TVL CONSULT
ActiveTVL CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €-10k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 1.1% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€10k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
13 d early
2023
22 d early
2022
20 d early
2021
23 d early
2020
17 d early
2019
17 d early
← 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
€77k▼ 11.1%
2024 · €86k
2018: €104k
2019: €100k
2020: €99k
2021: €100k
2022: €95k
2023: €90k
2024: €86k
2018 → 2025
Total assets
€78k▼ 11.2%
2024 · €87k
2018: €131k
2019: €129k
2020: €166k
2021: €152k
2022: €147k
2023: €110k
2024: €87k
2018 → 2025
Net result
€-10k▼ 138%
2024 · €-4k
2018: €15k
2019: €9k
2020: €11k
2021: €17k
2022: €14k
2023: €-5k
2024: €-4k
2018 → 2025
Working capital
€77k▼ 9.8%
2024 · €85k
2018: €91k
2019: €86k
2020: €85k
2021: €88k
2022: €86k
2023: €80k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€95k▼ 4.9%€90k▼ 5.1%€86k▼ 4.4%€77k▼ 11.1%
Operating result€20k-€19k▼ 7.5%€-4k€-4k▲ 16.0%€-13k▼ 260%
Net result€17k-€14k▼ 19.8%€-5k€-4k▲ 17.6%€-10k▼ 138%
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 stays negative: a loss of €13k in 2025 against €4k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€29▼ 96.8%
Current assets
€78k▼ 10.3%
Equity and liabilities €78k
Equity
€77k▼ 11.1%
Debt
€838▼ 20.5%
The debt ratio falls from 1.2% to 1.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-12k▼
2024 · €-3k
Cash flow
€-9k▼
2024 · €-3k
Solvency
98.9%▲
2024 · 98.8%
Debt / equity
0.01▼
2024 · 0.01
ROE
-12.5%▼
2024 · -4.7%
ROA
-12.3%▼
2024 · -4.6%
Interest coverage
-127.64▼
2024 · -4.22
Debt
€838▼
2024 · €1k
Debt ≤ 1 year
€560▼
2024 · €1k
Income taxes
€165▲
2024 · €160
A ratio outside any meaningful range has been withheld (balance sheet total €78k, equity €77k).
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€87k€78k▼
Formation expenses20-€0
Fixed assets21/28€910€29▼
Tangible fixed assets22/27€910€29▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€910€29▼
Other tangible fixed assets26-€0
Current assets29/58€87k€78k▼
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€3k€2k▼
Current investments50/53€78k€63k▼
Cash at bank and in hand54/58€2k€8k▲
Deferred charges and accrued income490/1€891€970▲
Equity and liabilities
Total equity and liabilities10/49€87k€78k▼
Equity10/15€86k€77k▼
Contributions10/11€6k€6k=
Reserves13€88k€88k=
Tax-exempt reserves132€809€809=
Distributable reserves133€87k€87k=
Profit (loss) carried forward14€-8k€-17k▼
Amounts payable17/49€1k€838▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€1k€560▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€646€560▼
Suppliers440/4€646€560▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€408-
Accrued charges and deferred income492/3-€278
Income statement
Code20242025
Non-recurring operating income76A€10k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€881▼
Other operating charges640/8€955€582▼
Gross operating margin9900€-2k€-12k▼
Operating profit (loss)9901€-4k€-13k▼
Financial income75/76B€476€4k▲
Recurring financial income75€476€4k▲
Non-recurring financial income76B€0-
Financial charges65/66B€622€98▼
Recurring financial charges65€622€98▼
Profit (loss) for the period before taxes9903€-4k€-9k▼
Income taxes67/77€160€165▲
Profit (loss) for the period9904€-4k€-10k▼
Profit (loss) for the period to be appropriated9905€-4k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-17k▼
Profit (loss) brought forward from the previous period14P€-5k€-8k▼
Transfer from equity791/2€1k-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (4 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 13current ratio 82.13
Current ratio from 6.53 to 82.13; short-term debt falls from €14k to €1k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €17k ▲63.3%
Net result €17k, the highest in the series.
31-12
Financial
Equity above €100kEq €100k ▲1.3%
4 profitable years in a row build equity to €100k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Tervuren · 1 establishment unit since 2008
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.
Kleinveld 193080 TervurenGround area
638 m²
Building footprint
103 m²
Volume, LiDAR
606 m³
Parcel 24023B0206/03Y000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kleinveld 19, 3080 Tervuren
since 20082.168.019.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24023B0206/03Y000 | Flanders | 638 m² | 1 · 103 m² | 8.4 m · 2 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.
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ÉTERTEC
BE 1019.391.707
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BLUE SOFTWARE
BE 0777.335.828
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HBI TECHNOLOGY
BE 0720.941.612
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Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 15,528 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2008
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
77110Renting and leasing of cars and light motor vehicles
77393Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.