NEW TRAVHYMAT
ActiveNEW TRAVHYMAT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €52k. Its solvency ranks better than 18% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability78
Solvency39
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity ample (current ratio 1.67; short-term debt: 50.5% and cash: 25.6% of total assets), but 86.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
13.7%
Return on assets
7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 8623 sector peers (2025).
NBB · sector comparisonPosition among 8623 sector peers
Solvency
better than 18%
← weakest
strongest →
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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€102k
Total assets
€744k
Net result
€52k
Working capital
€253k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €744k
Fixed assets
€115k
Current assets
€628k
Equity and liabilities €744k
Equity
€102k
Provisions
€63k
Debt
€579k
Debt finances 77.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€82k
Cash flow
€65k
Solvency
13.7%
Current ratio
1.67
Quick ratio
1.24
Debt / equity
5.67
ROE
51.0%
ROA
7.0%
Interest coverage
13.89
Debt
€579k
Debt ≤ 1 year
€376k
Debt > 1 year
€197k
Income taxes
€11k
Staff costs
€102k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€744k
Fixed assets21/28€115k
Intangible fixed assets21€57k
Tangible fixed assets22/27€58k
Plant, machinery and equipment23€965
Leasing and similar rights25€55k
Other tangible fixed assets26€2k
Current assets29/58€628k
Stocks and contracts in progress3€164k
Stocks30/36€164k
Amounts receivable within one year40/41€261k
Trade receivables40€260k
Other amounts receivable41€496
Cash at bank and in hand54/58€190k
Deferred charges and accrued income490/1€13k
Equity and liabilities
Total equity and liabilities10/49€744k
Equity10/15€102k
Contributions10/11€50k
Profit (loss) carried forward14€52k
Provisions and deferred taxes16€63k
Provisions for liabilities and charges160/5€63k
Other liabilities and charges164/5€63k
Amounts payable17/49€579k
Amounts payable after more than one year17€197k
Financial debts170/4€197k
Amounts payable within one year42/48€376k
Current portion of amounts payable after more than one year42€53k
Trade debts44€186k
Suppliers440/4€186k
Advances received on contracts in progress46€157
Taxes, remuneration and social security45€43k
Taxes450/3€34k
Remuneration and social security454/9€8k
Other amounts payable47/48€94k
Accrued charges and deferred income492/3€6k
Income statement
Code2025
Remuneration, social security and pensions62€102k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€45k
Provisions for liabilities and charges: additions (uses and reversals)635/8€63k
Other operating charges640/8€5k
Gross operating margin9900€297k
Operating profit (loss)9901€69k
Financial income75/76B€106
Recurring financial income75€106
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€63k
Income taxes67/77€11k
Profit (loss) for the period9904€52k
Profit (loss) for the period to be appropriated9905€52k
Appropriation of the result
Profit (loss) to be appropriated9906€52k
Social balance
Average headcount (FTE)90873.3
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
NBB filing
Directors · office · real estate
Directors
2 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, Chaudfontaine · 1 establishment unit since 2024
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.
Aux Anciennes Pâtures 244052 ChaudfontaineGround area
5,872 m²
Building footprint
1,572 m²
Volume, LiDAR
838 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLAK Holding
since 20242.366.309.060
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62312A0453/00L000 | Wallonia | 4,946 m² | 1 · 1,430 m² | - |
| 62012B0180/00F002 | Wallonia | 926 m² | 1 · 142 m² | 8.6 m · 2 fl. |
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.
Similar companies · same sector, comparable size
LCC Consulting
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LIVI
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Evergem · Eq €102k
Macstream
BE 0808.922.293
Aalst · Eq €102k
OPTIMES
BE 0741.441.175
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MOPS
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Gent · Eq €102k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2024
Fiscal year end31-12
Activities, NACEBEL
46839Wholesale trade
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.