Summary
TMB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €29k and a net result of €-3k. Equity is growing by ~31.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 9863 sector peers (fiscal year 2024). The company has been active since 1991 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-06-2025, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
57 d early
2023
on the day
2022
19 d early
2021
32 d early
2020
18 d early
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€29k▼ 9.1%
2023 · €32k
2018: €15k
2019: €614
2020: €1k
2021: €18k
2022: €15k
2023: €32k
2018 → 2024
Net result
€-3k
2023 · €17k
2018: €629
2019: €-15k
2020: €761
2021: €16k
2022: €-3k
2023: €17k
2018 → 2024
Total assets
€41k▼ 5.2%
2023 · €43k
2018: €26k
2019: €29k
2020: €32k
2021: €27k
2022: €66k
2023: €43k
2018 → 2024
Solvency
71.6%▼ 3.0pp
2023 · 74.6%
2018: 58.2%
2019: 2.2%
2020: 4.2%
2021: 67.1%
2022: 22.8%
2023: 74.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1k-€18k▲ 1,198%€15k▼ 15.5%€32k▲ 115%€29k▼ 9.1%
Operating result€5k-€20k▲ 323%€-491€27k€3k▼ 89.7%
Net result€761-€16k▲ 2,066%€-3k€17k€-3k
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 falls in 2024; 2024 is 90% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €41k
Fixed assets
€7k ▲ 235%
Current assets
€35k ▼ 16.6%
Equity and liabilities €41k
Equity
€29k ▼ 9.1%
Debt
€12k ▲ 6.0%
The debt ratio rises from 25.4% to 28.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-10.0%▼
2023 · 53.5%
ROA
-7.2%▼
2023 · 39.9%
Debt ≤ 1 year
€12k▲
2023 · €11k
Income taxes
€514▼
2023 · €7k
Staff costs
€32k▼
2023 · €36k
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 · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€43k€41k▼
Fixed assets21/28€2k€7k▲
Tangible fixed assets22/27€2k€7k▲
Other tangible fixed assets26€2k€7k▲
Current assets29/58€41k€35k▼
Amounts receivable within one year40/41€8k€8k▼
Trade receivables40€77€0▼
Other amounts receivable41€8k€8k▼
Cash at bank and in hand54/58€7k€6k▼
Deferred charges and accrued income490/1€26k€21k▼
Equity and liabilities
Total equity and liabilities10/49€43k€41k▼
Equity10/15€32k€29k▼
Contributions10/11€81k€81k=
Capital10€81k€81k=
Issued capital100€81k€81k=
Profit (loss) carried forward14€-49k€-52k▼
Amounts payable17/49€11k€12k▲
Amounts payable after more than one year17€0-
Other amounts payable178/9€0-
Amounts payable within one year42/48€11k€12k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€3k€2k▼
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48-€7k
Income statement
Code20232024
Remuneration, social security and pensions62€36k€32k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€978€727▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A-€804
Gross operating margin9900€66k€37k▼
Operating profit (loss)9901€27k€3k▼
Financial income75/76B€17€4▼
Recurring financial income75€17€4▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€24k€-2k▼
Income taxes67/77€7k€514▼
Profit (loss) for the period9904€17k€-3k▼
Profit (loss) for the period to be appropriated9905€17k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-49k€-52k▼
Profit (loss) brought forward from the previous period14P€-66k€-49k▲
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
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.77
Current ratio from 1.35 to 3.77; short-term debt falls from €47k to €11k.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €761
Net result €761 after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-15k ▼2424%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 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, Hamont-Achel · 1 establishment unit since 1991
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.
Slipstraat 573930 Hamont-AchelGround area
2,759 m²
Building footprint
606 m²
Volume, LiDAR
2,838 m³
Parcel 72001A0625/00N002, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TMB NV
since 19912.053.040.929
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001A0625/00N002 | Flanders | 2,759 m² | 1 · 606 m² | 7.6 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 8,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-05-1991
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.