TYM GROUP
ActiveSummary
The computed 12-month bankruptcy probability of TYM GROUP is 1.9% (moderate). The 2025 annual accounts show equity of €39k and a net result of €954. Equity is growing by ~92.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 7500 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability23▼-73
Solvency73▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.18 against 1.99 in 2024; short-term debt: 44.4% and cash: 1.2% of total assets), but 51.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.5%
Return on assets
1.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
27 d late
2022
29 d late
2021
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 2.5%
2024 · €39k
Total assets
€81k▼ 7.5%
2024 · €88k
Net result
€954▼ 95.0%
2024 · €19k
Working capital
€43k▼ 0.3%
2024 · €43k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€5k-€579▼ 87.6%€14k▲ 2,352%€24k▲ 67.5%€-478
Net result€4k-€379▼ 89.8%€12k▲ 2,946%€19k▲ 65.0%€954▼ 95.0%
Equity€5k-€6k▲ 7.3%€19k▲ 247%€39k▲ 97.9%€39k▲ 2.5%
Total assets€11k-€20k▲ 78.7%€41k▲ 101%€88k▲ 114%€81k▼ 7.5%
Debt€6k-€15k▲ 139%€22k▲ 46.2%€50k▲ 129%€42k▼ 15.2%
Working capital€6k-€10k▲ 70.5%€28k▲ 184%€43k▲ 50.5%€43k▼ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €478 after €24k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€3k ▲ 20.1%
Current assets
€79k ▼ 8.2%
Equity and liabilities €81k
Equity
€39k ▲ 2.5%
Debt
€42k ▼ 15.2%
Debt's share of the balance-sheet total falls from 56.3% to 51.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93▼
2024 · €24k
Cash flow
€2k▼
2024 · €19k
Current ratio
2.18▲
2024 · 1.99
Debt to equity
1.06▼
2024 · 1.29
ROE
2.4%▼
2024 · 49.5%
ROA
1.2%▼
2024 · 21.6%
Interest coverage
0.33▼
2024 · 93.94
Debt ≤ 1 year
€36k▼
2024 · €43k
Income taxes
€594▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €510 | €360 | €220 | €268 | €571 | ▲ 113% |
| Other operating charges640/8 | €555 | €135 | - | €1k | €548 | ▼ 48.6% |
| Gross operating margin9900 | €6k | €1k | €14k | €25k | €641 | ▼ 97.4% |
| Operating profit (loss)9901 | €5k | €579 | €14k | €24k | €-478 | ▼ 102% |
| Financial income75/76B | €80 | €386 | €709 | €1k | €2k | ▲ 82.9% |
| Recurring financial income75 | €80 | €386 | €709 | €1k | €2k | ▲ 82.9% |
| Financial charges65/66B | €29 | €257 | €207 | €256 | €284 | ▲ 10.7% |
| Recurring financial charges65 | €29 | €257 | €207 | €256 | €284 | ▲ 10.7% |
| Profit (loss) for the period before taxes9903 | €5k | €708 | €15k | €25k | €2k | ▼ 93.8% |
| Income taxes67/77 | €1k | €329 | €3k | €6k | €594 | ▼ 89.7% |
| Profit (loss) for the period9904 | €4k | €379 | €12k | €19k | €954 | ▼ 95.0% |
| Profit (loss) for the period to be appropriated9905 | €4k | €379 | €12k | €19k | €954 | ▼ 95.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €11k | €20k | €41k | €88k | €81k | ▼ 7.5% |
| Fixed assets21/28 | €569 | €209 | €794 | €2k | €3k | ▲ 20.1% |
| Tangible fixed assets22/27 | €569 | €209 | €794 | €526 | €985 | ▲ 87.3% |
| Plant, machinery and equipment23 | €569 | €209 | - | - | - | - |
| Furniture and vehicles24 | - | - | €794 | €526 | €985 | ▲ 87.3% |
| Financial fixed assets28 | - | - | - | €2k | €2k | = |
| Current assets29/58 | €11k | €20k | €40k | €86k | €79k | ▼ 8.2% |
| Amounts receivable within one year40/41 | €11k | €17k | €36k | €77k | €77k | ▲ 0.2% |
| Trade receivables40 | €7k | €7k | €19k | €41k | €31k | ▼ 24.1% |
| Other amounts receivable41 | €4k | €10k | €17k | €36k | €46k | ▲ 28.4% |
| Cash at bank and in hand54/58 | €224 | €3k | €2k | €7k | €1k | ▼ 85.0% |
| Deferred charges and accrued income490/1 | - | €603 | €2k | €2k | €841 | ▼ 64.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €11k | €20k | €41k | €88k | €81k | ▼ 7.5% |
| Equity10/15 | €5k | €6k | €19k | €39k | €39k | ▲ 2.5% |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €4k | €4k | €18k | €37k | €38k | ▲ 2.6% |
| Amounts payable17/49 | €6k | €15k | €22k | €50k | €42k | ▼ 15.2% |
| Amounts payable within one year42/48 | €5k | €10k | €12k | €43k | €36k | ▼ 16.1% |
| Trade debts44 | €4k | €9k | €8k | €34k | €29k | ▼ 13.9% |
| Suppliers440/4 | €4k | €9k | €8k | €34k | €29k | ▼ 13.9% |
| Taxes, remuneration and social security45 | €1k | €1k | €4k | €9k | €7k | ▼ 24.4% |
| Taxes450/3 | €1k | €1k | €4k | €9k | €7k | ▼ 24.4% |
| Accrued charges and deferred income492/3 | €1k | €5k | €10k | €6k | €6k | ▼ 9.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €379 | €12k | €19k | €954 | ▼ 95.0% |
| + Depreciation and write-downs630 | €510 | €360 | €220 | €268 | €571 | ▲ 113% |
| Operating cash flow (approximation) | €4k | €739 | €12k | €19k | €2k | ▼ 92.1% |
| Investment in fixed assets (approximation) | - | €0 | €-805 | €-2k | €-1k | ▲ 41.3% |
| Change in cash | - | €3k | €-872 | €5k | €-6k | ▼ 220% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2021net €19k ▲65%
Operating result €24k, net result €19k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €379 ▼89.8%
Net result drops to €379, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Grimbergen · 1 establishment unit since 2020
Ground area
850 m²
Building footprint
462 m²
Volume, LiDAR
4,466 m³
2 parcels, Brussels, Flanders · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
43
companies at this address
See who is registered here
1 establishment unit
TYM GROUP
since 20202.305.072.861
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0526/00N004 | Flanders | 688 m² | 1 · 220 m² | 14.3 m · 4 fl. |
| 21308H0688/00W002 | Brussels | 162 m² | 1 · 242 m² | 12.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 12,840 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Contact
E-mail
TyM.group.srl@hotmail.com
Phone
0465371283
Scores and ratios are computed by Checked and are not a credit decision.