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TRIMONIA

Active
Private limited companyfounded 20206 yrs activeHeerbaan(MAZ) 43, 1745 Opwijk, BelgiumKBO/BCE: BE 0751.652.208
Summary

TRIMONIA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160,738 and a net result of -€53,404. Equity is growing by ~4.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Activity not known1 site
Size
€558,829total assets 2025
Equity
€160,738
Loss
-€53,404
Turnover not published (abridged schema)
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 1 d early0 of 1 deed read
Why 87- Loss of €53,404 (FY 2025)+ Size: total assets €558,829+ No main activity registered+ Figures for FY 2025 (filed 30-07-2026)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 32% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency 54-10
equity 28.8% of total assets
Liquidity 77+4
short-term debt 7.8% · cash 21.5%
Profitability 7-45
return on assets -9.6%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%▲ +4.0% vs 01-2025 03-2025: 0.1%▲ +1.9% vs 02-2025 04-2025: 0.1%▼ -2.8% vs 03-2025 05-2025: 0.1%▲ +8.7% vs 04-2025 06-2025: 0.1%▲ +31.9% vs 05-2025 07-2025: 0.2%▲ +6.0% vs 06-2025 08-2025: 0.3%▲ +100% vs 07-2025highest value 09-2025: 0.1%▼ -72.2% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%▼ -5.7% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▲ +4.8% vs 01-2026 03-2026: 0.1%▲ +1.1% vs 02-2026 04-2026: 0.1%▼ -8.0% vs 03-2026lowest value 05-2026: 0.1%▲ +8.6% vs 04-2026 06-2026: 0.1%▲ +21.6% vs 05-2026 07-2026: 0.1%▲ +14.0% vs 06-2026 08-2026: 0.2%▲ +59.8% vs 07-2026 09-2026: 0.2%▲ +3.1% vs 08-2026 10-2026: 0.2%▼ -10.4% vs 09-2026
  • Size: total assets €558,829 lowers the probability for this profile
  • Loss of €53,404 (FY 2025) raises the probability
  • No main activity registered lowers the probability
  • Figures for FY 2025 (filed 30-07-2026) lowers the probability
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 3.25 against 3.36 in 2024; short-term debt: 7.8% and cash: 21.5% of total assets), but 71.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 32%, liquidity 71%, profitability 10%, growth against the median 13%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €558,829
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Loss of €53,404 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · No main activity registered
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Figures for FY 2025 (filed 30-07-2026)
In the bankruptcy model this factor lowers the probability.
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
1 d early
2024
7 d late
2023
29 d late
2022
13 d early
2021
67 d early
2020
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 2 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 30 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Weakest financial yearnet -€53,404
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Financials · fiscal year 2025, abbreviated schema

Equity
€160,738▼ 31.9%
2024 · €236,118
Total assets
€558,829▼ 7.5%
2024 · €604,234
Net result
-€53,404
2024 · €14,669
Working capital
€98,180▲ 13.0%
2024 · €86,906
Trend over the years

2021 to 2025, 5 fiscal years 2020 to 2025, 6 fiscal years

The operating result turns negative in 2025: a loss of €38,045 after €37,966 in 2024, the lowest result in the available series.

What the company sold each fiscal year and what was left of it. A loss stands below the zero line.

