TRADIA
ActiveSummary
The computed 12-month bankruptcy probability of TRADIA is 4.2% (elevated). The 2024 annual accounts show equity of €114,129 and a net result of -€748. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 397 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability36▼-64
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days only on tighter terms
Liquidity ample (current ratio 4.41 against 4.45 in 2023; short-term debt: 22.7% and cash: 9.8% of total assets), and 22.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 61
Relative position
BE, all sectors
reference
Telecommunications (NACE 61)
about 159% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
77.1%
Return on assets
-0.5%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-05-2026, 285 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
285 d late
2023
586 d late
2022
121 d late
2021
407 d late
2020
111 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 302 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€114,129▼ 0.7%
2023 · €114,877
Total assets
€147,974▼ 0.5%
2023 · €148,789
Net result
-€748
2023 · €49,544
Working capital
€114,304▼ 0.8%
2023 · €115,277
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 61, Telecommunications, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€43,474-€23,850▼ 45.1%€22,551▼ 5.4%€78,563▲ 248%€5,301▼ 93.3%
Net result€31,857above the sector's middle half-€17,461within the sector's middle half▼ 45.2%€15,015within the sector's middle half▼ 14.0%€49,544above the sector's middle half▲ 230%-€748within the sector's middle half
Equity€32,857within the sector's middle half-€50,318within the sector's middle half▲ 53.1%€65,332within the sector's middle half▲ 29.8%€114,877above the sector's middle half▲ 75.8%€114,129above the sector's middle half▼ 0.7%
Total assets€57,423within the sector's middle half-€99,265within the sector's middle half▲ 72.9%€107,149within the sector's middle half▲ 7.9%€148,789within the sector's middle half▲ 38.9%€147,974within the sector's middle half▼ 0.5%
Debt€24,566-€48,947▲ 99.2%€41,816▼ 14.6%€33,912▼ 18.9%€33,845▼ 0.2%
Working capital€32,735within the sector's middle half-€50,196within the sector's middle half▲ 53.3%€65,210within the sector's middle half▲ 29.9%€115,277above the sector's middle half▲ 76.8%€114,304above the sector's middle half▼ 0.8%
Solvency57.2%within the sector's middle half-50.7%within the sector's middle half▼ 6.5pp61.0%within the sector's middle half▲ 10.3pp77.2%above the sector's middle half▲ 16.2pp77.1%above the sector's middle half▼ 0.1pp
Current ratio2.33within the sector's middle half-2.03within the sector's middle half▼ 0.312.56within the sector's middle half▲ 0.534.45above the sector's middle half▲ 1.894.41above the sector's middle half▼ 0.05
Return on assets (ROA)55.5%above the sector's middle half-17.6%within the sector's middle half▼ 37.9pp14.0%within the sector's middle half▼ 3.6pp33.3%above the sector's middle half▲ 19.3pp-0.5%within the sector's middle half▼ 33.8pp
above
within
below
the middle half (P25 to P75) of NACE 61, Telecommunications, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 93% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €147,974
Fixed assets
€122 =
Current assets
€147,852 ▼ 0.5%
Equity and liabilities €147,974
Equity
€114,129 ▼ 0.7%
Debt
€33,845 ▼ 0.2%
Debt's share of the balance-sheet total rises from 22.8% to 22.9%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.30▲
2023 · 0.30
ROE
-0.7%▼
2023 · 43.1%
Debt ≤ 1 year
€33,548▲
2023 · €33,390
Income taxes
€1,517▼
2023 · €26,099
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,442 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.1%
went bankrupt
7.3%
stopped otherwise
90%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,442 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | €1,853 | €2,152 | ▲ 16.1% |
| Gross operating margin9900 | €43,474 | €23,850 | €22,551 | €80,415 | €7,452 | ▼ 90.7% |
| Operating profit (loss)9901 | €43,474 | €23,850 | €22,551 | €78,563 | €5,301 | ▼ 93.3% |
| Financial income75/76B | - | - | €129 | €58 | €56 | ▼ 3.7% |
| Recurring financial income75 | - | - | €129 | €58 | €56 | ▼ 3.7% |
| Financial charges65/66B | - | €823 | €889 | €2,978 | €4,588 | ▲ 54.1% |
| Recurring financial charges65 | €31 | €823 | €889 | €2,978 | €4,588 | ▲ 54.1% |
| Profit (loss) for the period before taxes9903 | €43,443 | €23,027 | €21,792 | €75,643 | €769 | ▼ 99.0% |
