TML INVEST
ActiveTML INVEST has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €136k and a net result of €-8k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63=
Solvency99▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 2.24 in 2024; short-term debt: 25.6% and cash: 1.3% of total assets), and 25.6% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
2 d early
2023
29 d late
2022
18 d early
2021
12 d early
2020
19 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€136k▼ 5.5%
2024 · €144k
2018: €185k
2019: €181k
2020: €175k
2021: €170k
2022: €166k
2023: €154k
2024: €144k
2018 → 2025
Total assets
€183k▼ 4.9%
2024 · €192k
2018: €216k
2019: €216k
2020: €217k
2021: €218k
2022: €207k
2023: €203k
2024: €192k
2018 → 2025
Net result
€-8k▲ 15.0%
2024 · €-9k
2018: €-7k
2019: €-3k
2020: €-7k
2021: €-5k
2022: €-4k
2023: €-12k
2024: €-9k
2018 → 2025
Working capital
€62k▲ 5.3%
2024 · €59k
2018: €30k
2019: €39k
2020: €44k
2021: €50k
2022: €58k
2023: €57k
2024: €59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€166k▼ 2.4%€154k▼ 7.4%€144k▼ 6.1%€136k▼ 5.5%
Operating result€-5k-€-4k▲ 22.4%€-12k▼ 216%€-9k▲ 24.3%€-8k▲ 15.0%
Net result€-5k-€-4k▲ 22.0%€-12k▼ 206%€-9k▲ 23.2%€-8k▲ 15.0%
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 stays negative: a loss of €8k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €183k
Fixed assets
€74k▼ 13.5%
Current assets
€109k▲ 1.9%
Equity and liabilities €183k
Equity
€136k▼ 5.5%
Debt
€47k▼ 3.0%
The debt ratio rises from 25.1% to 25.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▲
2024 · €2k
Cash flow
€4k▲
2024 · €2k
Solvency
74.4%▼
2024 · 74.9%
Current ratio
2.33▲
2024 · 2.24
Quick ratio
2.33▲
2024 · 2.24
Debt / equity
0.34▲
2024 · 0.33
ROE
-5.9%▲
2024 · -6.5%
ROA
-4.4%▲
2024 · -4.9%
Interest coverage
19.19▲
2024 · 10.40
Debt
€47k▼
2024 · €48k
Debt ≤ 1 year
€47k▼
2024 · €48k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€192k€183k▼
Fixed assets21/28€85k€74k▼
Tangible fixed assets22/27€85k€74k▼
Land and buildings22€85k€74k▼
Current assets29/58€107k€109k▲
Amounts receivable within one year40/41€106k€107k▲
Trade receivables40€106k€107k▲
Cash at bank and in hand54/58€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€192k€183k▼
Equity10/15€144k€136k▼
Contributions10/11€238k€238k=
Profit (loss) carried forward14€-94k€-102k▼
Amounts payable17/49€48k€47k▼
Amounts payable within one year42/48€48k€47k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€745€650▼
Taxes450/3€745€650▼
Other amounts payable47/48€42k€42k=
Accrued charges and deferred income492/3€387€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€387€828▲
Gross operating margin9900€3k€5k▲
Operating profit (loss)9901€-9k€-8k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€225€193▼
Recurring financial charges65€225€193▼
Profit (loss) for the period before taxes9903€-9k€-8k▲
Profit (loss) for the period9904€-9k€-8k▲
Profit (loss) for the period to be appropriated9905€-9k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-94k€-102k▼
Profit (loss) brought forward from the previous period14P€-84k€-94k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Torhout · 1 establishment unit since 2013
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.
Ieperse Heerweg 78820 TorhoutGround area
4,958 m²
Building footprint
229 m²
Volume, LiDAR
1,301 m³
Parcel 31523G0116/00F000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TML INVEST
since 20132.218.891.628
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31523G0116/00F000 | Flanders | 4,958 m² | 1 · 229 m² | 8.3 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.
Similar companies · same sector, comparable size
S & L INVEST
BE 0425.332.429
Heist-op-den-Berg · Eq €137k
TERREINENBEHEER
BE 0509.981.854
Wetteren · Eq €135k
Padel 2000
BE 0728.651.033
Antwerpen · Eq €139k
AGRIFRAM D&D
BE 0465.947.319
Frameries · Eq €133k
AMW & Co
BE 0446.151.894
Zandhoven · Eq €132k
Of 587 companies in sector 68204 we hold annual accounts for 317. 214 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-05-2013
Fiscal year end31-12
Activities, NACEBEL
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.