TMTS algemene interieur
ActiveSummary
TMTS algemene interieur has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €5k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+18
Solvency38▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.88 in 2024; short-term debt: 10.3% of total assets), and 87.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12.9%
Return on assets
1.6%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
37 d early
2022
11 d late
2021
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 14.5%
2024 · €34k
2021: €23k
2022: €38k
2023: €41k
2024: €34k
2021 → 2025
Total assets
€301k▼ 3.1%
2024 · €311k
2021: €45k
2022: €53k
2023: €334k
2024: €311k
2021 → 2025
Net result
€5k
2024 · €-8k
2021: €21k
2022: €15k
2023: €3k
2024: €-8k
2021 → 2025
Working capital
€-2k▲ 42.9%
2024 · €-4k
2021: €-8k
2022: €4k
2023: €-4k
2024: €-4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€38k▲ 66.5%€41k▲ 7.9%€34k▼ 18.2%€39k▲ 14.5%
Operating result€25k-€23k▼ 9.7%€16k▼ 31.4%€6k▼ 64.9%€15k▲ 179%
Net result€21k-€15k▼ 25.3%€3k▼ 80.1%€-8k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 179% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €301k
Fixed assets
€272k ▼ 4.6%
Current assets
€29k ▲ 13.4%
Equity and liabilities €301k
Equity
€39k ▲ 14.5%
Debt
€262k ▼ 5.3%
Debt's share of the balance-sheet total falls from 89.1% to 87.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▲
2024 · €30k
Cash flow
€30k▲
2024 · €17k
Current ratio
0.93▲
2024 · 0.88
Debt to equity
6.77▼
2024 · 8.19
ROE
12.7%▲
2024 · -22.3%
ROA
1.6%▲
2024 · -2.4%
Interest coverage
3.69▲
2024 · 2.24
Debt ≤ 1 year
€31k▲
2024 · €29k
Debt > 1 year
€231k▼
2024 · €248k
Income taxes
€245▼
2024 · €269
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€311k€301k▼
Fixed assets21/28€285k€272k▼
Tangible fixed assets22/27€285k€272k▼
Land and buildings22€265k€256k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€13k€11k▼
Other tangible fixed assets26€786€0▼
Current assets29/58€26k€29k▲
Amounts receivable within one year40/41€16k€27k▲
Trade receivables40€5k€14k▲
Other amounts receivable41€11k€13k▲
Cash at bank and in hand54/58€7k-
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€311k€301k▼
Equity10/15€34k€39k▲
Contributions10/11€3k€3k=
Reserves13€31k€36k▲
Non-distributable reserves130/1€250€250=
Reserves not available under the articles1311€250€250=
Distributable reserves133€31k€36k▲
Amounts payable17/49€277k€262k▼
Amounts payable after more than one year17€248k€231k▼
Financial debts170/4€248k€231k▼
Amounts payable within one year42/48€29k€31k▲
Current portion of amounts payable after more than one year42€16k€16k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€13k€11k▼
Suppliers440/4€13k€11k▼
Taxes, remuneration and social security45€533€515▼
Taxes450/3€533€515▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€32k€43k▲
Operating profit (loss)9901€6k€15k▲
Financial income75/76B€680€646▼
Recurring financial income75€680€646▼
Financial charges65/66B€13k€11k▼
Recurring financial charges65€13k€11k▼
Profit (loss) for the period before taxes9903€-7k€5k▲
Income taxes67/77€269€245▼
Profit (loss) for the period9904€-8k€5k▲
Profit (loss) for the period to be appropriated9905€-8k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€5k▲
Transfer from equity791/2€8k-
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-8k ▼348%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Bocholt · 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.
Brogelerweg 453950 BocholtGround area
742 m²
Building footprint
206 m²
Volume, LiDAR
851 m³
Parcel 72003C0367/00K002, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TMTS algemene interieur
since 20202.310.329.865
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003C0367/00K002 | Flanders | 742 m² | 1 · 206 m² | 9.0 m · 1 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
BeKZ
BE 0542.402.917
Knokke-Heist · Eq €38,723
Nodge Construct
BE 0788.618.017
Wingene · Eq €38,728
Domein MASE
BE 0400.936.236
Maaseik · Eq €38,738
MAGDA IMMO
BE 0883.283.780
Le Roeulx · Eq €38,710
DK Stables & Fences
BE 0779.489.921
Oudsbergen · Eq €38,749
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 4,789 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.