Operating result-€38,045 2025 Net result-€53,404 2025

Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202020212022202320242025
Operating result€32,464-€73,872▲ 128%€43,412▼ 41.2%€23,022▼ 47.0%€37,966▲ 64.9%-€38,045
Net result€21,976-€53,145▲ 142%€17,009▼ 68.0%€9,055▼ 46.8%€14,669▲ 62.0%-€53,404
Equity€151,527-€204,673▲ 35.1%€221,682▲ 8.3%€230,737▲ 4.1%€236,118▲ 2.3%€160,738▼ 31.9%
Total assets€481,813-€529,334▲ 9.9%€556,190▲ 5.1%€567,852▲ 2.1%€604,234▲ 6.4%€558,829▼ 7.5%
Debt€330,286-€324,661▼ 1.7%€334,508▲ 3.0%€337,115▲ 0.8%€368,116▲ 9.2%€398,091▲ 8.1%
Working capital€45,117-€99,806▲ 121%€106,331▲ 6.5%€133,063▲ 25.1%€86,906▼ 34.7%€98,180▲ 13.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558,829
Fixed assets €417,009 ▼ 13.2%
Current assets €141,820 ▲ 14.6%
Equity and liabilities €558,829
Equity €160,738 ▼ 31.9%
Debt €398,091 ▲ 8.1%
Debt's share of the balance-sheet total rises from 60.9% to 71.2%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€20,950▼
2024 · €65,350
Cash flow
-€36,309▼
2024 · €42,053
Current ratio
3.25▼
2024 · 3.36
Debt to equity
2.48▲
2024 · 1.56
ROE
-33.2%▼
2024 · 6.2%
ROA
-9.6%▼
2024 · 2.4%
Interest coverage
-1.30▼
2024 · 3.67
Debt ≤ 1 year
€43,639▲
2024 · €36,889
Debt > 1 year
€352,131▲
2024 · €330,632
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 748 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency 10 to 30%
  • a small loss
1.3% went bankrupt
1.9% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,471 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 748 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€604,234€558,829▼
Fixed assets21/28€480,439€417,009▼
Tangible fixed assets22/27€480,439€417,009▼
Land and buildings22€480,137€414,265▼
Plant, machinery and equipment23€69€304▲
Furniture and vehicles24€234€2,441▲
Current assets29/58€123,795€141,820▲
Amounts receivable after more than one year29€9,769€9,769=
Other amounts receivable291€9,769€9,769=
Amounts receivable within one year40/41-€10,214
Other amounts receivable41-€10,214
Cash at bank and in hand54/58€112,682€120,427▲
Deferred charges and accrued income490/1€1,344€1,410▲
Equity and liabilities
Total equity and liabilities10/49€604,234€558,829▼
Equity10/15€236,118€160,738▼
Contributions10/11€26,854€26,854=
Reserves13€209,264€133,884▼
Distributable reserves133€209,264€133,884▼
Amounts payable17/49€368,116€398,091▲
Amounts payable after more than one year17€330,632€352,131▲
Other amounts payable178/9€330,632€352,131▲
Amounts payable within one year42/48€36,889€43,639▲
Trade debts44€8,354€5,709▼
Suppliers440/4€8,354€5,709▼
Taxes, remuneration and social security45€7,365€5,885▼
Taxes450/3€7,365€5,885▼
Other amounts payable47/48€21,169€32,045▲
Accrued charges and deferred income492/3€596€2,321▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27,384€17,095▼
Other operating charges640/8€14,374€14,820▲
Non-recurring operating charges66A-€88,140
Gross operating margin9900€79,724€82,010▲
Operating profit (loss)9901€37,966-€38,045▼
Financial income75/76B€1,568€714▼
Recurring financial income75€1,568€714▼
Financial charges65/66B€17,790€16,073▼
Recurring financial charges65€17,790€16,073▼
Profit (loss) for the period before taxes9903€21,744-€53,404▼
Income taxes67/77€7,075-
Profit (loss) for the period9904€14,669-€53,404▼
Profit (loss) for the period to be appropriated9905€14,669-€53,404▼
Appropriation of the result
Profit (loss) to be appropriated9906€14,669-€53,404▼
Transfer from equity791/2€9,288€75,380▲
Transfer to equity691/2€14,669-
To other reserves6921€14,669-
Profit to be distributed694/7€9,288€21,976▲
Return on contributions (dividend)694€9,288€21,976▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202020212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,437€21,574€23,223€25,488€27,384€17,095▼ 37.6%
Other operating charges640/8-€8,168€10,398€11,428€14,374€14,820▲ 3.1%
Non-recurring operating charges66A-----€88,140-
Gross operating margin9900€60,168€103,614€77,033€59,939€79,724€82,010▲ 2.9%
Operating profit (loss)9901€32,464€73,872€43,412€23,022€37,966-€38,045▼ 200%
Financial income75/76B-€50€4€324€1,568€714▼ 54.5%
Recurring financial income75€6€50€4€324€1,568€714▼ 54.5%
Financial charges65/66B-€12,584€12,773€9,833€17,790€16,073▼ 9.7%
Recurring financial charges65€9€12,584€12,773€9,833€17,790€16,073▼ 9.7%
Profit (loss) for the period before taxes9903€32,461€61,338€30,643€13,513€21,744-€53,404▼ 346%
Income taxes67/77€10,485€8,192€13,634€4,458€7,075--
Profit (loss) for the period9904€21,976€53,145€17,009€9,055€14,669-€53,404▼ 464%
Profit (loss) for the period to be appropriated9905€21,976€53,145€17,009€9,055€14,669-€53,404▼ 464%
