Financials
- Fiscal year
- 2025
- Total assets
- €326,414
- Loss
- -€110,291
- Solvency
- 12.0%
Total assets▼ 21.5%
Net result
20182025
TL Consulting
ActiveSummary
The computed 12-month bankruptcy probability of TL Consulting is 2.1% (moderate). The annual accounts of TL Consulting for fiscal year 2025 show a net loss of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €39,195 and a net result of -€110,291. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 33831 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Joinery installation
NACE 43320NACE 45421
1 site
Size
€326,414total assets 2025
- Staff
- 7 FTE
- Equity
- €39,195
- Loss
- -€110,291
Turnover not published (abridged schema)
Structure
Accounts filed 6 d late1 of 2 deeds read
Why 51- Loss of €110,291 (FY 2025)- 1 change of registered office in 24 months- Sector Specialised construction activities (NACE 43)+ Size: total assets €326,414Show the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 8% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
37-24
equity 12.0% of total assets
Liquidity
12-5
short-term debt 87.8% · cash 8.6%
Profitability
0-48
return on assets -33.8%
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.1%
12-2024: 1.1%● 0.0% vs 11-2024
01-2025: 1.1%● 0.0% vs 12-2024
02-2025: 1.1%● 0.0% vs 01-2025
03-2025: 1.1%● 0.0% vs 02-2025
04-2025: 1.1%▲ +7.7% vs 03-2025
05-2025: 1.1%▼ -1.3% vs 04-2025
06-2025: 1.1%▼ -4.9% vs 05-2025
07-2025: 1.4%▲ +27.3% vs 06-2025
08-2025: 0.5%▼ -61.6% vs 07-2025lowest value
09-2025: 0.5%● 0.0% vs 08-2025lowest value
10-2025: 0.5%● 0.0% vs 09-2025lowest value
11-2025: 0.5%● 0.0% vs 10-2025lowest value
12-2025: 0.5%● 0.0% vs 11-2025lowest value
01-2026: 0.5%● 0.0% vs 12-2025lowest value
02-2026: 0.5%● 0.0% vs 01-2026lowest value
03-2026: 0.5%● 0.0% vs 02-2026lowest value
04-2026: 0.6%▲ +6.3% vs 03-2026
05-2026: 0.6%● 0.0% vs 04-2026
06-2026: 1.3%▲ +131% vs 05-2026
07-2026: 1.4%▲ +5.2% vs 06-2026
08-2026: 2.1%▲ +55.9% vs 07-2026
09-2026: 2.1%▲ +0.2% vs 08-2026highest value
10-2026: 2.1%● 0.0% vs 09-2026highest value
- Loss of €110,291 (FY 2025) raises the probability
- 1 change of registered office in 24 months raises the probability
- Size: total assets €326,414 lowers the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €1,500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.06 against 1.46 in 2024; short-term debt: 87.8% and cash: 8.6% of total assets), and 88% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 15%, liquidity 7%, profitability 4%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 33831 sector peers (2025).
NBB · sector comparisonPosition among 33831 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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
6 d late
2024
1 d early
2023
9 d early
2022
31 d early
2021
23 d late
2020
31 d late
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Registered officeName change · Registered-office move…
- Weakest financial yearnet -€110,291
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 06-08-2026Annual accounts filed
- 26-05-2026Registered office
- 31-12-2025Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Joinery installationNACE 43320
- Founded
- 07-10-2002
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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