Equity
€23,542 ▼ 51.8%
TXC 3D Construct paid out €45,805 in dividends. That is 110% of the 2025 profit.
TXC 3D Construct
Overview
Lifetime
4 annual accounts with figures on one time axispeak €61,253 (2024)
€50,554▼ 17.5%
lowest -€2,968 (2023)
€41,542▼ 15.7%
peak €48,805 (2024)
€23,542▼ 51.8%
€58,067▲ 65.5%
Board1 name since 2022
1 directorNOWAK Tomasz Grzegorz
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Gross margin from €61,253 to €50,554Dividend €45,805Equity from €48,805 to €23,542Debts from €35,091 to €58,067Cash from €35,308 to €46,354
Key points
from the 2025 annual accountsTurnover
≈ €200,000 estimated
The micro format states no turnover.
Debts
€58,067 71% of the balance sheet
Suppliers 9%Taxes and wages 29%Other 63%
Of this, €57,758 falls due within a year.
Liquidity
1.40 was 2.34 in 2024
Short-term debts rose from €35,091 to €57,758.
Filings
4 annual accounts 3 late
The 2022 accounts came latest: 32 days after the end of the period.
Position in the sector
€41,542
Higher net result than 82% of companies in specialised construction. Sector median €10,184 · 35,124 companies.
Checked score
82
Excellent
Financially stronger than 48% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.3%
01-2025: 2.3%● unchanged vs 12-2024
02-2025: 2.2%▼ -0.1 percentage points vs 01-2025
03-2025: 2.3%▲ +0.1 percentage points vs 02-2025
04-2025: 2.3%● unchanged vs 03-2025
05-2025: 2.3%● unchanged vs 04-2025
06-2025: 2.3%● unchanged vs 05-2025
07-2025: 2.4%▲ +0.1 percentage points vs 06-2025
08-2025: 2.9%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 0.7%▼ -2.2 percentage points vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 0.5%▼ -0.2 percentage points vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026lowest value
10-2026: 0.5%● unchanged vs 09-2026lowest value
11-2026: 0.5%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2022
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 1.40, cash €46,354
Figures for financial year 2025 (filed on 28-07-2026)
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 43, micro). It does better than 30% of them on solvency, 60% on liquidity, 92% on profitability and 9% on growth.
The bankruptcy probability was computed on 09-11-2026 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 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, 7,976 companies had the same profile as TXC 3D Construct has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TXC 3D Construct itself is lower: 0.5% within 12 months. It rests on far more data about TXC 3D Construct than the profile alone.
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.
| 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 7,976 companies, not a prediction for TXC 3D Construct. 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 €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.4 (2.34 in 2024), below the usual 1.5. Short-term debt is 70.8% and cash 56.8% of total assets. 71.2% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 days early
2024
25 days late
2023
28 days late
2022
32 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 21 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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 27 August (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0794615783
Incorporation
Founding capital of €3,000, 100 shares · Founder: NOWAK Tomasz Grzegorz · Appointment: NOWAK Tomasz Grzegorz (director) · published on 13-12-2022 · Gazette deed
First establishment
Molenstraat 56, Beveren-Kruibeke-Zwijndrecht
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TXC 3D Construct Beveren-Kruibeke-Zwijndrecht | €81,609 | €50,554 | 28.8% | - |
| SahrEmes Lokeren | €76,871 | €57,205 | 34.0% | - |
| ATMACA Ghent | €91,072 | €52,010 | 80.1% | - |
| TUNCA Ghent | €83,558 | €58,625 | 81.4% | - |
| AZ-Tech Lebbeke | €76,761 | €47,310 | 82.1% | - |
| HMDL Group Zelzate | €81,945 | €58,029 | 44.3% | - |
| MI WORKS Lokeren | €87,256 | €58,332 | 31.0% | - |
These companies have the same main activity as TXC 3D Construct: general electrical installation work (NACE 43211). They are comparable in size and age: total assets between €76,800 and €91,100, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 09-12-2022Normal situation
- Activity
- General electrical installation workNACE 43211and 1 other
- Establishment unit
- 2.339.771.1479150 Beveren-Kruibeke-Zwijndrecht, since 09-12-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 30-03-2025
Annual accounts 2025
- €50,554▼ 17.5%
- €41,542▼ 15.7%
- €23,542▼ 51.8%
- €81,609▼ 2.7%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on TXC 3D Construct
TXC 3D Construct files the micro format. That format states no turnover. The gross margin rose from €30,948 in 2022 to €50,554 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-07-2026, 3 days before the deadline€50,554
▼ 17.5%
€48,107
▼ 16.8%
€41,542
▼ 15.7%
€23,203
▼ 50.5%
28.8%
▼ 29.3 percentage points
1.40
▼ 0.93
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €120,000 and €310,000.
