TriVecoS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €32k and a net result of €-10k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 20% of 2413 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2413 sector peers (2025).
NBB · sector comparisonPosition among 2413 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
20 d late
2023
28 d late
2022
90 d late
2021
78 d late
2020
89 d late
2019
130 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 24.6%
2024 · €42k
2018: €58k
2019: €34k
2020: €21k
2021: €-5k
2022: €33k
2023: €42k
2024: €42k
2018 → 2025
Net result
€-10k
2024 · €532
2018: €-21k
2019: €-25k
2020: €-13k
2021: €-26k
2022: €38k
2023: €10k
2024: €532
2018 → 2025
Total assets
€231k▼ 5.2%
2024 · €244k
2018: €207k
2019: €190k
2020: €195k
2021: €175k
2022: €238k
2023: €267k
2024: €244k
2018 → 2025
Solvency
13.7%▼ 3.5pp
2024 · 17.2%
2018: 28.2%
2019: 17.6%
2020: 10.6%
2021: -2.8%
2022: 13.7%
2023: 15.8%
2024: 17.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€33k€42k▲ 29.6%€42k▼ 0.7%€32k▼ 24.6%
Operating result€-25k-€39k€13k▼ 67.2%€2k▼ 87.8%€-10k
Net result€-26k-€38k€10k▼ 72.7%€532▼ 94.9%€-10k
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 €10k after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€101k▲ 56.7%
Current assets
€130k▼ 27.6%
Equity and liabilities €231k
Equity
€32k▼ 24.6%
Debt
€199k▼ 1.2%
The debt ratio rises from 82.8% to 86.3%. Equity and debt are lower.
Key figures and ratios
Solvency
13.7%▼
2024 · 17.2%
ROE
-32.6%▼
2024 · 1.3%
ROA
-4.5%▼
2024 · 0.2%
Debt
€199k▼
2024 · €202k
Debt ≤ 1 year
€39k▼
2024 · €42k
Debt > 1 year
€160k=
2024 · €160k
Income taxes
€0▼
2024 · €53
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
Assets
Total assets20/58€244k€231k▼
Fixed assets21/28€65k€101k▲
Intangible fixed assets21€2€0▼
Tangible fixed assets22/27€65k€101k▲
Land and buildings22€41k€32k▼
Plant, machinery and equipment23€7k€40k▲
Furniture and vehicles24€13k€28k▲
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€50€50=
Current assets29/58€179k€130k▼
Amounts receivable within one year40/41€10k€46k▲
Trade receivables40-€38k
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€167k€82k▼
Deferred charges and accrued income490/1€2k€962▼
Equity and liabilities
Total equity and liabilities10/49€244k€231k▼
Equity10/15€42k€32k▼
Contributions10/11€19k€19k=
Reserves13€13k€13k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€10k€-61▼
Amounts payable17/49€202k€199k▼
Amounts payable after more than one year17€160k€160k=
Financial debts170/4€160k€160k=
Amounts payable within one year42/48€42k€39k▼
Trade debts44€2k€168▼
Suppliers440/4€2k€168▼
Taxes, remuneration and social security45€13k€9k▼
Taxes450/3€13k€9k▼
Other amounts payable47/48€27k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€24k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€401€275▼
Gross operating margin9900€25k€16k▼
Operating profit (loss)9901€2k€-10k▼
Financial income75/76B€13€0▼
Recurring financial income75€13€0▼
Financial charges65/66B€979€284▼
Recurring financial charges65€979€284▼
Profit (loss) for the period before taxes9903€585€-10k▼
Income taxes67/77€53€0▼
Profit (loss) for the period9904€532€-10k▼
Profit (loss) for the period to be appropriated9905€532€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-61▼
Profit (loss) brought forward from the previous period14P€11k€10k▼
Transfer to equity691/2€532-
To other reserves6921€532-
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 2.99
Current ratio from 0.77 to 2.99; short-term debt falls from €205k to €65k.
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 90 days late
2022
31-12
Financial
Back to profitnet €38k
Net result €38k after 4 loss-making years.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 130 days late
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 153 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Temse · 1 establishment unit since 2009
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.
Houtbriel 679140 TemseGround area
330 m²
Building footprint
151 m²
Volume, LiDAR
656 m³
Parcel 46302C0808/00K000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
V3S
since 20092.181.453.883
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302C0808/00K000 | Flanders | 330 m² | 1 · 151 m² | 9.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 682 EUR awarded · 607 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 109 EUR | 34 EUR |
| 2024 | 1 | 302 EUR | 302 EUR |
| 2023 | 1 | 97 EUR | 97 EUR |
| 2022 | 1 | 174 EUR | 174 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 854 companies in sector 66210 we hold annual accounts for 512. 361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2009
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.