Tjammels
ActiveTjammels has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €691k and a net result of €305k. Equity is growing by ~68.3% per year across the filed fiscal years. Its solvency ranks better than 51% of 2510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy▼ -22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency50▼-1
Growth78=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.55 against 1.18 in 2024), and 60.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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
39.1%
Return on assets
17.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 3 filingsDeviation from the deadline
2025
25 d late
2024
19 d late
2023
34 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€691k▲ 79.0%
2024 · €386k
2023: €164k
2024: €386k
2023 → 2025
Total assets
€1.77M▲ 37.6%
2024 · €1.28M
2023: €367k
2024: €1.28M
2023 → 2025
Net result
€305k▲ 37.2%
2024 · €222k
2023: €114k
2024: €222k
2023 → 2025
Working capital
€-165k
2024 · €54k
2023: €-64k
2024: €54k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€164k-€386k▲ 136%€691k▲ 79.0%
Operating result€160k-€334k▲ 108%€442k▲ 32.4%
Net result€114k-€222k▲ 95.4%€305k▲ 37.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 32% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.77M
Fixed assets
€1.56M▲ 67.8%
Current assets
€203k▼ 42.3%
Equity and liabilities €1.77M
Equity
€691k▲ 79.0%
Debt
€1.08M▲ 19.8%
The debt ratio falls from 69.9% to 60.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€505k▲
2024 · €379k
Cash flow
€368k▲
2024 · €268k
Solvency
39.1%▲
2024 · 30.1%
Current ratio
0.55▼
2024 · 1.18
Quick ratio
0.55▼
2024 · 1.18
Debt / equity
1.56▼
2024 · 2.33
ROE
44.1%▼
2024 · 57.6%
ROA
17.3%▼
2024 · 17.3%
Interest coverage
14.89▼
2024 · 18.72
Debt
€1.08M▲
2024 · €898k
Debt ≤ 1 year
€368k▲
2024 · €298k
Debt > 1 year
€708k▲
2024 · €601k
Income taxes
€104k▲
2024 · €92k
Staff costs
€25k
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€1.28M€1.77M▲
Fixed assets21/28€933k€1.56M▲
Tangible fixed assets22/27€933k€1.56M▲
Land and buildings22€914k€1.42M▲
Plant, machinery and equipment23€19k€38k▲
Furniture and vehicles24-€106k
Current assets29/58€352k€203k▼
Amounts receivable within one year40/41€116k€24k▼
Trade receivables40€111k€21k▼
Other amounts receivable41€5k€3k▼
Current investments50/53-€15k
Cash at bank and in hand54/58€236k€164k▼
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.77M▲
Equity10/15€386k€691k▲
Contributions10/11€50k€50k=
Reserves13€200k€300k▲
Distributable reserves133€200k€300k▲
Profit (loss) carried forward14€136k€341k▲
Amounts payable17/49€898k€1.08M▲
Amounts payable after more than one year17€601k€708k▲
Financial debts170/4€601k€708k▲
Amounts payable within one year42/48€298k€368k▲
Current portion of amounts payable after more than one year42€156k€165k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€137k€200k▲
Taxes450/3€137k€197k▲
Remuneration and social security454/9-€3k
Income statement
Code20242025
Remuneration, social security and pensions62-€25k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€63k▲
Other operating charges640/8€207€8k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€380k€538k▲
Operating profit (loss)9901€334k€442k▲
Financial income75/76B€826€1k▲
Recurring financial income75€826€1k▲
Financial charges65/66B€20k€34k▲
Recurring financial charges65€20k€34k▲
Profit (loss) for the period before taxes9903€314k€409k▲
Income taxes67/77€92k€104k▲
Profit (loss) for the period9904€222k€305k▲
Profit (loss) for the period to be appropriated9905€222k€305k▲
Appropriation of the result
Profit (loss) to be appropriated9906€236k€441k▲
Profit (loss) brought forward from the previous period14P€14k€136k▲
Transfer to equity691/2€100k€100k=
To other reserves6921€100k€100k=
The notes to these accounts (7 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2023net €305k ▲37.2%
Operating result €442k, net result €305k, both a record.
31-12
Financial
Equity above €500kEq €691k ▲79%
3 profitable years in a row build equity to €691k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Equity above €200kEq €386k ▲136%
2 profitable years in a row build equity to €386k.
03-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wortegem-Petegem · 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.
Tjammelsstraat (W.) 299790 Wortegem-PetegemGround area
1,212 m²
Building footprint
185 m²
Parcel 45055C0310/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
Tjammels
since 20222.335.676.757
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45055C0310/00E000 | Flanders | 1,212 m² | 1 · 185 m² | - |
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.
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Of 721 companies in sector 93192 we hold annual accounts for 86. 34 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-08-2022
Fiscal year end31-12
Activities, NACEBEL
93192Activities of independent sportspeople
95290Repair and maintenance of other personal and household goods
47632Retail sale of bicycles
47785Retail trade
85599Other education
90201Performing arts by independent artists
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.