Tuinen Minten

Active

Private limited companyfounded 20223 yrs activePannestraat 20, 3272 Scherpenheuvel-Zichem, BelgiumKBO/BCE: BE 0795.462.851

The computed 12-month bankruptcy probability of Tuinen Minten is 2.2% (moderate). The 2025 annual accounts show equity of €109k and a net result of €34k. Equity is growing by ~37% per year across the filed fiscal years. Its solvency ranks better than 58% of 4486 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

74 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability87▼-4

Solvency73▼-1

Growth52=

Track record94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity ample (current ratio 2.14 against 1.98 in 2024; short-term debt: 24.9% and cash: 50.5% of total assets), but 52.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

47.8%

Return on assets

14.9%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-04-2026, 101 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

101 d early

2024

1 d early

2023

6 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€109k▲ 41.4%

2024 · €77k

2023: €52k 2024: €77k

2023 → 2025

Total assets

€227k▲ 44.2%

2024 · €157k

2023: €135k 2024: €157k

2023 → 2025

Net result

€34k▲ 19.1%

2024 · €28k

2023: €56k 2024: €28k

2023 → 2025

Working capital

€65k▲ 30.7%

2024 · €49k

2023: €17k 2024: €49k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€52k-€77k▲ 48.3%€109k▲ 41.4%

Operating result€70k-€37k▼ 47.0%€42k▲ 12.7%

Net result€56k-€28k▼ 49.4%€34k▲ 19.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 13% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €227k

46.7%

53.3%

Fixed assets €106k▲ 83.3%

Current assets €121k▲ 21.5%

Equity and liabilities €227k

47.8%

52.2%

Equity €109k▲ 41.4%

Debt €118k▲ 46.8%

The debt ratio rises from 51.3% to 52.2%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€64k▲

2024 · €57k

Cash flow

€55k▲

2024 · €48k

Solvency

47.8%▼

2024 · 48.7%

Current ratio

2.14▲

2024 · 1.98

Quick ratio

2.14▲

2024 · 1.98

Debt / equity

1.09▲

2024 · 1.05

ROE

31.1%▼

2024 · 37.0%

ROA

14.9%▼

2024 · 18.0%

Interest coverage

46.82▲

2024 · 31.53

Debt

€118k▲

2024 · €81k

Debt ≤ 1 year

€56k▲

2024 · €50k

Debt > 1 year

€62k▲

2024 · €30k

Income taxes

€7k▼

2024 · €7k

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€157k€227k▲

Fixed assets21/28€58k€106k▲

Intangible fixed assets21€171€4▼

Tangible fixed assets22/27€58k€106k▲

Land and buildings22€2k€2k▼

Plant, machinery and equipment23€13k€76k▲

Furniture and vehicles24€43k€28k▼

Current assets29/58€100k€121k▲

Amounts receivable within one year40/41€15k€5k▼

Trade receivables40€15k€645▼

Other amounts receivable41-€5k

Cash at bank and in hand54/58€83k€115k▲

Deferred charges and accrued income490/1€1k€1k▼

Equity and liabilities

Total equity and liabilities10/49€157k€227k▲

Equity10/15€77k€109k▲

Contributions10/11€4k€4k=

Reserves13€73k€105k▲

Distributable reserves133€73k€105k▲

Amounts payable17/49€81k€118k▲

Amounts payable after more than one year17€30k€62k▲

Financial debts170/4€30k€62k▲

Amounts payable within one year42/48€50k€56k▲

Current portion of amounts payable after more than one year42€11k€23k▲

Financial debts43€152-

Other loans439€152-

Trade debts44€14k€16k▲

Suppliers440/4€14k€16k▲

Taxes, remuneration and social security45€22k€14k▼

Taxes450/3€22k€14k▼

Other amounts payable47/48€3k€4k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€22k▲

Other operating charges640/8€757€782▲

Gross operating margin9900€57k€64k▲

Operating profit (loss)9901€37k€42k▲

Financial income75/76B€2€0▼

Recurring financial income75€2€0▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€35k€41k▲

Income taxes67/77€7k€7k▼

Profit (loss) for the period9904€28k€34k▲

Profit (loss) for the period to be appropriated9905€28k€34k▲

Appropriation of the result

Profit (loss) to be appropriated9906€28k€34k▲

Transfer to equity691/2€25k€32k▲

To other reserves6921€25k€32k▲

Profit to be distributed694/7€3k€2k▼

Return on contributions (dividend)694€2k-

Directors or managers695€2k€2k▲

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

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

21-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €100kEq €109k ▲41.4%

3 profitable years in a row build equity to €109k.

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €28k ▼49.4%

Net result drops to €28k, the lowest in the series; recovery starts the following year.

25-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Scherpenheuvel-Zichem · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Pannestraat 203272 Scherpenheuvel-Zichem

Ground area

1,719 m²

Building footprint

193 m²

Parcel 24071C0313/00C000, Flanders. Linked by address, not a title deed.

1 establishment unit

Tuinen Minten

Pannestraat 20, 3272 Scherpenheuvel-ZichemForestry and logging

since 20222.340.591.192

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24071C0313/00C000	Flanders	1,719 m²	1 · 193 m²	-

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.

Similar companies · same sector, comparable size

EXTERIEURCONCEPTEN DEJONGHE

Diepenbeek · Eq €109k

GO GREEN

BE 0721.906.068

Knokke-Heist · Eq €108k

MOVE.COM

BE 0821.964.241

Court-Saint-Etienne · Eq €108k

Of 21,218 companies in sector 81300 we hold annual accounts for 4,363. 3,612 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-12-2022

Fiscal year end31-12

Activities, NACEBEL

81300Landscape service activities

02100Forestry and logging

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.