TISO
ActiveThe computed 12-month bankruptcy probability of TISO is 2.3% (moderate). The 2024 annual accounts show equity of €41k and a net result of €7k. Its solvency ranks better than 47% of 26057 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
61
/ 100
Healthy▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+12
Solvency37▲+7
Growth78
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.52 in 2023), and 71.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
28.4%
Return on assets
4.5%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-09-2025, 51 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
51 d late
2023
58 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€41k▲ 18.8%
2023 · €35k
2023: €35k
2023 → 2024
Total assets
€145k▲ 10.2%
2023 · €132k
2023: €132k
2023 → 2024
Net result
€7k▲ 39.7%
2023 · €5k
2023: €5k
2023 → 2024
Working capital
€-32k▲ 30.9%
2023 · €-46k
2023: €-46k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€35k-€41k▲ 18.8%
Operating result€20k-€8k▼ 57.1%
Net result€5k-€7k▲ 39.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 57% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €145k
Fixed assets
€73k▼ 9.6%
Current assets
€72k▲ 41.7%
Equity and liabilities €145k
Equity
€41k▲ 18.8%
Debt
€104k▲ 7.1%
The debt ratio falls from 73.6% to 71.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€19k▼
2023 · €27k
Cash flow
€17k▲
2023 · €12k
Solvency
28.4%▲
2023 · 26.4%
Current ratio
0.69▲
2023 · 0.52
Quick ratio
0.46▲
2023 · 0.26
Debt / equity
2.52▼
2023 · 2.79
ROE
15.9%▲
2023 · 13.5%
ROA
4.5%▲
2023 · 3.6%
Interest coverage
44.21▲
2023 · 20.99
Debt
€104k▲
2023 · €97k
Debt ≤ 1 year
€104k▲
2023 · €97k
Income taxes
€2k▲
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€132k€145k▲
Fixed assets21/28€81k€73k▼
Intangible fixed assets21€56k€49k▼
Tangible fixed assets22/27€25k€24k▼
Plant, machinery and equipment23€23k€19k▼
Other tangible fixed assets26€2k€4k▲
Current assets29/58€51k€72k▲
Stocks and contracts in progress3€25k€24k▼
Stocks30/36€25k€24k▼
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40€679€1k▲
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€18k€45k▲
Deferred charges and accrued income490/1€36-
Equity and liabilities
Total equity and liabilities10/49€132k€145k▲
Equity10/15€35k€41k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€5k€11k▲
Amounts payable17/49€97k€104k▲
Amounts payable within one year42/48€97k€104k▲
Trade debts44€10k€9k▼
Suppliers440/4€10k€9k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€86k€92k▲
Income statement
Code20232024
Remuneration, social security and pensions62€40k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€157€62▼
Gross operating margin9900€67k€19k▼
Operating profit (loss)9901€20k€8k▼
Financial income75/76B€80€159▲
Recurring financial income75€80€159▲
Financial charges65/66B€14k€421▼
Recurring financial charges65€1k€421▼
Non-recurring financial charges66B€13k-
Profit (loss) for the period before taxes9903€6k€8k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€5k€7k▲
Profit (loss) for the period to be appropriated9905€5k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€11k▲
Profit (loss) brought forward from the previous period14P-€5k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 51 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Halen · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Loksbergenstraat 713545 HalenGround area
551 m²
Building footprint
216 m²
Volume, LiDAR
1,293 m³
Parcel 71422B0490/00F002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TISO
since 20222.338.961.988
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71422B0490/00F002 | Flanders | 551 m² | 1 · 216 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
Lux 2.0
BE 1014.154.301
Houthalen-Helchteren · Eq €41k
COLOT
BE 0446.450.022
Houyet · Eq €41k
VRANKEN-BAILLIEN
BE 0477.953.147
Maasmechelen · Eq €41k
FLOQUENTAS
BE 0459.945.888
Lasne · Eq €41k
LIBRAIRIE DESHORME
BE 0476.374.225
Momignies · Eq €41k
Of 2,320 companies in sector 47621 we hold annual accounts for 1,236. 1,069 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2022
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
47241Retail sale of bread and pastry (bakery outlets)
47260Retail trade
53200Other postal and courier activities
82990Other business support services
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.