T&N AY
ActiveSummary
The computed 12-month bankruptcy probability of T&N AY is 2.5% (moderate). The 2024 annual accounts show equity of €206k and a net result of €30k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 18941 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 5.95 against 3.98 in 2023; short-term debt: 16.2% and cash: 25.6% of total assets), and 16.2% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
54 d late
2022
61 d late
2021
75 d late
2020
87 d late
2019
70 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€206k▲ 17.1%
2023 · €176k
2018: €117k
2019: €138k
2020: €139k
2021: €150k
2022: €151k
2023: €176k
2018 → 2024
Total assets
€245k▲ 6.2%
2023 · €231k
2018: €209k
2019: €219k
2020: €189k
2021: €178k
2022: €162k
2023: €231k
2018 → 2024
Net result
€30k▲ 24.6%
2023 · €24k
2018: €19k
2019: €21k
2020: €2k
2021: €10k
2022: €2k
2023: €24k
2018 → 2024
Working capital
€197k▲ 18.9%
2023 · €165k
2018: €103k
2019: €114k
2020: €108k
2021: €121k
2022: €131k
2023: €165k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€139k-€150k▲ 7.4%€151k▲ 1.2%€176k▲ 16.0%€206k▲ 17.1%
Operating result€-3k-€22k€10k▼ 52.5%€34k▲ 231%€41k▲ 20.7%
Net result€2k-€10k▲ 504%€2k▼ 83.2%€24k▲ 1,296%€30k▲ 24.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 21% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €245k
Fixed assets
€9k ▼ 12.0%
Current assets
€237k ▲ 7.0%
Equity and liabilities €245k
Equity
€206k ▲ 17.1%
Debt
€40k ▼ 28.4%
Debt's share of the balance-sheet total falls from 24.0% to 16.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43k▼
2023 · €44k
Cash flow
€31k▼
2023 · €34k
Current ratio
5.95▲
2023 · 3.98
Quick ratio
5.71▲
2023 · 3.81
Debt to equity
0.19▼
2023 · 0.32
ROE
14.6%▲
2023 · 13.8%
ROA
12.3%▲
2023 · 10.5%
Interest coverage
10.61▼
2023 · 41.98
Debt ≤ 1 year
€40k▼
2023 · €56k
Income taxes
€10k▲
2023 · €9k
Staff costs
€62k▲
2023 · €40k
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 · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€231k€245k▲
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€5k€4k▼
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€5k€5k=
Current assets29/58€221k€237k▲
Amounts receivable after more than one year29-€92k
Trade receivables290-€92k
Stocks and contracts in progress3€9k€9k▲
Stocks30/36€9k€9k▲
Amounts receivable within one year40/41€159k€73k▼
Trade receivables40€47k€36k▼
Other amounts receivable41€112k€37k▼
Cash at bank and in hand54/58€53k€63k▲
Equity and liabilities
Total equity and liabilities10/49€231k€245k▲
Equity10/15€176k€206k▲
Contributions10/11€6k€6k=
Reserves13€6k€6k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€163k€193k▲
Amounts payable17/49€56k€40k▼
Amounts payable within one year42/48€56k€40k▼
Trade debts44€39k€25k▼
Suppliers440/4€39k€25k▼
Taxes, remuneration and social security45€17k€15k▼
Taxes450/3€14k€10k▼
Remuneration and social security454/9€3k€5k▲
Income statement
Code20232024
Remuneration, social security and pensions62€40k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€1k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€87k€108k▲
Operating profit (loss)9901€34k€41k▲
Financial income75/76B€6€2k▲
Recurring financial income75€6€2k▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€33k€40k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€24k€30k▲
Profit (loss) for the period to be appropriated9905€24k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€163k€193k▲
Profit (loss) brought forward from the previous period14P€139k€163k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €30k ▲24.6%
Operating result €41k, net result €30k, both a record.
31-12
Financial
Equity above €200kEq €206k ▲17.1%
7 profitable years in a row build equity to €206k.
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 12.82
Current ratio from 5.21 to 12.82; short-term debt falls from €29k to €11k.
31-12
Financial
Equity above €150kEq €151k ▲1.2%
5 profitable years in a row build equity to €151k.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Weakest financial yearnet €2k ▼91.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
22-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 53 days late
Show earlier events
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 43 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Jette · 1 establishment unit since 2008
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.
Kardinaal Mercierplein 411090 JetteGround area
82 m²
Building footprint
82 m²
Volume, LiDAR
807 m³
Parcel 21463D0264/00Z003, Brussels · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
T&N AY
since 20082.171.085.969
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21463D0264/00Z003 | Brussels | 82 m² | 1 · 82 m² | 13.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteJette2.171.085.969
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 6,620 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
Founded29-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
56220Contract catering and other food service activities
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.