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TRYGO

Active Private limited companyfounded 2021active for 5 yearsHayen 17, 4140 SprimontKBO/BCE: BE 0768.378.174
TRYGO
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Overview

Lifetime

5 annual accounts with figures on one time axis
peak €62,837 (2022)
-€38,545▼ €64,664
lowest -€82,243 (2023)
-€51,992▼ €53,270
peak €91,589 (2022)
-€41,369▼ €51,992
€66,013▼ 18.5%
Board1 name since 2021
1 directorPENSIS Benjamin Frédéric Freddy
Documentsfilings and deeds
22-10-202683 days late
2025micro format
Bankruptcy reversal 13-02Bankruptcy published 24-01Gross margin from €26,119 to -€38,545Loss of €51,992Registered office moved within Sprimont 30-01Equity from €10,623 to -€41,369

Key points

from the 2025 annual accounts

Equity

-€41,369
20212022202320242025

Debts exceed assets in financial year 2025.

Result

-€51,992 -€51,992
€1,2802024-€52,0002025

From profit to loss in 2025, after a profit of €1,277 in 2024.

Debts

€66,013 268% of the balance sheet
Suppliers 21%Taxes and wages 1%Other 78%

Liquidity

0.30 was 1.05 in 2024

Short-term debts fell from €80,980 to €66,013.

Filings

5 annual accounts 83 days
AprilJune31 JulyOctober20222024

Latest accounts filed late: after the legal deadline.

Position in the sector

-167.9%

Lower solvency than 95% of companies in construction of buildings. Sector median 42.9% · 9,452 companies.

Turnover not published (micro format)

Checked score

30
Weak
Financially stronger than 4% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
8.7% Elevated
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).

About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 6.9% 01-2025: 6.4%▼ -0.5 percentage points vs 12-2024lowest value 03-2025: 8.6% 04-2025: 9.9%▲ +1.3 percentage points vs 03-2025 05-2025: 10.5%▲ +0.6 percentage points vs 04-2025 06-2025: 10.7%▲ +0.2 percentage points vs 05-2025 07-2025: 10.7%● unchanged vs 06-2025 08-2025: 11.1%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 11.1%● unchanged vs 08-2025 10-2025: 8.1%▼ -3.0 percentage points vs 09-2025 11-2025: 8.1%● unchanged vs 10-2025 12-2025: 8.1%● unchanged vs 11-2025 01-2026: 8.0%▼ -0.1 percentage points vs 12-2025 02-2026: 8.0%● unchanged vs 01-2026 03-2026: 8.0%● unchanged vs 02-2026 04-2026: 8.3%▲ +0.3 percentage points vs 03-2026 05-2026: 9.2%▲ +0.9 percentage points vs 04-2026 06-2026: 9.5%▲ +0.3 percentage points vs 05-2026 07-2026: 9.5%● unchanged vs 06-2026 08-2026: 10.2%▲ +0.7 percentage points vs 07-2026 09-2026: 10.6%▲ +0.4 percentage points vs 08-2026 10-2026: 8.7%▼ -1.9 percentage points vs 09-2026 11-2026: 8.7%● unchanged vs 10-2026

Financial strength
Weak

0-37equity -167.9% of total assets
8+4short-term debt 267.9% · cash 6.4%
0-45return on assets -211.0%

Score breakdown

raises risk
Last filed accounts filed 83 days late; 2 of the last 3 accounts late
Sector: Construction of residential and non-residential buildings (NACE 41)
1 change of registered office in 24 months
lowers risk
Size: total assets €24,644
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 41, micro). It does better than 3% of them on solvency, 8% on liquidity, 5% on profitability and 1% on growth.

The bankruptcy probability was computed on 08-11-2026 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 31-12-2025.

Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 6,008 companies had the same profile as TRYGO has now. Each dot stands for 16 companies, two years later.

83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
  • Micro
  • 5 to 10 years old
  • negative equity
  • a loss of 10% of the balance sheet or more

Another 0.8% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of TRYGO itself: 8.7% within 12 months.

Test of the method

The method was tested on the 497,447 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.

The companies in ten equal groups, from the lowest to the 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% 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 6,008 companies, not a prediction for TRYGO. 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

No credit on open account

Liquidity is insufficient, with a current ratio of 0.3 (1.05 in 2024), below 1. Short-term debt is 267.9% and cash 6.4% of total assets. Equity is negative.

