TiVaMo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €283k and a net result of €26k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 5498 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
13 d early
2023
9 d early
2022
40 d early
2021
41 d early
2020
60 d late
2019
3 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€283k▲ 10.1%
2024 · €257k
2018: €35k
2019: €57k
2020: €113k
2021: €167k
2022: €191k
2023: €224k
2024: €257k
2018 → 2025
Net result
€26k▼ 22.9%
2024 · €34k
2018: €17k
2019: €21k
2020: €56k
2021: €54k
2022: €24k
2023: €33k
2024: €34k
2018 → 2025
Total assets
€304k▲ 8.9%
2024 · €279k
2018: €45k
2019: €80k
2020: €163k
2021: €224k
2022: €221k
2023: €254k
2024: €279k
2018 → 2025
Solvency
93.3%▲ 1.0pp
2024 · 92.2%
2018: 79.2%
2019: 70.8%
2020: 69.1%
2021: 74.7%
2022: 86.6%
2023: 88.1%
2024: 92.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€152k-€160k▲ 4.8%€155k▼ 2.9%€154k▼ 0.7%€152k▼ 1.2%
Equity€167k-€191k▲ 14.2%€224k▲ 17.0%€257k▲ 15.0%€283k▲ 10.1%
Operating result€76k-€37k▼ 51.0%€47k▲ 24.9%€45k▼ 3.0%€38k▼ 15.8%
Net result€54k-€24k▼ 56.4%€33k▲ 37.0%€34k▲ 3.5%€26k▼ 22.9%
Turnover and EBIT margin not published: the abbreviated or 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 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€83k▲ 3.3%
Current assets
€221k▲ 11.1%
Equity and liabilities €304k
Equity
€283k▲ 10.1%
Debt
€20k▼ 5.4%
The debt ratio falls from 7.8% to 6.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
93.3%▲
2024 · 92.2%
ROE
9.2%▼
2024 · 13.1%
ROA
8.5%▼
2024 · 12.1%
Debt
€20k▼
2024 · €22k
Debt ≤ 1 year
€20k▼
2024 · €22k
Income taxes
€12k▼
2024 · €14k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€279k€304k▲
Fixed assets21/28€80k€83k▲
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Financial fixed assets28€80k€80k=
Current assets29/58€199k€221k▲
Amounts receivable within one year40/41€45k€61k▲
Trade receivables40€45k€61k▲
Current investments50/53-€75k
Cash at bank and in hand54/58€153k€84k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€279k€304k▲
Equity10/15€257k€283k▲
Contributions10/11€19k€19k=
Reserves13€212k€238k▲
Distributable reserves133€212k€238k▲
Profit (loss) carried forward14€26k€26k=
Amounts payable17/49€22k€20k▼
Amounts payable within one year42/48€22k€20k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€15k€12k▼
Other amounts payable47/48€5k€6k▲
Accrued charges and deferred income492/3€69-
Income statement
Code20242025
Turnover70€154k€152k▼
Goods, raw materials, services and sundry goods60/61€108k€112k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€695
Other operating charges640/8€1k€1k▲
Gross operating margin9900€46k€40k▼
Operating profit (loss)9901€45k€38k▼
Financial income75/76B€3k€0▼
Recurring financial income75€3k€0▼
Financial charges65/66B€231€280▲
Recurring financial charges65€231€280▲
Profit (loss) for the period before taxes9903€48k€38k▼
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€34k€26k▼
Profit (loss) for the period to be appropriated9905€34k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€52k▼
Profit (loss) brought forward from the previous period14P€26k€26k=
Transfer to equity691/2€34k€26k▼
To other reserves6921€34k€26k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €224k ▲17%
6 profitable years in a row build equity to €224k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €150kEq €167k ▲48.2%
4 profitable years in a row build equity to €167k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 60 days late
2020
31-12
Financial
Highest result since 2018net €56k ▲164%
Operating result €79k, net result €56k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲99.3%
3 profitable years in a row build equity to €113k.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gavere · 1 establishment unit since 2017
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.
Bronnenweelde 449890 GavereGround area
619 m²
Building footprint
117 m²
Volume, LiDAR
698 m³
Parcel 44016B1222/00A003, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TiVaMo
since 20172.269.858.297
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016B1222/00A003 | Flanders | 619 m² | 1 · 117 m² | 9.8 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
WB INVEST
BE 0740.535.018
Aubel · Eq €283k
PTS Holding
BE 0546.856.801
Beringen · Eq €283k
BULCON
BE 0745.810.927
Wingene · Eq €283k
CANABO
BE 0833.640.764
Geel · Eq €283k
VICAST
BE 0568.665.072
Nijlen · Eq €284k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.