ALAIN TITS
ActiveALAIN TITS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €662k and a net result of €160k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 42% of 1461 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 10 filingsDeviation from the deadline
2025
3 d late
2024
28 d late
2023
29 d late
2022
31 d late
2021
24 d late
2020
30 d late
2019
91 d late
← 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, abbreviated schema
Equity
€662k▼ 15.8%
2024 · €786k
2018: €262k
2019: €328k
2020: €462k
2021: €530k
2022: €631k
2023: €610k
2024: €786k
2018 → 2025
Net result
€160k▼ 8.7%
2024 · €175k
2018: €38k
2019: €65k
2020: €134k
2021: €181k
2022: €101k
2023: €59k
2024: €175k
2018 → 2025
Total assets
€2.13M▼ 14.7%
2024 · €2.50M
2018: €793k
2019: €923k
2020: €1.04M
2021: €1.12M
2022: €1.11M
2023: €1.28M
2024: €2.50M
2018 → 2025
Solvency
31.0%▼ 0.4pp
2024 · 31.4%
2018: 33.1%
2019: 35.5%
2020: 44.3%
2021: 47.2%
2022: 56.7%
2023: 47.7%
2024: 31.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€530k-€631k▲ 19.1%€610k▼ 3.3%€786k▲ 28.8%€662k▼ 15.8%
Operating result€279k-€169k▼ 39.4%€133k▼ 21.6%€289k▲ 118%€350k▲ 21.5%
Net result€181k-€101k▼ 44.0%€59k▼ 42.2%€175k▲ 200%€160k▼ 8.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.13M
Fixed assets
€1.82M▼ 7.3%
Current assets
€310k▼ 42.0%
Equity and liabilities €2.13M
Equity
€662k▼ 15.8%
Debt
€1.47M▼ 14.2%
The debt ratio rises from 68.6% to 69.0%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
31.0%▼
2024 · 31.4%
ROE
24.2%▲
2024 · 22.3%
ROA
7.5%▲
2024 · 7.0%
Debt
€1.47M▼
2024 · €1.72M
Debt ≤ 1 year
€342k▼
2024 · €433k
Debt > 1 year
€1.11M▼
2024 · €1.26M
Income taxes
€154k▲
2024 · €83k
Staff costs
€589k▲
2024 · €466k
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€2.50M€2.13M▼
Fixed assets21/28€1.97M€1.82M▼
Intangible fixed assets21€732k€655k▼
Tangible fixed assets22/27€1.23M€1.17M▼
Land and buildings22€1,000k€958k▼
Plant, machinery and equipment23€16k€14k▼
Furniture and vehicles24€185k€166k▼
Other tangible fixed assets26€31k€28k▼
Financial fixed assets28€3k€3k=
Current assets29/58€535k€310k▼
Amounts receivable after more than one year29€68k€0▼
Other amounts receivable291€68k€0▼
Amounts receivable within one year40/41€45k€17k▼
Trade receivables40€7k€17k▲
Other amounts receivable41€38k€0▼
Current investments50/53€237k€56k▼
Cash at bank and in hand54/58€58k€108k▲
Deferred charges and accrued income490/1€126k€130k▲
Equity and liabilities
Total equity and liabilities10/49€2.50M€2.13M▼
Equity10/15€786k€662k▼
Contributions10/11€12k€12k=
Reserves13€773k€649k▼
Tax-exempt reserves132€14k€14k=
Distributable reserves133€759k€635k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.72M€1.47M▼
Amounts payable after more than one year17€1.26M€1.11M▼
Financial debts170/4€1.26M€1.11M▼
Amounts payable within one year42/48€433k€342k▼
Current portion of amounts payable after more than one year42€183k€162k▼
Financial debts43€6k€19▼
Credit institutions430/8€6k€19▼
Trade debts44€148k€54k▼
Suppliers440/4€148k€54k▼
Taxes, remuneration and social security45€96k€114k▲
Taxes450/3€42k€44k▲
Remuneration and social security454/9€53k€70k▲
Other amounts payable47/48-€12k
Accrued charges and deferred income492/3€18k€19k▲
Income statement
Code20242025
Non-recurring operating income76A€0€9k▲
Remuneration, social security and pensions62€466k€589k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€144k€201k▲
Other operating charges640/8€10k€8k▼
Non-recurring operating charges66A€675€5k▲
Gross operating margin9900€909k€1.15M▲
Operating profit (loss)9901€289k€350k▲
Financial income75/76B€3k€11k▲
Recurring financial income75€3k€11k▲
Financial charges65/66B€33k€48k▲
Recurring financial charges65€33k€48k▲
Profit (loss) for the period before taxes9903€258k€314k▲
Income taxes67/77€83k€154k▲
Profit (loss) for the period9904€175k€160k▼
Profit (loss) for the period to be appropriated9905€175k€160k▼
Appropriation of the result
Profit (loss) to be appropriated9906€175k€160k▼
Transfer from equity791/2€0€284k▲
Transfer to equity691/2€175k€160k▼
To other reserves6921€175k€160k▼
Profit to be distributed694/7€0€284k▲
Return on contributions (dividend)694€0€284k▲
Social balance
Average headcount (FTE)90875.46.5▲
The notes to these accounts (26 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €181k ▲35%
Net result €181k, the highest in the series.
31-12
Financial
Equity above €500kEq €530k ▲14.8%
4 profitable years in a row build equity to €530k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Truiden · 1 establishment unit since 2004
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.
Driesstraat 283800 Sint-TruidenGround area
1,822 m²
Building footprint
385 m²
Volume, LiDAR
1,005 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zakenkantoor Tits
since 20042.136.021.855
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064C0752/00E000 | Flanders | 1,030 m² | 1 · 149 m² | 9.8 m · 2 fl. |
| 71353E0366/00T000 | Flanders | 792 m² | 1 · 235 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600J2FS0WXW4SMX35
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Of 1,679 companies in sector 66191 we hold annual accounts for 1,227. 958 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2004
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.