TRAVACO
ActiveTRAVACO has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €202k and a net result of €-6k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 46% of 4219 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-28
Solvency51▼-39
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity short (current ratio 0.8 against 1.7 in 2024), and 64.5% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
12 d early
2023
9 d early
2022
24 d early
2021
23 d late
2020
3 d early
2019
7 d late
← 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€202k▼ 2.8%
2024 · €207k
2022: €190k
2023: €196k
2024: €207k
2022 → 2025
Total assets
€568k▲ 48.8%
2024 · €382k
2022: €267k
2023: €381k
2024: €382k
2022 → 2025
Net result
€-6k
2024 · €12k
2022: €10k
2023: €5k
2024: €12k
2022 → 2025
Working capital
€-68k
2024 · €113k
2022: €74k
2023: €96k
2024: €113k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€190k-€196k▲ 2.8%€207k▲ 5.9%€202k▼ 2.8%
Operating result€12k-€7k▼ 42.7%€14k▲ 97.1%€-4k
Net result€10k-€5k▼ 45.2%€12k▲ 119%€-6k
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 turns negative in 2025: a loss of €4k after €14k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €568k
Fixed assets
€291k▲ 172%
Current assets
€277k▲ 0.9%
Equity and liabilities €568k
Equity
€202k▼ 2.8%
Debt
€366k▲ 110%
The debt ratio rises from 45.7% to 64.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€42k▼
2024 · €56k
Cash flow
€40k▼
2024 · €54k
Solvency
35.5%▼
2024 · 54.3%
Current ratio
0.80▼
2024 · 1.70
Quick ratio
0.78▼
2024 · 1.64
Debt / equity
1.82▲
2024 · 0.84
ROE
-2.8%▼
2024 · 5.6%
ROA
-1.0%▼
2024 · 3.0%
Interest coverage
25.56▼
2024 · 42.97
Debt
€366k▲
2024 · €175k
Debt ≤ 1 year
€345k▲
2024 · €161k
Debt > 1 year
€21k▲
2024 · €13k
Income taxes
€0▼
2024 · €1k
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
Total assets
20/58€382k€568k▲
Fixed assets
21/28€107k€291k▲
Intangible fixed assets
21€0€0=
Tangible fixed assets
22/27€106k€289k▲
Financial fixed assets
28€1k€2k▲
Current assets
29/58€275k€277k▲
Stocks & contracts in progress
3€10k€9k▼
Amounts receivable within one year
40/41€174k€158k▼
Cash & bank
54/58€88k€106k▲
Total equity & liabilities
10/49€382k€568k▲
Equity
10/15€207k€202k▼
Contributions / capital
10/11€156k€156k=
Reserves
13€51k€48k▼
Accumulated profits (losses)
14-€-3k
Amounts payable
17/49€175k€366k▲
Amounts payable after one year
17€13k€21k▲
Amounts payable within one year
42/48€161k€345k▲
Trade debts payable within one year
44€12k€15k▲
Income statement
Code20242025
Gross operating margin
9900€59k€44k▼
Operating result
9901€14k€-4k▼
Financial income
75€11€22▲
Financial charges
65€1k€2k▲
Result before taxes
9903€13k€-6k▼
Income taxes
67/77€1k€0▼
Net result for the period
9904€12k€-6k▼
Result to be appropriated
9905€12k€-6k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-6k ▼149%
Net result drops to €-6k, the lowest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €12k ▲119%
Operating result €14k, net result €12k, both a record.
31-12
Financial
Equity above €200kEq €207k ▲5.9%
3 profitable years in a row build equity to €207k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 10 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
RS TRANS
BE 0883.481.047
Laakdal · Eq €202k
TURBO TRANS
BE 0444.250.003
Knokke-Heist · Eq €202k
LIEGE CARGO SHUTTLE
BE 0760.436.448
Grâce-Hollogne · Eq €202k
OTTEN DELHEZ
BE 0415.934.020
Dalhem · Eq €202k
ILGIN
BE 0521.940.865
Stabroek · Eq €202k
Of 12,427 companies in sector 49410 we hold annual accounts for 7,851. 5,989 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-1992
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
46630Wholesale trade
47551Retail sale of household furniture
47591Retail trade
62020IT consultancy
62200Computer consultancy and computer facilities management
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 01-08-2026. Scores and ratios are computed by Checked and are not a credit decision.