Tybco
ActiveSummary
Tybco has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-110k) and a net result of €-25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability24▼-11
Solvency20▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.86 against 0.89 in 2023; short-term debt: 103.7% and cash: 0.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-4.6%
Return on assets
-1.1%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18192021222325
2018 to 2025 · latest year €-110k
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 30-04-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2023
48 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
91 d late
2018
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€-110k▼ 30.0%
2023 · €-84k
2018: €96k
2019: €21k
2020: €-13k
2021: €-53k
2022: €-122k
2023: €-84k
2018 → 2025
Total assets
€2.37M▼ 20.0%
2023 · €2.96M
2018: €365k
2019: €771k
2020: €755k
2021: €1.96M
2022: €2.26M
2023: €2.96M
2018 → 2025
Net result
€-25k
2023 · €37k
2018: €-33k
2019: €-74k
2020: €-35k
2021: €-40k
2022: €-69k
2023: €37k
2018 → 2025
Working capital
€-352k▼ 9.1%
2023 · €-323k
2018: €-259k
2019: €-263k
2020: €-39k
2021: €354k
2022: €578k
2023: €-323k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€-13k-€-53k▼ 308%€-122k▼ 128%€-84k▲ 30.7%€-110k▼ 30.0%
Operating result€-12k-€-28k▼ 142%€-28k▲ 2.3%€100k€14▼ 100.0%
Net result€-35k-€-40k▼ 16.6%€-69k▼ 70.1%€37k€-25k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €14 in 2025, compared with €100k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €2.37M
Fixed assets
€266k ▼ 7.0%
Current assets
€2.10M ▼ 21.3%
Key figures and ratios
EBITDA
€23k▼
2023 · €113k
Cash flow
€-2k▼
2023 · €50k
Solvency
-4.6%▼
2023 · -2.9%
Current ratio
0.86▼
2023 · 0.89
Quick ratio
0.05▼
2023 · 0.44
Debt to equity
-22.57▲
2023 · -36.04
ROA
-1.1%▼
2023 · 1.3%
Interest coverage
0.84▼
2023 · 1.74
Debt
€2.48M▼
2023 · €3.04M
Debt ≤ 1 year
€2.46M▼
2023 · €3.00M
Debt > 1 year
€0▼
2023 · €19k
Income taxes
€50
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2023 · 48 lines
Balance sheet
Code20232025
Assets
Total assets20/58€2.96M€2.37M▼
Fixed assets21/28€285k€266k▼
Tangible fixed assets22/27€285k€265k▼
Land and buildings22€40k€38k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€29k€10k▼
Other tangible fixed assets26€215k€215k=
Financial fixed assets28€500€500=
Current assets29/58€2.67M€2.10M▼
Stocks and contracts in progress3€1.34M€1.98M▲
Stocks30/36€1.34M€1.98M▲
Amounts receivable within one year40/41€443k€114k▼
Trade receivables40€442k€102k▼
Other amounts receivable41€1k€12k▲
Cash at bank and in hand54/58€888k€5k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.96M€2.37M▼
Equity10/15€-84k€-110k▼
Contributions10/11€240k€240k=
Profit (loss) carried forward14€-324k€-350k▼
Amounts payable17/49€3.04M€2.48M▼
Amounts payable after more than one year17€19k€0▼
Financial debts170/4€19k€0▼
Amounts payable within one year42/48€3.00M€2.46M▼
Current portion of amounts payable after more than one year42€873k€11k▼
Financial debts43-€73
Credit institutions430/8-€73
Trade debts44€47k€16k▼
Suppliers440/4€47k€16k▼
Advances received on contracts in progress46€1.43M€1.85M▲
Taxes, remuneration and social security45€70k€0▼
Taxes450/3€70k€0▼
Other amounts payable47/48€576k€581k▲
Accrued charges and deferred income492/3€28k€23k▼
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€23k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€115k€26k▼
Operating profit (loss)9901€100k€14▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€65k€28k▼
Recurring financial charges65€65k€28k▼
Profit (loss) for the period before taxes9903€37k€-25k▼
Income taxes67/77-€50
Profit (loss) for the period9904€37k€-25k▼
Profit (loss) for the period to be appropriated9905€37k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-324k€-350k▼
Profit (loss) brought forward from the previous period14P€-362k€-324k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Back to profitnet €37k
Net result €37k after 5 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-74k
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Deerlijk · 1 establishment unit since 2015
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.
Zandstraat 68540 DeerlijkGround area
815 m²
Building footprint
211 m²
Volume, LiDAR
1,183 m³
Parcel 34009B0140/00D000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zandstraat 6, 8540 Deerlijk
since 20152.242.598.923
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009B0140/00D000 | Flanders | 815 m² | 1 · 211 m² | 9.0 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.
Similar companies · same sector, comparable size
Janssens Building Services
BE 0776.640.002
Temse · Eq €21,500
L. Sphere Privest 1
BE 0533.789.911
Etterbeek · Eq €21,516
KEY CONSULT
BE 0866.289.677
Beveren-Kruibeke-Zwijndrecht · Eq €21,429
GNW IMMO
BE 0672.454.577
Oostende · Eq €21,565
L.M.I.
BE 0477.974.527
Viroinval · Eq €21,591
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 4,117 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2015
Fiscal year end30-09
Activities, NACEBEL 2025
68121Development of residential building projects
41001General construction of residential buildings
68122Development of non-residential building projects
43211General electrical installation work
43212Electrical installation work in industrial facilities
43221Plumbing work
43240Other construction installation
43990Other specialised construction activities
66220Insurance agents and brokers
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.