Equity
€5.1m ▲ 0.8%
TM has made a profit in every financial year since 2006.
TM
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1993peak €688,653 (2022)
-not published
peak €1.5m (2021)
€40,727▲ 319%
peak €5.1m (2025)
€5.1m▲ 0.8%
€2.2m▲ 16.0%
peak 0 FTE (2023)
-not published
Board4 names since 2004
2 directorsT'JEAN Bénédicte and 1 other
Documentsfilings and deeds
28-07-20263 days before the deadline
2025financial year
Result from €9,731 to €40,727Debts from €1.9m to €2.2mInvestments €984,997Cash from €346,818 to €926,093
Key points
from the 2025 annual accountsSecurities
€2.9m
Mortgage mandates, new in 2025. 57.8% of equity · not in the 2024 accounts.
Investments
€487,294 2.9 × depreciation
Green is investment, beige is depreciation.
Liquidity
2.08 was 10.79 in 2024
Short-term debts rose from €146,408 to €529,897.
Filings
33 annual accounts since 1993
Two of the last ten came late. The 2016 accounts came latest: 22 days after the end of the period.
Board
2 left
Directors left. Latest change 02-10-2026 · 1 in office.
Checked score
96
Excellent
Financially stronger than 70% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: 0.1%▲ +0.1 percentage points vs 04-2025
06-2025: < 0.1%▼ -0.1 percentage points vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Size: turnover €585,489, total assets €7.3m
Figures for financial year 2025 (filed on 28-07-2026)
Liquidity: current ratio 2.08, cash €926,093
Equity €5.1m (69.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 81% of them on solvency, 91% on liquidity, 61% on profitability and 48% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.08 (10.79 in 2024), above the usual 1.5. Short-term debt is 7.2% and cash 12.6% of total assets. 30.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 days early
2024
27 days early
2023
7 days late
2022
11 days early
2021
30 days early
2020
50 days early
2019
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 20 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MARCON Miléna, Yvonne shareholderdeed of 03-09-2026
- T’JEAN Bénédicte shareholderdeed of 03-09-2026
Shares in 1 company, T'JEAN-MARCON
Board & ownershipRecent changes
Resignations: Robert T'jean (director) and Milena Marcon (day-to-day manager)
General meeting of 12-10-2026 · Gazette deed
Amendment of the articles
MARCON Miléna, Yvonne is a shareholder · T’JEAN Bénédicte is a shareholder · General meeting of 26-08-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0450715151
Permanent representative: T'JEAN Bénédicte
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TM Waterloo | €585,489 | 25.5% | 69.5% | - |
| GROEP DOMUS Beringen | €595,850 | 37.6% | 80.8% | 2.4 |
| ESPACE DIDIER Marche-en-Famenne | €829,522 | 10.9% | 94.5% | 1.6 |
| GESIM Charleroi | €347,360 | 3.9% | 31.5% | - |
| BENSAR Hamont-Achel | €306,000 | -61.5% | 86.3% | 1 |
| APICINQ Molenbeek-Saint-Jean | €505,015 | - | 5.6% | - |
| HERMAR Sint-Niklaas | €532,209 | 0.9% | 49.3% | 1.6 |
Grey: the largest companies of the sector (real estate (NACE 68)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as TM: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €4.7m and €9m, founded between 1987 and 2001.
Official details
Source: KBO- Status
- Active since 28-06-1993Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment unit
- 2.064.402.1041410 Waterloo, since 12-06-1997
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Annual accounts 2025
- €7.3m▲ 4.8%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on TM
TM has existed since 1993. The gross margin fell from €688,653 in 2022 to €341,805 in 2023.
In July 2023, the Official Gazette published the appointment of T'JEAN Bénédicte as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TM
- What is the company number of TM?
- The company number of TM is 0450.715.151. The VAT number is the same number with BE in front: BE 0450.715.151.
- Where is TM based?
- The registered office is at Chaussée de Bruxelles 231, 1410 Waterloo.Company details
- What does TM do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of TM?
- TM is a public limited company (NV).
- When was TM founded?
- TM was founded on 28-06-1993.
- Is TM still active?
- Yes, TM is an active enterprise in the KBO register.
- What is the turnover of TM?
- The turnover of TM was €585,489 in financial year 2025, according to the filed annual accounts.Financials
- Is TM profitable?
- In financial year 2025, TM made a profit of €40,727.
- Where can I find the annual accounts of TM?
- TM filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TM due?
- TM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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