Checked.be
Active
BE 0537.829.069Private limited company
T&J MOBILE
Place de l'Hôtel de Ville 15 ·6200 Châtelet, Belgium· 13 yrs active
Sector: Retail sale of information and communication equipment
(47400)
Conclusion
T&J MOBILE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €9k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 91% of 9900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €132k |
| Net result | €9k |
| Better than sector | 91% |
| Active | 13 yrs |
Financial profile
75
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
35
Solvency
100
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2013, 13 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€11k
estimate, not credit advice
Score history
63
2021
76
2022
70
2023
100
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 5.12 (≥ 1.5)
+10
Quick ratio
Quick ratio 3.12 (≥ 1.0)
+5
Leverage
Debt/equity 0.21 (< 1.0)
+10
Profitability
ROE 7%
+3
Interest coverage
Interest coverage 13.3× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±1.9%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 82.6% | 37.6% | |
| Net result | €9k | €31k | |
| Equity | €132k | €261k | |
| Gross operating margin | €201k | €227k | |
| Staff costs | €163k | €159k |
€38k
+28.4%
21-25
€9k
-54.6%
21-25
€11k
-53.1%
21-25
€160k
-6.3%
21-25
€132k
+7.6%
21-25
€114k
+27.1%
21-25
4
0.0%
21-25
€163k
+20.1%
21-25
€9k
+76.0%
21-25
€28k
-41.9%
21-25
€28k
-41.9%
21-25
5.12
+77.6%
21-25
3.12
+84.3%
21-25
82.6%
+14.8%
21-25
0.21
-46.0%
21-25
7.1%
-57.8%
21-25
5.8%
-51.6%
21-25
13.34
-38.9%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €38k | €29k | €24k | €12k | €23k |
| Net profit | €9k | €21k | €-27k | €6k | €15k |
| Cash flow | €11k | €23k | €-23k | €10k | €19k |
| Staff costs | €163k | €135k | €127k | €94k | €76k |
| Income taxes | €9k | €5k | €4k | €2k | €4k |
| Dividends | - | - | - | - | - |
| Total assets | €160k | €170k | €180k | €225k | €185k |
| Equity | €132k | €123k | €102k | €127k | €120k |
| Debt | €28k | €48k | €78k | €98k | €65k |
| of which ≤ 1y | €28k | €48k | €78k | €98k | €65k |
| of which > 1y | - | - | - | - | - |
| Working capital | €114k | €90k | €67k | €15k | €-8k |
| Employees (FTE) | - | 4.0 | 4.0 | 2.9 | 3.7 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 5.12 | 2.88 | 1.86 | 1.15 | 0.88 |
| Quick ratio | 3.12 | 1.69 | 1.14 | 0.73 | 0.30 |
| Working capital ratio | 71.5% | 52.7% | 37.3% | 6.6% | -4.3% |
| Solvency | 82.6% | 72.0% | 56.8% | 56.3% | 64.7% |
| Debt / equity | 0.21 | 0.39 | 0.76 | 0.77 | 0.55 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 13.34 | 21.85 | 33.85 | 19.11 | 29.95 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 5.8% | 12.1% | -14.8% | 2.9% | 7.9% |
| ROE | 7.1% | 16.7% | -26.0% | 5.1% | 12.2% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €160k | €170k | €180k | €225k | €185k |
| Fixed assets | 21/28 | €18k | €33k | €35k | €112k | €127k |
| Intangible fixed assets | 21 | - | - | €1k | €2k | €4k |
| Tangible fixed assets | 22/27 | €3k | €3k | €2k | €3k | €5k |
| Financial fixed assets | 28 | €15k | €30k | €32k | €106k | €119k |
| Current assets | 29/58 | €142k | €138k | €145k | €113k | €57k |
| Stocks & contracts in progress | 3 | €55k | €57k | €56k | €42k | €38k |
| Amounts receivable within one year | 40/41 | €12k | €34k | €7k | €39k | €3k |
| Cash & bank | 54/58 | €75k | €45k | €67k | €32k | €17k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €160k | €170k | €180k | €225k | €185k |
| Equity | 10/15 | €132k | €123k | €102k | €127k | €120k |
| Contributions / capital | 10/11 | €20k | €20k | €20k | €19k | €19k |
| Reserves | 13 | - | - | - | €2k | €2k |
| Accumulated profits (losses) | 14 | €111k | €102k | €82k | €106k | €99k |
| Amounts payable | 17/49 | €28k | €48k | €78k | €98k | €65k |
| Amounts payable within one year | 42/48 | €28k | €48k | €78k | €98k | €65k |
| Trade debts payable within one year | 44 | €4k | €23k | €25k | €29k | €36k |
| Income statement | ||||||
| Gross operating margin | 9900 | €201k | €168k | €152k | €107k | €100k |
| Operating result | 9901 | €36k | €27k | €20k | €9k | €20k |
| Financial income | 75 | €3 | €85 | €79 | €33 | - |
| Financial charges | 65 | €3k | €1k | €699 | €650 | €780 |
| Result before taxes | 9903 | €19k | €26k | €-22k | €9k | €19k |
| Income taxes | 67/77 | €9k | €5k | €4k | €2k | €4k |
| Net result for the period | 9904 | €9k | €21k | €-27k | €6k | €15k |
| Result to be appropriated | 9905 | €9k | €21k | €-27k | €6k | €15k |
Legal Structure
| NACE primary | Retail sale of information and communication equipment(47400) |
| Legal form | Private limited company(610) |
| Incorporation | 02-09-2013 |
| Status | Active |
| Postal code | 6200 |
Establishment units
T & J MOBILE
since 20132.221.731.352
T & J MOBILE
since 20142.230.568.448
T & J MOBILE
since 20152.266.624.140
Real-estate footprint
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B0346/00Y000 | Wallonia | 1,697 m² | 1 · 442 m² | 13.0 m · 3 fl. |
| 52012A0318/00R000 | Wallonia | 266 m² | 1 · 170 m² | 12.3 m · 4 fl. |
| 52011D0126/02S000indicative | Wallonia | 27 m² | - | - |
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-27k ▼513%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 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 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Retail sale of information and communication equipment47400Retail trade47420
Names & trade names
| Legal nameFR | T&J MOBILE |
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