TNCM partners

Active

Private limited companyfounded 20251 yr activeArmand Demeulemeesterstr. 32, 9600 Ronse, BelgiumKBO/BCE: BE 1019.143.663

TNCM partners has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €24k. Its solvency ranks better than 44% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2025

80 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency69

Growth-

Track record67

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity tight (current ratio 1.39; short-term debt: 55.9% and cash: 45.5% of total assets), and 55.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 82

Relative position

BE, all sectors

reference

Sector 82

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

44.1%

Return on assets

39.2%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 1 filing

Deviation from the deadline

2025

24 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€27k

Total assets

€61k

Net result

€24k

Working capital

€13k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €61k

22.5%

77.5%

Fixed assets €14k

Current assets €47k

Equity and liabilities €61k

44.1%

55.9%

Equity €27k

Debt €34k

Debt finances 55.9% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€35k

Cash flow

€25k

Solvency

44.1%

Current ratio

1.39

Quick ratio

1.39

Debt / equity

1.27

ROE

88.9%

ROA

39.2%

Interest coverage

133.79

Debt

€34k

Debt ≤ 1 year

€34k

Income taxes

€9k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€61k

Fixed assets21/28€14k

Tangible fixed assets22/27€14k

Plant, machinery and equipment23€3k

Furniture and vehicles24€11k

Current assets29/58€47k

Amounts receivable within one year40/41€19k

Trade receivables40€19k

Other amounts receivable41€27

Cash at bank and in hand54/58€28k

Deferred charges and accrued income490/1€793

Equity and liabilities

Total equity and liabilities10/49€61k

Equity10/15€27k

Contributions10/11€3k

Reserves13€24k

Distributable reserves133€24k

Amounts payable17/49€34k

Amounts payable within one year42/48€34k

Trade debts44€13k

Suppliers440/4€13k

Taxes, remuneration and social security45€19k

Taxes450/3€16k

Remuneration and social security454/9€4k

Other amounts payable47/48€2k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€972

Other operating charges640/8€3k

Gross operating margin9900€37k

Operating profit (loss)9901€34k

Financial income75/76B€11

Recurring financial income75€11

Financial charges65/66B€258

Recurring financial charges65€258

Profit (loss) for the period before taxes9903€33k

Income taxes67/77€9k

Profit (loss) for the period9904€24k

Profit (loss) for the period to be appropriated9905€24k

Appropriation of the result

Profit (loss) to be appropriated9906€24k

Transfer to equity691/2€24k

To other reserves6921€24k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 24 days late

NBB filing

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, Ronse · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Armand Demeulemeesterstr. 329600 Ronse

Ground area

363 m²

Building footprint

86 m²

Volume, LiDAR

551 m³

Parcel 45422C0165/00S000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

TNCM partners

Armand Demeulemeesterstr. 32, 9600 RonseSite preparation

since 20252.369.991.201

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45422C0165/00S000	Flanders	363 m²	1 · 86 m²	8.9 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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 59 EUR awarded · 59 EUR paid

Year	Entries	awarded	paid
2025	1	59 EUR	59 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 59 EUR · 59 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Heist-op-den-Berg · Eq €27k

DJEMAT

BE 0790.336.204

Anderlecht · Eq €27k

Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,385 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded24-01-2025

Fiscal year end31-12

Activities, NACEBEL

82100Office administrative and support services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.