Equity
€608,991 ▲ 115%
Equity rose in 2025 from €283,853 to €608,991.
TRMA
Lifetime
11 annual accounts with figures on one time axispeak €567,171 (2025)
€567,171▲ 25.1%
peak €325,138 (2025)
€325,138▲ 24.4%
peak €608,991 (2025)
€608,991▲ 115%
€710,473▼ 9.5%
Board2 names since 2013
1 directorReynders Tom
Documentsfilings and deeds
22-01-202698 days before the deadline
2025micro format
Gross margin from €453,215 to €567,171Purpose change · Amendment of the articles 02-04Equity from €283,853 to €608,991Cash from €140,855 to €267,500
Key points
from the 2025 annual accountsLiquidity
3.01 was 1.92 in 2024
Short-term debts rose from €217,545 to €223,189.
Position in the sector
€325,138
Higher net result than 95% of companies in architecture and engineering. Sector median €16,690 · 11,795 companies.
Checked score
96
Excellent
Financially stronger than 67% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,829 companies (NACE 71, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points vs 03-2025highest value
05-2025: < 0.1%▼ -0.2 percentage points vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 3.01, cash €267,500
Size: total assets €1.3m
Figures for financial year 2025 (filed on 23-01-2026)
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 44% of them on solvency, 59% on liquidity, 75% on profitability and 92% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as TRMA has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of TRMA itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,811 companies, not a prediction for TRMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.01 (1.92 in 2024), above the usual 1.5. Short-term debt is 16.9% and cash 20.3% of total assets. However, 53.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
6 signals, none raises the risk
Six signals.
lowers riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €608,991
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-01-2026, 98 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
98 days early
2024
1 day early
2023
30 days late
2022
17 days early
2021
16 days early
2020
1 day early
2019
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 14 April (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end11-11-2026 today30-04-2027 deadline
Recent changes
Purpose change · Amendment of the articles
“uitoefening beroep van architect” (deed in Dutch) · General meeting of 26-03-2025 · Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointments
Director in office: Reynders Tommy · Legal-form conversion: from private limited company (pre-2019) to private limited company · Gazette deed
Incorporation
published on 30-12-2013 · Gazette deed
First establishment
Lotelingenstraat 23, Turnhout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TRMA Turnhout | €1.3m | €567,171 | 46.2% | - |
| JACINTO ARCHITECTURE Koekelberg | €1.3m | €555,831 | 69.7% | 1.7 |
| Trias architecten Turnhout | €1.5m | €583,758 | 49.2% | 5 |
| mortelmans van tricht architecten Antwerp | €1.7m | €463,874 | 53.4% | 1.7 |
| STEDENBOUW EN ARCHITECTUUR FRANK VAN HULLE Antwerp | €1.6m | €399,929 | 76.2% | - |
| S3ARCHITECTEN Mechelen | €1.4m | €548,257 | 20.4% | 3.1 |
| RE-ST architectenvennootschap Antwerp | €1.1m | €737,514 | 69.1% | 7.5 |
These companies have the same main activity as TRMA: activities of building architects (NACE 71111). They are comparable in size and age: total assets between €1.1m and €1.7m, founded between 2010 and 2017.
Official details
Source: KBO- Status
- Active since 27-11-2013Normal situation
- Activity
- Activities of building architectsNACE 71111and 2 others
- Establishment unit
- 2.226.286.7882300 Turnhout, since 27-11-2013
- Financial year end
- 30 September
- Peppol
- Reachable
Annual accounts to 30-09-2025
- ≈ €1.4mestimated
- €1.3m▲ 23.4%
- Filing
- Filed on 22-01-2026, 98 days before the end of the filing period
Insights on TRMA
TRMA files the micro format. That format states no turnover. The gross margin rose from €323,784 in 2015 to €567,171 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TRMA
- What is the company number of TRMA?
- The company number of TRMA is 0543.290.268. The VAT number is the same number with BE in front: BE 0543.290.268.
- Where is TRMA based?
- The registered office is at Lotelingenstraat 23, 2300 Turnhout.Company details
- What does TRMA do?
- According to the KBO register, the main activity is activities of building architects (NACE 71111).
- What is the legal form of TRMA?
- TRMA is a private limited company (BV).
- When was TRMA founded?
- TRMA was founded on 27-11-2013.
- Is TRMA still active?
- Yes, TRMA is an active enterprise in the KBO register.
- What is the turnover of TRMA?
- The turnover in financial year 2025 is ≈ €1.4m. This figure is estimated from the gross margin of €567,171 and 40 comparable companies (NACE 711). It probably lies between €980,000 and €1.8m.Financials
- Is TRMA profitable?
- In financial year 2025, TRMA made a profit of €325,138.
- Where can I find the annual accounts of TRMA?
- TRMA filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TRMA due?
- TRMA must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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