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Tournai Logement

Active
Non-profit associationfounded 1994active for 32 yearsRue As-Pois(TOU) 4, 7500 Tournai, Belgium10 active companies are registered at this addressKBO/BCE: BE 0453.400.368
Summary

Tournai Logement has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €843,590 and a net result of €90,967. Equity is growing by about 10% per year across the filed financial years. Its solvency ranks better than 78% of 5,697 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Activity
Real estate agency activities
NACE 68310
1 site
Size
€1.1mtotal assets 2025
Staff
5.7 FTE
Equity
€843,590
Surplus
€90,967
Financial health
98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Board
21 members
Accounts 4 days early
Why 98raises risk1 change of registered office in 24 monthslowers riskLegal form: non-profit associationLiquidity: current ratio 4.62, cash €919,473Equity €843,590 (76.2% of total assets)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 82% of its sector peers (NACE 68, micro)
Financial strength · tick = 2024
Strong
Solvency 100=
equity 76.2% of total assets
Liquidity 94+3
short-term debt 19.0% · cash 83.0%
Profitability 79-8
return on assets 8.2%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,589 companies, NACE 68, micro)
Last 24 months 11-2024: < 0.1%highest value 12-2024: < 0.1%● unchanged vs 11-2024highest value 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €80,000 on 30-day terms is acceptable
Liquidity ample (current ratio 4.62, compared with 4.2 in 2024, above the usual 1.5; short-term debt: 19% and cash: 83% of total assets), and 23.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 68, micro): better than 91% on solvency, 93% on liquidity, 76% on profitability and 68% on growth.

The bankruptcy probability was computed on 16-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Legal form: non-profit association
KBO
lowers risk · Liquidity: current ratio 4.62, cash €919,473
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Equity €843,590 (76.2% of total assets)
NBB · annual accounts
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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
4 days early
2024
18 days late
2023
20 days late
2022
18 days early
2021
58 days late
2020
423 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 83 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% 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 18 August (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven months
Where today falls in the filing period
16-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Registered officeRegistered-office move
  3. Appointments: BOULANT Yvan, GLORIEUX Virginie and…Reappointments: DINOIR Grégory, VALTER Alexis…

Key points

  • Board changedlatest change 25-11-2025 · 21 in office 13 joined · 9 left View
  • Caution: Result fell in 2025from €142,821 to €90,967 ▼ 36.3% View
  • Positive: 6 profitable years in a rowprofit 2025: €90,967 6 years View

By topic

Financials

Financial year
2025
Total assets
€1.1m
Profit
€90,967
Solvency
76.2%
Total assets▲ 12.3%
Net result
20202025
Go to Financials

Board & ownership

Board
21 members
  • VALTER AlexisChair
  • Dinoir GrégoryDaily manager
  • Deleruelle DidierDirector
  • Delzenne MartineDirector
  • DESCARPENTRY SandrinaDirector

and 16 other directors

Go to Board & ownership

Timeline

Events
25
Since
2013
Next accounts
by 31-07-2027
  1. 18-08-2025Annual accounts filed
  2. 31-12-2024Highest result from 2020 to 2025
  3. 05-11-2024Appointment: Sintobin Lindsay (délégation à la gestion…
Go to Timeline

Company details

Sites
1
Legal form
Non-profit association
Activity
Real estate agency activitiesNACE 68310
Founded
18-01-1994
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
51
Purpose
“De rechercher la meilleure adéquation possible entre l'offre en logements potentiels…” (deed in French)
Go to Articles of association

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