Balance sheet
balance sheet total €81,609 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
28.8%
Higher than 30% of 35,136 companies in 2025.
1.40
Higher than 37% of 34,510 companies in 2025.
50.9%
Higher than 95% of 34,711 companies in 2025.
TXC 3D Construct
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
81,609 | 83,896 | 42,410 | 52,553 | |
21/28 |
648 | 1,946 | 3,747 | 4,944 | |
21 |
326 | 737 | 1,148 | 1,560 | |
22/27 |
322 | 1,209 | 2,599 | 3,385 | |
23 |
115 | 383 | 651 | 919 | |
24 |
207 | 826 | 1,948 | 2,466 | |
29/58 |
80,961 | 81,951 | 38,663 | 47,608 | |
40/41 |
32,810 | 45,457 | 32,648 | 44,608 | |
40 |
4,673 | 548 | 5,783 | 44,608 | |
41 |
28,137 | 44,909 | 26,865 | - | |
54/58 |
46,354 | 35,308 | 5,033 | 3,000 | |
490/1 |
1,797 | 1,185 | 982 | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
81,609 | 83,896 | 42,410 | 52,553 | |
10/15 |
23,542 | 48,805 | 22,874 | 25,842 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | |
13 |
20,542 | 45,805 | 19,874 | 22,842 | |
133 |
20,542 | 45,805 | 19,874 | 22,842 | |
14 |
0 | 0 | - | - | |
17/49 |
58,067 | 35,091 | 19,537 | 26,711 | |
42/48 |
57,758 | 35,091 | 19,537 | 26,708 | |
44 |
4,956 | 2,364 | 12,212 | 18,503 | |
440/4 |
4,956 | 2,364 | 12,212 | 18,503 | |
45 |
16,802 | 9,368 | 7,325 | 6,366 | |
450/3 |
16,802 | 9,368 | 7,325 | 6,366 | |
47/48 |
36,000 | 23,359 | 0 | 1,839 | |
492/3 |
309 | - | 0 | 3 | |
| Income statement | |||||
76A |
344 | - | - | - | |
9900 |
50,554 | 61,253 | 8,244 | 30,948 | |
630 |
1,298 | 1,801 | 3,705 | 1,454 | |
631/4 |
- | 0 | 5,621 | - | |
640/8 |
1,149 | 1,614 | 1,134 | 88 | |
9901 |
48,107 | 57,837 | -2,216 | 29,405 | |
75/76B |
1,800 | 2,033 | 673 | - | |
75 |
1,800 | 2,033 | 673 | - | |
65/66B |
1,443 | 2,299 | 670 | 197 | |
65 |
1,443 | 2,299 | 670 | 197 | |
9903 |
48,464 | 57,571 | -2,213 | 29,208 | |
67/77 |
6,922 | 8,280 | 755 | 6,366 | |
9904 |
41,542 | 49,291 | -2,968 | 22,842 | |
9905 |
41,542 | 49,291 | -2,968 | 22,842 | |
| Appropriation of the result | |||||
9906 |
41,542 | 49,291 | -2,968 | 22,842 | |
791/2 |
45,805 | 0 | 2,968 | - | |
691/2 |
20,542 | 25,932 | 0 | 22,842 | |
6921 |
20,542 | 25,932 | 0 | 22,842 | |
694/7 |
66,805 | 23,359 | - | - | |
694 |
45,805 | 859 | - | - | |
695 |
21,000 | 22,500 | - | - | |
| Document | |||||
The notes to these accounts have 8 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 28-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 49,405 | 59,638 | 1,489 | 30,859 | ||
| 42,840 | 51,092 | 737 | 24,296 | ||
| 0 | 0 | 542 | 6,399 | ||
| 11,046 | 30,275 | 2,033 | - | ||
| 23,203 | 46,859 | 19,126 | 20,900 | ||
| 28.8% | 58.2% | 53.9% | 49.2% | ||
| 1.40 | 2.34 | 1.98 | 1.78 | ||
| 2.47 | 0.72 | 0.85 | 1.03 | ||
| 176.5% | 101.0% | -13.0% | 88.4% | ||
| 50.9% | 58.8% | -7.0% | 43.5% | ||
| 34.24 | 25.94 | 2.22 | over 100 |
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| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | €542 | €4,342 |
| Intangible fixed assets | - | - | - | €2,056 |
| €1,298 | €1,801 | €3,705 | €1,454 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on TXC 3D Construct
The operating result for 2025 is 17% lower than in 2024.