Credit check for an amount and term of your choice

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

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Last filed accounts filed 83 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Size: total assets €24,644
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2122232425
2021 to 2025 · latest year -€41,369
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.
Belgian Official Gazette
raises risk · 2025 accounts filed 83 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-10-2026, 83 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
83 days late
2024
60 days late
2023
29 days late
2022
153 days late
2021
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 59 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 September (4 of the last 5 accounts filed within 91 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

PB
PENSIS Benjamin Frédéric Freddy
Director, since 17-05-2021
  • PENSIS Benjamin Frédéric Freddy 100 sharesdeed of 17-05-2021
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0768378174
Bankruptcy reversal Enterprise Court of Liège, Liège division · judgment of 10-02-2025 · Bankruptcy
Registered office moved within Sprimont New registered office: Rue Hayen 17/2, 4140 Sprimont · Previous registered office: RUE RYS DE MOSBEUX 2 4140 SPRIMONT · General meeting of 29-08-2024 · Gazette deed
Bankruptcy published Enterprise Court of Liège, Liège division · judgment of 20-01-2025 · Bankruptcy
All 14 events

Comparable companies

same main activity, similar in size and age
Company
TRYGO Sprimont €24,644 -€38,545 -167.9% -
NOVATIS Chaudfontaine €22,527 -€4,158 10.0% -
TAKECARE Braives €31,563 -€3,718 -149.9% -
CAZA IMMO Frameries €26,868 -€1,613 97.0% -
Handyman & Harmony Wommelgem €23,998 -€8,587 22.2% -
LTR CONSTRUCT REDONDO & FILS Quiévrain €22,311 €56 -49.0% -
PFS Construct Sint-Pieters-Leeuw €26,226 -€26,931 -43.1% -

These companies have the same main activity as TRYGO: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €22,300 and €31,600, founded in 2021.

Official details

Source: KBO
Status
Active since 12-05-2021Normal situation
Activity
General construction of residential buildingsNACE 41001and 1 other
Establishment unit
2.317.547.7544140 Sprimont, since 12-05-2021
Financial year end
31 December
Peppol
Reachable since 18-12-2025
Company details

Annual accounts 2025

-€38,545
€51,992
-€41,369
€24,644▼ 73.1%
≈ 0 FTEestimated
Filing
Filed on 22-10-2026
Financials

Insights on TRYGO

TRYGO files the micro format. That format states no turnover. The gross margin fell from €46,137 in 2021 to -€38,545 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 22-10-2026, 83 days late
-€38,545
▼ €64,664
-€48,385
▼ €52,070
-€46,098
▼ €52,839
-€49,705
▼ €54,038
-167.9%
▼ 179.5 percentage points
0.30
▼ 0.74

Money flows

no detail for 2025

Balance sheet

balance sheet total €24,644 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

-167.9%

Lower than 95% of 9,452 companies in 2025.

0.30

Lower than 95% of 9,200 companies in 2025.

-211.0%

Lower than 95% of 9,272 companies in 2025.

TRYGO Middle half of the sector 80% of the sector Micro accounts in construction of buildings (NACE 41)

Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021
Balance sheet: assets
20/58 24,64491,603235,474169,332120,707
20 1,1491,1491,1491,1491,149
21/28 3,4715,7598,8149,1306,144
22/27 2,9055,1938,2488,5645,578
22 -0000
23 2,7354,8206,9066,8833,778
24 1703721,3421,6821,799
28 566566566566566
29/58 20,02484,695225,511159,052113,415
29 -1,9781,9781,9781,978
290 -1,9781,9781,9781,978
3 3,2206,32220,60019,036-
30/36 3,2206,3228,30019,036-
37 -012,300--
40/41 13,77965,350191,714121,7920
40 13,70733,244154,264121,0590
41 7232,10637,4507340
54/58 1,5792,0159,4616,060109,329
490/1 1,4469,0301,75710,1862,107
Balance sheet: equity and liabilities
10/49 24,64491,603235,474169,332120,707
10/15 -41,36910,6239,34691,58945,894
10/11 10,00010,00010,00010,00010,000
14 -51,369623-65481,58935,894
17/49 66,01380,980226,12877,74374,813
42/48 66,01380,980223,01377,74374,813
43 ---0-
430/8 ---0-
44 14,11141,523159,55819,12139,386
440/4 14,11141,523159,55819,12139,386
45 44038,42763,45558,62135,182
450/3 44038,42763,45558,62133,182
454/9 -0002,000
47/48 51,4621,03000245
492/3 -03,115--
Income statement
70 --989,145--
76A --0--
9900 -38,54526,119-76,48762,83746,137
60/61 --1.1m--
62 7143811,514860
630 2,2873,0562,7362,367164
640/8 6,83918,998919405348
9901 -48,3853,685-81,65759,97945,625
75/76B -10163331
75 -10163331
65/66B 3,5082,24860234531
65 3,5082,24860234531
9903 -51,8931,447-82,24359,96745,594
67/77 100170-14,2739,700
9904 -51,9921,277-82,24345,69535,894
9905 -51,9921,277-82,24345,69535,894
Appropriation of the result
9906 -51,369623-65481,58935,894
14P 623-65481,58935,894-
Document PDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 22-10-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 83 days after the deadline. Filed on 22 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00568745.

