3%€81k▼ 54.3%€29k▼ 64.1%
2021: €147k
2022: €168k▲ +14.4% vs 2021
2023: €177k▲ +5.3% vs 2022highest in 5 years
2024: €81k▼ -54.3% vs 2023
2025: €29k▼ -64.1% vs 2024lowest in 5 years
Net result€116k-€118k▲ 1.9%€124k▲ 4.7%€59k▼ 52.1%€21k▼ 64.4%
2021: €116k
2022: €118k▲ +1.9% vs 2021
2023: €124k▲ +4.7% vs 2022highest in 5 years
2024: €59k▼ -52.1% vs 2023
2025: €21k▼ -64.4% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 64% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €357k
Fixed assets
€9k ▼ 44.0%
Current assets
€348k ▼ 20.6%
Equity and liabilities €357k
Equity
€335k ▼ 22.5%
Debt
€23k ▼ 1.3%
Debt's share of the balance-sheet total rises from 5.0% to 6.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€36k▼
2024 · €89k
Cash flow
€28k▼
2024 · €67k
Current ratio
15.36▼
2024 · 19.10
Debt to equity
0.07▲
2024 · 0.05
ROE
6.3%▼
2024 · 13.7%
ROA
5.9%▼
2024 · 13.0%
Interest coverage
200.35▼
2024 · 521.10
Debt ≤ 1 year
€23k▼
2024 · €23k
Income taxes
€10k▼
2024 · €24k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€455k€357k▼
Fixed assets21/28€17k€9k▼
Tangible fixed assets22/27€17k€9k▼
Plant, machinery and equipment23€183-
Furniture and vehicles24€16k€9k▼
Current assets29/58€439k€348k▼
Amounts receivable after more than one year29€110k€60k▼
Other amounts receivable291€110k€60k▼
Amounts receivable within one year40/41€27k€32k▲
Trade receivables40€9k€15k▲
Other amounts receivable41€18k€17k▼
Cash at bank and in hand54/58€298k€253k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€455k€357k▼
Equity10/15€432k€335k▼
Contributions10/11€6k€6k=
Reserves13€426k€329k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€424k€327k▼
Amounts payable17/49€23k€23k▼
Amounts payable within one year42/48€23k€23k▼
Trade debts44€19k€9k▼
Suppliers440/4€19k€9k▼
Taxes, remuneration and social security45€4k€13k▲
Taxes450/3€4k€13k▲
Other amounts payable47/48€457€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€90k€38k▼
Operating profit (loss)9901€81k€29k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€170€182▲
Recurring financial charges65€170€182▲
Profit (loss) for the period before taxes9903€83k€31k▼
Income taxes67/77€24k€10k▼
Profit (loss) for the period9904€59k€21k▼
Profit (loss) for the period to be appropriated9905€59k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€21k▼
Transfer from equity791/2€30k€119k▲
Transfer to equity691/2€59k€21k▼
To other reserves6921€59k€21k▼
Profit to be distributed694/7€30k€119k▲
Return on contributions (dividend)694€30k€119k▲
The notes to these accounts (4 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €685 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €7k | €8k | €8k | €7k | ▼ 6.8% |
| Other operating charges640/8 | €943 | €1k | €990 | €1k | €2k | ▲ 23.8% |
| Gross operating margin9900 | €150k | €176k | €186k | €90k | €38k | ▼ 57.9% |
| Operating profit (loss)9901 | €147k | €168k | €177k | €81k | €29k | ▼ 64.1% |
| Financial income75/76B | €0 | €23 | €900 | €2k | €2k | ▼ 4.4% |
| Recurring financial income75 | €0 | €23 | €900 | €2k | €2k | ▼ 4.4% |
| Financial charges65/66B | €163 | €174 | €207 | €170 | €182 | ▲ 6.6% |
| Recurring financial charges65 | €163 | €174 | €207 | €170 | €182 | ▲ 6.6% |
| Profit (loss) for the period before taxes9903 | €147k | €168k | €178k | €83k | €31k | ▼ 62.6% |
| Income taxes67/77 | €31k | €50k | €54k | €24k | €10k | ▼ 58.1% |
| Profit (loss) for the period9904 | €116k | €118k | €124k | €59k | €21k | ▼ 64.4% |
| Profit (loss) for the period to be appropriated9905 | €116k | €118k | €124k | €59k | €21k | ▼ 64.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €191k | €336k | €474k | €455k | €357k | ▼ 21.5% |
| Fixed assets21/28 | €2k | €27k | €24k | €17k | €9k | ▼ 44.0% |
| Tangible fixed assets22/27 | €2k | €27k | €24k | €17k | €9k | ▼ 44.0% |