Debt's share of the balance-sheet total rises from 41.8% to 71.2%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector
since 09-12-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 28-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 13-12-2022
Mandates through the years
1 name, the dashed line is todayNOWAK Tomasz Grzegorz
Director
Director
Board
Mandates as a list
- NOWAK Tomasz Grzegorz
- Director, from 09-12-2022 to date
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €235 in 2025
- Source
- deed of 13-12-2022
Articles of association
deed of 13-12-2022 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Algemene vergadering die benoemt”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s) naar evenredigheid aantal bij meerdere kopers, elke overdracht onder levenden,ten bezwarende of kosteloze…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 19:30
Shareholders
At incorporation
deed of 13-12-2022 ↗
- NOWAK Tomasz Grzegorz 100 shares (100%) · €3,000
Network & group
No group
TXC 3D Construct has no parent and no holdings in its annual accounts. NOWAK Tomasz Grzegorz is the only director. TXC 3D Construct shares no director with another company.
At the same address
Molenstraat 56, 9150 Beveren-Kruibeke-Zwijndrecht · 1 other company| Nowak, Tomasz (sole trader)
establishment since 01-07-2019 |
founded in 2019 0729.954.989 |
Timeline
Timeline
9 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 3 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 25 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0794615783
2024
Back to profit net €49,291 The net result is €49,291, after one loss-making year.
Annual accounts 2023 filed PDFmicro format · 28 days late
2023
Weakest financial year net -€2,968 The net result drops to -€2,968, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 32 days late
2022
IncorporationFounding capital of €3,000, 100 shares · Founder: NOWAK Tomasz Grzegorz · Appointment: NOWAK Tomasz Grzegorz (director) · published on 13-12-20226 points ▸
- Founder, NOWAK Tomasz Grzegorz
- Founding capital, €3,000, 100 shares
- 100 shares
- Registered office clause, Molenstraat 56 bus 4, 9150 Kruibeke
- Director appointment, NOWAK Tomasz Grzegorz
- Board rule, 1
- The deed holds 2 more points.
First establishment Molenstraat 56, Beveren-Kruibeke-Zwijndrecht
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
On 9 December 2022, TXC 3D Construct was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 NOWAK Tomasz Grzegorz has served as director since 2022.3 Total assets went from €52,553 in 2022 to €81,609 in 2025.4
Company details
Identity
- Enterprise number
- 0794.615.783
- VAT number
- BE 0794.615.783
- Peppol ID
- 0208:0794615783
- Other Peppol ID
- 9925:BE0794615783
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 09-12-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 19:30deed of 13-12-2022 (in Dutch)
- Peppol
- Reachable since 30-03-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- TXC 3D Construct in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-12-2022 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- TXC 3D Constructdeed of 13-12-2022 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 13-12-2022 (in Dutch)
Activities
NACEBEL 202543211
General electrical installation work main activity
Codes under NACEBEL 2008
43211
Specialised construction activities main activity
41203
Construction of residential and non-residential buildings
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Algemene bouwwerkzaamheden aan zowel residentiële als niet-residentiële gebouwen waaronder:vervaardiging van metalen constructiewerken en…”deed of 13-12-2022 (in Dutch)
6 activities
- Algemene bouwwerkzaamheden aan zowel residentiële als niet-residentiële gebouwen waaronder:vervaardiging van metalen constructiewerken en delen daarvan;elektrotechnische installatiewerken aan gebouwen;loodgieterswerk;stukadooswerk;schrijnwerk;plaatsen van vloer-en wandtegels;schilderen va gebouwen;glaszetten;dakwerkzaamheden;uitvoeren van voegwerken;chapewerken;
- Verlenen van stedebouwkundig advies
- De uitvoering van management-,bestuurs-,organisatie-en consultancy opdrachten voor om het even welke onderneming,vennootschap,organisatie,vereniging of privé-persoon;
- Het verlenen van technische,commerciële,administratieve en financiële bijstand aan alle Belgische en buitenlandse ondernemingen;
- Het verwerven en aanhouden van participaties in vennootschappen en ondernemingen onder eender welke vorm in België en buitenland;
- Het beheer en de uitbreiding voor eigen rekening van een patrimonium bestaande uit roerend en onroerende goederen zowel in het binnenland als in het buitenland alsmede alle handelingen die daar rechtstreeks of onrechtstreeks verband mee houden of die van aard zijn de opbrengst van haar goederen te bevorderen,zoals de aankoop en de verkoop,huur en verhuur,de ruiling of in het algemeen de verwerving of de overdracht van goederen zo roerende als onroerende,het onderhoud,de ontwikkeling,de verfraaiing en de verhuring van goederen,met uitzondering van die verrichtingen die verband houden met de normale activiteiten uitgeoefend door vastgoedmakelaars
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Molenstraat 56 registered office 9150 Beveren-Kruibeke-Zwijndrecht | 09-12-2022 | 2.339.771.147 |
Buildings and parcels at the address
- Ground area
- 287 m²
- Buildings
- 213 m²
- Volume, LiDAR
- 2,049 m³
- Tallest building
- 14.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 46013A0754/00G003 | 287 m² | 1 · 213 m² | 14.0 m · 3 |
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 0794.615.783