Financial year Type Filed Reference Document
31-12-2025 micro format 22-10-2026 2026-00568745 PDF
31-12-2024 micro format 29-09-2025 2025-00517440 PDF
31-12-2023 micro format 29-08-2024 2024-00448218 PDF
31-12-2022 micro format 31-12-2023 2024-00543038 PDF
31-12-2021 micro format 30-06-2022 2022-20130690 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021
-46,0986,741-78,92062,34745,789
-49,7054,333-79,50748,06236,058
002,4205,3546,308
-436-7,4463,402-103,270-
-45,9903,7162,49881,31038,602
---8.3%--
-167.9%11.6%4.0%54.1%38.0%
0.301.051.012.051.52
0.250.970.921.801.52
-7.6224.200.851.63
-12.0%-880.0%49.9%78.2%
-211.0%1.4%-34.9%27.0%29.7%
-13.143.00-131.04over 100over 100
--57 days--
--54 days--

Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets--€2,420€5,354€5,742
Financial fixed assets----€566
€2,287€3,056€2,736€2,367€164

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on TRYGO

The operating result for 2025 is a loss of €48,385, after a profit of €3,685 in 2024.

Equity is negative. Debt (€66,013) exceeds the balance-sheet total (€24,644).

Board & ownership

Curators

2 mandates
Violaine Devyver
Curator, Quai Marcellis 7, 4020 Liege 2
from 20-01-2025 to 10-02-2025
Also on 121 other cases
Laura Nicolini
Curator, Rue Haute Rognac 169, 4400 Flemalle
from 20-01-2025 to 10-02-2025
Also on 133 other cases

Board

1 director, since incorporation
PENSIS Benjamin Frédéric Freddy
Director (not named in the articles)
since 17-05-2021 term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 22-10-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
deed of 17-05-2021

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
PENSIS Benjamin Frédéric Freddy
Director (not named in the articles)
Board
Mandates as a list
  • PENSIS Benjamin Frédéric Freddy
    • Director (not named in the articles), from 17-05-2021 to date

See the board, name and registered office on a given date →

Control

Founder
PENSIS Benjamin Frédéric Freddy
This company
TRYGO
Equity -€41,369
Loss €51,992 in 2025

Capital

Contribution
€10,000
Shares
100
Contribution per share
€100
Equity per share
-€414 in 2025
Source
deed of 17-05-2021

Articles of association

deed of 17-05-2021 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Monday of June at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

Shareholders

At incorporation deed of 17-05-2021 ↗

Network & group

No group

TRYGO has no parent and no holdings in its annual accounts. PENSIS Benjamin Frédéric Freddy is the only director.

Connections & network

1 connected company
Depth

The connected companies are in the list below.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
TRYGO MOTORS
via PENSIS Benjamin Frédéric Freddy · Director (not named in the articles) · deed of 27-12-2023
Founded in 2023 · total assets €202,005 (2025) · negative equity
→

Timeline

Timeline

14 events since 2021

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 83 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0768378174
Annual accounts 2024 filed PDFmicro format · 60 days late
Bankruptcy reversal Enterprise Court of Liège, Liège division · judgment of 10-02-2025
Registered office moved within SprimontNew registered office: Rue Hayen 17/2, 4140 Sprimont · Previous registered office: RUE RYS DE MOSBEUX 2 4140 SPRIMONT · General meeting of 29-08-20242 points ▸
  • General meeting, 29-08-2024
  • Registered-office move, Rue Hayen 17/2, 4140 Sprimont