| Plant, machinery and equipment23 | €2k | €2k | €898 | €183 | - | - |
| Furniture and vehicles24 | - | €25k | €24k | €16k | €9k | ▼ 43.4% |
| Current assets29/58 | €189k | €309k | €449k | €439k | €348k | ▼ 20.6% |
| Amounts receivable after more than one year29 | - | €60k | €60k | €110k | €60k | ▼ 45.5% |
| Other amounts receivable291 | - | €60k | €60k | €110k | €60k | ▼ 45.5% |
| Amounts receivable within one year40/41 | €44k | €75k | €52k | €27k | €32k | ▲ 18.7% |
| Trade receivables40 | €44k | €75k | €52k | €9k | €15k | ▲ 69.0% |
| Other amounts receivable41 | €8 | - | - | €18k | €17k | ▼ 6.3% |
| Cash at bank and in hand54/58 | €144k | €167k | €333k | €298k | €253k | ▼ 15.0% |
| Deferred charges and accrued income490/1 | €1k | €7k | €4k | €3k | €2k | ▼ 23.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €191k | €336k | €474k | €455k | €357k | ▼ 21.5% |
| Equity10/15 | €161k | €279k | €403k | €432k | €335k | ▼ 22.5% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €154k | €272k | €396k | €426k | €329k | ▼ 22.9% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €152k | €271k | €394k | €424k | €327k | ▼ 23.0% |
| Profit (loss) carried forward14 | €578 | €178 | - | - | - | - |
| Amounts payable17/49 | €31k | €57k | €71k | €23k | €23k | ▼ 1.3% |
| Amounts payable within one year42/48 | €11k | €57k | €71k | €23k | €23k | ▼ 1.3% |
| Trade debts44 | €3k | €4k | €5k | €19k | €9k | ▼ 54.2% |
| Suppliers440/4 | €3k | €4k | €5k | €19k | €9k | ▼ 54.2% |
| Taxes, remuneration and social security45 | €3k | €28k | €44k | €4k | €13k | ▲ 251% |
| Taxes450/3 | €3k | €28k | €44k | €4k | €13k | ▲ 251% |
| Other amounts payable47/48 | €4k | €25k | €22k | €457 | €1k | ▲ 134% |
| Accrued charges and deferred income492/3 | €20k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €116k | €118k | €124k | €59k | €21k | ▼ 64.4% |
| + Depreciation and write-downs630 | €1k | €7k | €8k | €8k | €7k | ▼ 6.8% |
| Operating cash flow (approximation) | €117k | €125k | €131k | €67k | €28k | ▼ 57.7% |
| Investment in fixed assets (approximation) | - | €-32k | €-5k | €0 | €0 | - |
| Change in cash | - | €23k | €167k | €-35k | €-45k | ▼ 27.3% |
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
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 19.10
Current ratio from 6.32 to 19.10; short-term debt falls from €71k to €23k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €124k ▲4.7%
Operating result €177k, net result €124k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €279k ▲73.5%
2 profitable years in a row build equity to €279k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €116k
Net result €116k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 17.49
Current ratio from 6.47 to 17.49; short-term debt falls from €25k to €11k.
31-12
Financial
Equity above €150kEq €161k ▲17.5%
Equity rises from €137k to €161k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
2017
31-07
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 3 acts read
About the unread acts
We know of 3 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
3 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, Herentals · 1 establishment unit since 2012
Ground area
578 m²
Building footprint
143 m²
Volume, LiDAR
573 m³
Parcel 13302C0349/00E002, Flanders · tallest building 5.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
tIPtec
since 20122.209.553.003
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302C0349/00E002 | Flanders | 578 m² | 1 · 143 m² | 5.4 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.
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Of 11,218 companies in sector 82100 we hold annual accounts for 3,511. 2,226 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
Founded08-05-2012
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.