TMB Technics
ActiveThe computed 12-month bankruptcy probability of TMB Technics is 2.6% (moderate). The 2024 annual accounts show equity of €112k and a net result of €12k. Equity is growing by ~34.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 36373 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▼-11
Solvency64▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.3 in 2023; short-term debt: 30.3% and cash: 13.9% of total assets), and 61.2% 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.
+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
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
Sector 43
higher
← 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 2024Solvency, return and age of the figures
Solvency
38.8%
Return on assets
4.2%
Age of the figures
21 mo
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 26-06-2025, 35 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
41 d early
2022
40 d early
2021
41 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€112k▲ 12.0%
2023 · €100k
2021: €50k
2022: €59k
2023: €100k
2021 → 2024
Total assets
€289k▼ 7.0%
2023 · €311k
2021: €260k
2022: €288k
2023: €311k
2021 → 2024
Net result
€12k▼ 71.1%
2023 · €42k
2021: €48k
2022: €13k
2023: €42k
2021 → 2024
Working capital
€43k▲ 25.3%
2023 · €34k
2021: €-15k
2022: €-10k
2023: €34k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€50k-€59k▲ 17.9%€100k▲ 71.1%€112k▲ 12.0%
Operating result€51k-€17k▼ 66.1%€58k▲ 230%€15k▼ 74.3%
Net result€48k-€13k▼ 72.9%€42k▲ 223%€12k▼ 71.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 74% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €289k
Fixed assets
€159k▼ 2.6%
Current assets
€130k▼ 11.8%
Equity and liabilities €289k
Equity
€112k▲ 12.0%
Debt
€177k▼ 16.0%
The debt ratio falls from 67.8% to 61.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▼
2023 · €68k
Cash flow
€22k▼
2023 · €52k
Solvency
38.8%▲
2023 · 32.2%
Current ratio
1.49▲
2023 · 1.30
Quick ratio
1.28▲
2023 · 1.23
Debt / equity
1.58▼
2023 · 2.10
ROE
10.7%▼
2023 · 41.6%
ROA
4.2%▼
2023 · 13.4%
Interest coverage
13.21▼
2023 · 23.25
Debt
€177k▼
2023 · €211k
Debt ≤ 1 year
€88k▼
2023 · €114k
Debt > 1 year
€89k▼
2023 · €97k
Income taxes
€3k▼
2023 · €14k
Staff costs
€17k▼
2023 · €40k
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
Balance sheet
Code20232024
Assets
Total assets20/58€311k€289k▼
Fixed assets21/28€163k€159k▼
Tangible fixed assets22/27€163k€159k▼
Land and buildings22€163k€157k▼
Furniture and vehicles24-€2k
Current assets29/58€148k€130k▼
Stocks and contracts in progress3€8k€18k▲
Stocks30/36€8k€18k▲
Amounts receivable within one year40/41€44k€61k▲
Trade receivables40€44k€39k▼
Other amounts receivable41-€22k
Cash at bank and in hand54/58€93k€40k▼
Deferred charges and accrued income490/1€3k€11k▲
Equity and liabilities
Total equity and liabilities10/49€311k€289k▼
Equity10/15€100k€112k▲
Contributions10/11€2k€2k=
Reserves13€98k€110k▲
Distributable reserves133€98k€110k▲
Profit (loss) carried forward14€319€358▲
Amounts payable17/49€211k€177k▼
Amounts payable after more than one year17€97k€89k▼
Financial debts170/4€97k€89k▼
Amounts payable within one year42/48€114k€88k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€4k€37k▲
Suppliers440/4€4k€37k▲
Taxes, remuneration and social security45€19k€14k▼
Taxes450/3€18k€14k▼
Remuneration and social security454/9€931-
Other amounts payable47/48€83k€29k▼
Income statement
Code20232024
Remuneration, social security and pensions62€40k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€948€35▼
Gross operating margin9900€109k€41k▼
Operating profit (loss)9901€58k€15k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€56k€15k▼
Income taxes67/77€14k€3k▼
Profit (loss) for the period9904€42k€12k▼
Profit (loss) for the period to be appropriated9905€42k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€12k▼
Profit (loss) brought forward from the previous period14P€635€319▼
Transfer to equity691/2€42k€12k▼
To other reserves6921€42k€12k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €12k ▼71.1%
Net result drops to €12k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €100k ▲71.1%
3 profitable years in a row build equity to €100k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Gembloux · 1 establishment unit since 2020
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.
Rue Haie Nicolas 155030 Gembloux1 establishment unit
TMB Technics
since 20202.306.724.336
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,934 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2020
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
43221Plumbing work
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filings
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.