Open the deed in the Belgian Official Gazette

Bankruptcy published Enterprise Court of Liège, Liège division · judgment of 20-01-2025
2024
Back to profit net €1,277 The net result is €1,277, after one loss-making year.
Annual accounts 2023 filed PDFmicro format · 29 days late
2023
Weakest financial year net -€82,243 The net result drops to -€82,243, the lowest from 2021 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 153 days late
2022
Highest result from 2021 to 2025 net €45,695 ▲27.3% The operating result of €59,979 and the net result of €45,695 are both a record.
Annual accounts 2021 filed PDFmicro format · 31 days before the deadline
2021
IncorporationFounding capital of €10,000, 100 shares · Founder: PENSIS Benjamin Frédéric Freddy · Appointment: PENSIS Benjamin Frédéric Freddy (director) · published on 17-05-20214 points ▸

Open the deed in the Belgian Official Gazette

First establishment Hayen 17, Sprimont

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

TRYGO was incorporated on 12 May 2021 as a private limited company by one natural person, with a starting capital of €10,000.12 The registered office was moved to Sprimont in 2025.3 Since 2021, PENSIS Benjamin Frédéric Freddy has served as director.4 Total assets fell from €120,707 in 2021 to €24,644 in 2025.5 On 20 January 2025 the company was declared bankrupt.6

  1. 1KBO register
  2. 2Belgian Official Gazette, 17-05-2021
  3. 3Belgian Official Gazette, 30-01-2025
  4. 4National Bank, annual accounts 2025
  5. 5National Bank, annual accounts 2021 and 2025
  6. 6Belgian Official Gazette, 24-01-2025

Company details

Identity

Enterprise number
0768.378.174
VAT number
BE 0768.378.174
Peppol ID
0208:0768378174
Legal form
Private limited company
Status
Active, normal situation
Founded
12-05-2021
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Monday of June at 18:00
deed of 17-05-2021 (in French)
Peppol
Reachable since 18-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
TRYGO in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 17-05-2021 (in French)

Activities

NACEBEL 2025
41001 General construction of residential buildings main activity
43120 Site preparation
Codes under NACEBEL 2008
41201 General construction of buildings main activity
43120 Site preparation
PurposeThe purpose describes the activities the company may carry out under its articles.
“Toutes les activités d’entreprise générale de construction,entendus au sens le plus large possible,en ce compris les travaux de…”
6 activities
  1. Toutes les activités d’entreprise générale de construction,entendus au sens le plus large possible,en ce compris les travaux de parachèvement.
  2. L’accomplissement de toutes opérations immobilières quelconques,notamment l’achat,la vente,la gestion,la (sous)location (par bail classique,emphytéose,superficie ou tout autre type de bail existant),le leasing (avec ou sans option d’achat),l’étude et la promotion,l’aménagement,la transformation,la décoration et l’ameublement,la viabilisation,le lotissement,le financement (par crédit hypothécaire ou autrement),et la valorisation de tous biens et droits immobiliers existants ou à construire et notamment les immeubles à occupation collective,les logements individuels,en copropriété horizontale ou non,les garages,annexes et dépendances,ateliers,bâtiments industriels,le tout à l’exclusion de toute activité de courtage immobilier ;
  3. Toutes les activités de marchand de biens ;
  4. Toutes les études et expertises ;
  5. Toutes les prestations de service,y compris la gestion de patrimoine immobilier,la gestion d’entreprise et la gestion financière ;
  6. La coordination pour la réalisation de tout type de construction,principalement par entreprises soustraitantes,ainsi que toutes prestations de services s’y rapportant pour son compte propre ou sur son propre patrimoine.
deed of 17-05-2021 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Hayen 17 registered office 4140 Sprimont 12-05-2021 2.317.547.754

Buildings and parcels at the address

Ground area
2,070 m²
Buildings
183 m²
Volume, LiDAR
1,620 m³
Tallest building
11.1 m
Buildings to scale, each on its own parcel
183 m², 11.1 m 183 m², 11.1 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
62028A0619/00M0002,070 m² 1 · 183 m² 11.1 m · 3

Contact

E-mail info@trygo.be
Phone +32 470 41 59 05

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0768.378.174

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