TRAVO GROUP
ActiveSummary
TRAVO GROUP has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €-2k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+35
Solvency71▲+20
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.51 against 1.16 in 2024; short-term debt: 34.9% and cash: 9.1% of total assets), but 54.3% 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.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
45.7%
Return on assets
-1.5%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
15 d early
2024
23 d early
2023
54 d late
2022
3 d early
2021
38 d early
2020
59 d late
2019
30 d early
← 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
€67k▲ 57.8%
2024 · €43k
2018: €16k
2019: €33k
2020: €90k
2021: €71k
2022: €73k
2023: €65k
2024: €43k
2018 → 2025
Total assets
€147k▼ 10.2%
2024 · €164k
2018: €28k
2019: €110k
2020: €152k
2021: €153k
2022: €144k
2023: €148k
2024: €164k
2018 → 2025
Net result
€-2k▲ 88.2%
2024 · €-19k
2018: €6k
2019: €17k
2020: €57k
2021: €-20k
2022: €3k
2023: €-9k
2024: €-19k
2018 → 2025
Working capital
€78k▲ 507%
2024 · €13k
2018: €15k
2019: €47k
2020: €65k
2021: €48k
2022: €54k
2023: €39k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€73k▲ 3.8%€65k▼ 11.9%€43k▼ 33.9%€67k▲ 57.8%
Operating result€-19k-€4k€-5k€-15k▼ 197%€3k
Net result€-20k-€3k€-9k€-19k▼ 112%€-2k▲ 88.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€18k ▼ 74.0%
Current assets
€129k ▲ 36.0%
Equity and liabilities €147k
Equity
€67k ▲ 57.8%
Debt
€80k ▼ 34.1%
Debt's share of the balance-sheet total falls from 74.0% to 54.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €78
Cash flow
€9k▲
2024 · €-3k
Current ratio
2.51▲
2024 · 1.16
Debt to equity
1.19▼
2024 · 2.84
ROE
-3.2%▲
2024 · -43.4%
ROA
-1.5%▲
2024 · -11.3%
Interest coverage
2.79▲
2024 · 0.03
Debt ≤ 1 year
€51k▼
2024 · €82k
Debt > 1 year
€28k▼
2024 · €39k
Income taxes
€287▼
2024 · €302
Staff costs
€111k▲
2024 · €97k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€164k€147k▼
Fixed assets21/28€69k€18k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€64k€13k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€56k€5k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€2k€2k=
Current assets29/58€95k€129k▲
Amounts receivable within one year40/41€90k€113k▲
Trade receivables40€74k€113k▲
Other amounts receivable41€15k€393▼
Current investments50/53€51€40▼
Cash at bank and in hand54/58€2k€13k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€164k€147k▼
Equity10/15€43k€67k▲
Contributions10/11€10k€10k=
Reserves13€63k€57k▼
Distributable reserves133€63k€57k▼
Profit (loss) carried forward14€-31k-
Amounts payable17/49€121k€80k▼
Amounts payable after more than one year17€39k€28k▼
Financial debts170/4€39k€28k▼
Amounts payable within one year42/48€82k€51k▼
Current portion of amounts payable after more than one year42€14k€11k▼
Financial debts43€1k€24▼
Credit institutions430/8€1k€24▼
Trade debts44€12k€16k▲
Suppliers440/4€12k€16k▲
Taxes, remuneration and social security45€11k€11k▼
Taxes450/3€366€1k▲
Remuneration and social security454/9€11k€10k▼
Other amounts payable47/48€44k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€97k€111k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€11k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€1k€8k▲
Gross operating margin9900€101k€136k▲
Operating profit (loss)9901€-15k€3k▲
Financial income75/76B€2€2▲
Recurring financial income75€2€2▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-18k€-2k▲
Income taxes67/77€302€287▼
Profit (loss) for the period9904€-19k€-2k▲
Profit (loss) for the period to be appropriated9905€-19k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-33k▼
Profit (loss) brought forward from the previous period14P€-12k€-31k▼
Transfer from equity791/2-€6k
Shareholders' contribution to the loss794-€27k
The notes to these accounts (12 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.51
Current ratio from 1.16 to 2.51; short-term debt falls from €82k to €51k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-20k ▼134%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
31-12
Financial
Highest result since 2018net €57k ▲240%
Operating result €82k, net result €57k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Mons · 1 establishment unit since 2019
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.
Rue du Chemin de fer (C.) 37033 MonsGround area
1,525 m²
Building footprint
280 m²
Volume, LiDAR
1,549 m³
Parcel 53019B0622/00M000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Batibo Concept
since 20192.288.581.277
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019B0622/00M000 | Wallonia | 1,525 m² | 1 · 280 m² | 8.6 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.
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,232 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
Founded05-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
43320Joinery installation
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@batibo.be
Phone:+32499818107