| Income taxes67/77 | €11,586 | €5,566 | €6,777 | €26,099 | €1,517 | ▼ 94.2% |
| Profit (loss) for the period9904 | €31,857 | €17,461 | €15,015 | €49,544 | -€748 | ▼ 102% |
| Profit (loss) for the period to be appropriated9905 | €31,857 | €17,461 | €15,015 | €49,544 | -€748 | ▼ 102% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €57,423 | €99,265 | €107,149 | €148,789 | €147,974 | ▼ 0.5% |
| Fixed assets21/28 | €122 | €122 | €122 | €122 | €122 | = |
| Financial fixed assets28 | €122 | €122 | €122 | €122 | €122 | = |
| Current assets29/58 | €57,301 | €99,143 | €107,027 | €148,667 | €147,852 | ▼ 0.5% |
| Amounts receivable within one year40/41 | €17,659 | €66,140 | €86,905 | €78,454 | €133,225 | ▲ 69.8% |
| Trade receivables40 | - | €65,521 | €75,791 | €70,237 | €126,234 | ▲ 79.7% |
| Other amounts receivable41 | - | €619 | €11,115 | €8,217 | €6,991 | ▼ 14.9% |
| Cash at bank and in hand54/58 | €39,642 | €32,833 | €20,121 | €70,187 | €14,432 | ▼ 79.4% |
| Deferred charges and accrued income490/1 | - | €170 | €0 | €27 | €194 | ▲ 627% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €57,423 | €99,265 | €107,149 | €148,789 | €147,974 | ▼ 0.5% |
| Equity10/15 | €32,857 | €50,318 | €65,332 | €114,877 | €114,129 | ▼ 0.7% |
| Contributions10/11 | - | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Capital10 | - | €1,000 | €1,000 | - | - | - |
| Issued capital100 | - | €1,000 | €1,000 | - | - | - |
| Reserves13 | €31,500 | €31,500 | €46,515 | €94,295 | €94,295 | = |
| Distributable reserves133 | - | €31,500 | €46,515 | €94,295 | €94,295 | = |
| Profit (loss) carried forward14 | €357 | €17,818 | €17,818 | €19,582 | €18,834 | ▼ 3.8% |
| Amounts payable17/49 | €24,566 | €48,947 | €41,816 | €33,912 | €33,845 | ▼ 0.2% |
| Amounts payable within one year42/48 | €24,566 | €48,947 | €41,816 | €33,390 | €33,548 | ▲ 0.5% |
| Financial debts43 | - | - | €189 | - | - | - |
| Credit institutions430/8 | - | - | €189 | - | - | - |
| Trade debts44 | €2,330 | €2,783 | €6,198 | €5,813 | €8,884 | ▲ 52.8% |
| Suppliers440/4 | - | €2,783 | €6,198 | €5,813 | €8,884 | ▲ 52.8% |
| Taxes, remuneration and social security45 | - | €44,648 | €33,913 | €27,577 | €24,664 | ▼ 10.6% |
| Taxes450/3 | - | €20,850 | €26,861 | €27,577 | €24,664 | ▼ 10.6% |
| Remuneration and social security454/9 | - | €23,798 | €7,052 | - | - | - |
| Other amounts payable47/48 | - | €1,516 | €1,516 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €522 | €298 | ▼ 43.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,857 | €17,461 | €15,015 | €49,544 | -€748 | ▼ 102% |
| Operating cash flow (approximation) | €31,857 | €17,461 | €15,015 | €49,544 | -€748 | ▼ 102% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€6,809 | -€12,712 | €50,065 | -€55,754 | ▼ 211% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
12-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 285 days late
09-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 586 days late
2024
31-12
Financial
Weakest financial yearnet -€748
Net result drops to -€748, the lowest in the series.
2023
31-12
Financial
Highest result since 2020net €49,544 ▲230%
Operating result €78,563, net result €49,544, both a record.
31-12
Financial
Equity above €100,000Eq €114,877 ▲75.8%
4 profitable years in a row build equity to €114,877.
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
11-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 407 days late
2021
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 111 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Charleroi · 1 establishment unit since 2020
Ground area
603 m²
Building footprint
104 m²
Volume, LiDAR
716 m³
Parcel 52412A0846/00E000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TRADIA
since 20202.299.861.981
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52412A0846/00E000 | Wallonia | 603 m² | 1 · 104 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,158 companies in sector 61200 we hold annual accounts for 696. 471 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
61200Telecommunications resale and intermediation services
47400Retail sale of information and communication equipment
61100Wired, wireless and satellite telecommunications
62900Other information technology and computer services
Contact
Website
www.tradia.be
E-mail
nicolas@tradia.be
E-invoicing
Reachable via Peppol
Peppol ID
9925:BE0744672463
Registered
12-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.