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TM COMMUNICATIONS

Active
Private limited companyfounded 20242 yrs activeZoning de Jumet,4ème rue 33, 6040 Charleroi, BelgiumKBO/BCE: BE 1009.992.308
Summary

The computed 12-month bankruptcy probability of TM COMMUNICATIONS is 4.7% (elevated). The 2025 annual accounts show negative equity (-€36,135) and a net result of -€39,135. Its solvency ranks better than 5% of 28184 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency0
Growth-
Track record67
Bankruptcy probability, 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.02; short-term debt: 97.1% and cash: 39.1% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
-35.7%
Return on assets
-38.7%
Age of the figures
15 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-11-2025, 64 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
64 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

TM COMMUNICATIONS was incorporated on 3 June 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€36,135
Total assets
€101,222
Net result
-€39,135
Working capital
€2,398

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €101,222
Fixed assets €500
Current assets €100,722
Key figures and ratios
2025 value
Solvency
-35.7%
Current ratio
1.02
Debt to equity
-3.80
ROA
-38.7%
Debt
€137,357
Debt ≤ 1 year
€98,324
Debt > 1 year
€39,033
Staff costs
€468,260

Peer companies

Historical observation

Of the 490 companies that looked in July 2024 the way this one looks now, 6.1% went bankrupt within 24 months and 89% are still going.

  • Small
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
6.1% went bankrupt
3.5% stopped otherwise
89% still going

A further 1.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 4.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 490 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 37 lines
Balance sheet Code2025
Assets
Total assets20/58€101,222
Fixed assets21/28€500
Financial fixed assets28€500
Current assets29/58€100,722
Amounts receivable within one year40/41€59,622
Trade receivables40€45,593
Other amounts receivable41€14,029
Cash at bank and in hand54/58€39,591
Deferred charges and accrued income490/1€1,510
Equity and liabilities
Total equity and liabilities10/49€101,222
Equity10/15-€36,135
Contributions10/11€3,000
Profit (loss) carried forward14-€39,135
Amounts payable17/49€137,357
Amounts payable after more than one year17€39,033
Financial debts170/4€39,033
Amounts payable within one year42/48€98,324
Current portion of amounts payable after more than one year42€5,754
Trade debts44€5,154
Suppliers440/4€5,154
Taxes, remuneration and social security45€87,417
Taxes450/3€5,593
Remuneration and social security454/9€81,824
Income statement Code2025
Remuneration, social security and pensions62€468,260
Other operating charges640/8€1,452
Non-recurring operating charges66A€5,780
Gross operating margin9900€454,556
Operating profit (loss)9901-€20,936
Financial income75/76B€425
Recurring financial income75€425
Financial charges65/66B€18,624
Recurring financial charges65€15,085
Non-recurring financial charges66B€3,539
Profit (loss) for the period before taxes9903-€39,135
Profit (loss) for the period9904-€39,135
Profit (loss) for the period to be appropriated9905-€39,135
Appropriation of the result
Profit (loss) to be appropriated9906-€39,135

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€468,260
Other operating charges640/8€1,452
Non-recurring operating charges66A€5,780
Gross operating margin9900€454,556
Operating profit (loss)9901-€20,936
Financial income75/76B€425
Recurring financial income75€425
Financial charges65/66B€18,624
Recurring financial charges65€15,085
Non-recurring financial charges66B€3,539
Profit (loss) for the period before taxes9903-€39,135
Profit (loss) for the period9904-€39,135
Profit (loss) for the period to be appropriated9905-€39,135
Line2025
Assets
Total assets20/58€101,222
Fixed assets21/28€500
Financial fixed assets28€500
Current assets29/58€100,722
Amounts receivable within one year40/41€59,622
Trade receivables40€45,593
Other amounts receivable41€14,029
Cash at bank and in hand54/58€39,591
Deferred charges and accrued income490/1€1,510
Equity and liabilities
Total equity and liabilities10/49€101,222
Equity10/15-€36,135
Contributions10/11€3,000
Profit (loss) carried forward14-€39,135
Amounts payable17/49€137,357
Amounts payable after more than one year17€39,033
Financial debts170/4€39,033
Amounts payable within one year42/48€98,324
Current portion of amounts payable after more than one year42€5,754
Trade debts44€5,154
Suppliers440/4€5,154
Taxes, remuneration and social security45€87,417
Taxes450/3€5,593
Remuneration and social security454/9€81,824
Line2025
Profit (loss) for the period9904-€39,135
Operating cash flow (approximation)-€39,135

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
28-11
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Charleroi · 1 establishment unit since 2024
seat establishment approximate The establishment unit on the map
Ground area
9,994 m²
Building footprint
3,265 m²
Volume, LiDAR
31,190 m³
Parcel 52034B1039/00Z004, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TM COMMUNICATIONS
Zoning de Jumet,4ème rue 33, 6040 CharleroiGeneral electrical installation work
since 20242.360.563.789
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52034B1039/00Z004 Wallonia 9,994 m² 1 · 3,265 m² 11.1 m · 3 fl.
Linked by address, not proof of ownership
Good to know
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 and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 22,831 companies in sector 43211 we hold annual accounts for 10,329. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-06-2024
Fiscal year end30-06
Activities, NACEBEL 2025
43211General electrical installation work
Contact
E-mail tmcommunications@hotmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1009992308
Also 9925:BE1009992308
Registered 31-10-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.