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TMC CONSTRUCT

Active
Private limited companyfounded 2015active for 11 yearsChaussée de Bruxelles 365, 6020 Charleroi, BelgiumKBO/BCE: BE 0568.987.647
Summary

The computed 12-month bankruptcy probability of TMC CONSTRUCT is 2.0% (moderate). The 2025 annual accounts show equity of €42,939 and a net result of €3,330. Equity has been growing by about 11% per year since 2018. Its solvency ranks better than 33% of 2,797 sector peers (NACE 41, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 23-01-2015 Normal situation
Activity
General construction of residential buildings NACE 41001and 1 other
Establishment unit
2.239.108.606 6042 Charleroi, since 23-01-2015
Financial year end
31 December
Peppol
Reachable

Board and ownership

Board

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.0%
Annual accounts 2025
Gross margin
€68,265
▲ 277%
Turnover
≈ €280,000
estimated
Profit
€3,330
▼ 4.4%
Equity
€42,939
▲ 8.4%
Total assets
€177,081
▲ 6.0%
Staff
≈ 1.2 FTE
estimated
  • 2025 accounts filed 40 days after the deadline
Filed on 09-09-2026
Score breakdownraises riskLast filed accounts filed 40 days late; 3 of the last 3 accounts lateSector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €177,081lowers riskFounded in 2015Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 35% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Average
Solvency 49=
equity 24.2% of total assets
Liquidity 16-4
short-term debt 75.8% · cash 5.4%
Profitability 71=
return on assets 1.9%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,452 companies, NACE 41, micro)
Last 24 months 12-2024: 2.9% 01-2025: 2.8%▼ -0.1 percentage points vs 12-2024 02-2025: 2.8%● unchanged vs 01-2025 03-2025: 2.8%● unchanged vs 02-2025 04-2025: 2.8%● unchanged vs 03-2025 05-2025: 2.7%▼ -0.1 percentage points vs 04-2025 06-2025: 2.7%● unchanged vs 05-2025 07-2025: 2.4%▼ -0.3 percentage points vs 06-2025 08-2025: 3.0%▲ +0.6 percentage points vs 07-2025 09-2025: 3.6%▲ +0.6 percentage points vs 08-2025highest value 10-2025: 2.3%▼ -1.3 percentage points vs 09-2025 11-2025: 2.4%▲ +0.1 percentage points vs 10-2025 12-2025: 2.4%● unchanged vs 11-2025 01-2026: 2.4%● unchanged vs 12-2025 02-2026: 2.3%▼ -0.1 percentage points vs 01-2026 03-2026: 2.3%● unchanged vs 02-2026 04-2026: 2.3%● unchanged vs 03-2026 05-2026: 2.2%▼ -0.1 percentage points vs 04-2026 06-2026: 2.1%▼ -0.1 percentage points vs 05-2026 07-2026: 2.2%▲ +0.1 percentage points vs 06-2026 08-2026: 2.9%▲ +0.7 percentage points vs 07-2026 09-2026: 3.2%▲ +0.3 percentage points vs 08-2026 10-2026: 2.0%▼ -1.2 percentage points vs 09-2026lowest value 11-2026: 2.0%● unchanged vs 10-2026lowest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.12 (1.02 in 2024), below the usual 1.5. Short-term debt is 75.8% and cash 5.4% of total assets. 75.8% of the assets are financed with debt and provisions.
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 41, micro). It does better than 31% of them on solvency, 13% on liquidity, 44% on profitability and 51% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 40 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Founded in 2015
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €177,081
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 2025 accounts filed 40 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
40 days late
2024
47 days late
2023
36 days late
2022
on the day
2021
95 days late
2020
89 days late
2019
61 days late
← 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 53 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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 9 September (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 8 profitable years in a rowprofit 2025: €3,330 8 years View

Recent changes

  1. · Gazette deed Purpose · Amendment of the articles · Legal-form change · Resignations & appointmentsChange of role: BENKADDOUR Amine, from manager to director
  2. · Gazette deed Withdrawal: LAKHSIM Absadirk (associé actif)
  3. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as TMC CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €149,000 and €193,000, founded between 2013 and 2015.

CompanyTotal assetsGross margin
TMC CONSTRUCT Charleroi€177,081€68,265
INNOV CONSTRUCT Dour€172,746€67,635
F.A-CONSTRUCT La Louvière€148,784€68,355
M.B.U. CONCEPT Mons€168,087€56,273
DN CONCEPT Binche€193,038€78,246
ANE Consult & Service Lievegem€189,385€71,752
BOUWWERKEN MOENS Kruisem€172,789€64,884
Full comparison

Key facts about TMC CONSTRUCT

What is the company number of TMC CONSTRUCT?
The company number of TMC CONSTRUCT is 0568.987.647. The VAT number is the same number with BE in front: BE 0568.987.647.
Where is TMC CONSTRUCT based?
The registered office is at Chaussée de Bruxelles 365, 6020 Charleroi.Company details
What does TMC CONSTRUCT do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of TMC CONSTRUCT?
The legal form of TMC CONSTRUCT is Private limited company (BV).
When was TMC CONSTRUCT founded?
TMC CONSTRUCT was founded on 23-01-2015.
Is TMC CONSTRUCT still active?
Yes, TMC CONSTRUCT is an active enterprise in the KBO register.
What is the turnover of TMC CONSTRUCT?
The turnover in financial year 2025 is ≈ €280,000. This figure is estimated from the gross margin of €68,265 and 41 comparable companies (NACE 41001). It probably lies between €190,000 and €400,000.Financials
Is TMC CONSTRUCT profitable?
In financial year 2025, TMC CONSTRUCT made a profit of €3,330.
Where can I find the annual accounts of TMC CONSTRUCT?
TMC CONSTRUCT filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TMC CONSTRUCT due?
TMC CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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