Line202020212022202320242025Change
Assets
Total assets20/58€481,813€529,334€556,190€567,852€604,234€558,829▼ 7.5%
Fixed assets21/28€419,387€413,953€432,372€424,862€480,439€417,009▼ 13.2%
Tangible fixed assets22/27€418,569€413,953€432,372€424,862€480,439€417,009▼ 13.2%
Land and buildings22-€410,879€430,070€423,975€480,137€414,265▼ 13.7%
Plant, machinery and equipment23-€3,073€2,302€886€69€304▲ 341%
Furniture and vehicles24----€234€2,441▲ 945%
Financial fixed assets28€818------
Current assets29/58€62,426€115,381€123,818€142,990€123,795€141,820▲ 14.6%
Amounts receivable after more than one year29----€9,769€9,769=
Other amounts receivable291----€9,769€9,769=
Amounts receivable within one year40/41--€12,666€8,555-€10,214-
Trade receivables40---€915---
Other amounts receivable41--€12,666€7,639-€10,214-
Current investments50/53---€50,000---
Cash at bank and in hand54/58€61,668€114,316€109,308€83,148€112,682€120,427▲ 6.9%
Deferred charges and accrued income490/1-€1,065€1,844€1,288€1,344€1,410▲ 4.9%
Equity and liabilities
Total equity and liabilities10/49€481,813€529,334€556,190€567,852€604,234€558,829▼ 7.5%
Equity10/15€151,527€204,673€221,682€230,737€236,118€160,738▼ 31.9%
Contributions10/11-€26,854€26,854€26,854€26,854€26,854=
Reserves13€124,674€177,819€194,829€203,883€209,264€133,884▼ 36.0%
Non-distributable reserves130/1-€2,685€2,685----
Reserves not available under the articles1311-€2,685€2,685----
Distributable reserves133-€175,134€192,143€203,883€209,264€133,884▼ 36.0%
Amounts payable17/49€330,286€324,661€334,508€337,115€368,116€398,091▲ 8.1%
Amounts payable after more than one year17€312,977€307,640€316,425€324,932€330,632€352,131▲ 6.5%
Other amounts payable178/9-€307,640€316,425€324,932€330,632€352,131▲ 6.5%
Amounts payable within one year42/48€17,309€15,575€17,487€9,928€36,889€43,639▲ 18.3%
Trade debts44€215€26€348€225€8,354€5,709▼ 31.7%
Suppliers440/4-€26€348€225€8,354€5,709▼ 31.7%
Taxes, remuneration and social security45-€2,264€3,792€2,911€7,365€5,885▼ 20.1%
Taxes450/3-€2,264€3,792€2,911€7,365€5,885▼ 20.1%
Other amounts payable47/48-€13,285€13,348€6,792€21,169€32,045▲ 51.4%
Accrued charges and deferred income492/3-€1,446€596€2,256€596€2,321▲ 290%
Line202020212022202320242025Change
Profit (loss) for the period9904€21,976€53,145€17,009€9,055€14,669-€53,404▼ 464%
+ Depreciation and write-downs630€20,437€21,574€23,223€25,488€27,384€17,095▼ 37.6%
Operating cash flow (approximation)€42,413€74,719€40,232€34,543€42,053-€36,309▼ 186%
Investment in fixed assets (approximation)--€16,140-€41,642-€17,978-€82,962€46,335▲ 156%
Change in cash-€52,648-€5,008-€26,160€29,534€7,745▼ 73.8%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the function holders in the CBE →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 30 July 2020, TRIMONIA was incorporated as a Private limited company.1 Total assets went from €481,813 in 2020 to €558,829 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Weakest financial yearnet -€53,404
Net result drops to -€53,404, the lowest in the series.
07-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
29-08
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial Liquidity doublescurrent ratio 14.40
Current ratio from 7.08 to 14.40; short-term debt falls from €17,487 to €9,928.
18-07
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-05
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial Highest result since 2020net €53,145 ▲142%
Operating result €73,872, net result €53,145, both a record.
31-12
Financial Liquidity doublescurrent ratio 7.41
Current ratio from 3.61 to 7.41; short-term debt falls from €17,309 to €15,575.
31-12
Financial Equity above €200,000Eq €204,673 ▲35.1%
2 profitable years in a row build equity to €204,673.
31-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 31 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.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded30-07-2020
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0751652208
Registered 15-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 5 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Opwijk · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
2,441 m²
Building footprint
184 m²
Volume, LiDAR
1,008 m³
Parcel 23049A0491/00L000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TRIMONIA
Heerbaan(MAZ) 43, 1745 OpwijkRenting and operating of own or leased residential real estate, excluding social housing
since 2020unit no. 2.305.713.259
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23049A0491/00L000 Flanders 2,441 m² 1 · 184 m² 9.5 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.