T&T

Active

Private limited companyfounded 20214 yrs activePlat-Ry 10, 5150 Floreffe, BelgiumKBO/BCE: BE 0775.356.830

Summary

The computed 12-month bankruptcy probability of T&T is 2.7% (moderate). The 2024 annual accounts show equity of €52k and a net result of €53k. Equity is growing by ~150.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 36375 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

66 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency74▲+56

Growth78=

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.31 against 0.79 in 2023; short-term debt: 41.8% and cash: 5.7% of total assets), and 51.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

31 d late

2023

30 d late

2022

85 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€52k

2023 · €-1k

2022: €-26k 2023: €-1k

2022 → 2024

Total assets

€107k▲ 451%

2023 · €19k

2022: €23k 2023: €19k

2022 → 2024

Net result

€53k▲ 118%

2023 · €24k

2022: €-30k 2023: €24k

2022 → 2024

Working capital

€14k

2023 · €-4k

2022: €-36k 2023: €-4k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€-26k-€-1k▲ 94.6%€52k

Operating result€-29k-€25k€69k▲ 171%

Net result€-30k-€24k€53k▲ 118%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2024 is 171% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €107k

45.3%

54.7%

Fixed assets €48k ▲ 1,567%

Current assets €58k ▲ 254%

Equity and liabilities €107k

48.7%

51.3%

Equity €52k

Debt €55k

Debt finances 51.3% of the balance-sheet total.

Key figures and ratios

2024 value · change against 2023

EBITDA

€76k▲

2023 · €27k

Cash flow

€61k▲

2023 · €26k

Current ratio

1.31▲

2023 · 0.79

Quick ratio

1.23▲

2023 · 0.63

Debt to equity

1.05▲

2023 · -14.96

ROE

102.7%

ROA

50.0%▼

2023 · 126.3%

Interest coverage

39.07▲

2023 · 31.96

Debt ≤ 1 year

€45k▲

2023 · €21k

Debt > 1 year

€10k

Income taxes

€14k

Staff costs

€18k▼

2023 · €27k

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 · 47 lines

Balance sheet Code20232024

Assets

Total assets20/58€19k€107k▲

Fixed assets21/28€3k€48k▲

Intangible fixed assets21-€14k

Tangible fixed assets22/27€3k€35k▲

Plant, machinery and equipment23€2k€5k▲

Furniture and vehicles24€1k€30k▲

Financial fixed assets28€0€150▲

Current assets29/58€16k€58k▲

Stocks and contracts in progress3€3k€4k▲

Stocks30/36€3k€4k▲

Amounts receivable within one year40/41€9k€48k▲

Trade receivables40€9k€28k▲

Other amounts receivable41-€20k

Cash at bank and in hand54/58€4k€6k▲

Deferred charges and accrued income490/1-€763

Equity and liabilities

Total equity and liabilities10/49€19k€107k▲

Equity10/15€-1k€52k▲

Contributions10/11€4k€4k=

Profit (loss) carried forward14€-5k€48k▲

Amounts payable17/49€21k€55k▲

Amounts payable after more than one year17-€10k

Financial debts170/4-€10k

Amounts payable within one year42/48€21k€45k▲

Current portion of amounts payable after more than one year42-€10k

Trade debts44€13k€23k▲

Suppliers440/4€13k€23k▲

Taxes, remuneration and social security45€4k€11k▲

Taxes450/3€1k€9k▲

Remuneration and social security454/9€3k€2k▼

Other amounts payable47/48€4k€0▼

Income statement Code20232024

Non-recurring operating income76A€32k€0▼

Remuneration, social security and pensions62€27k€18k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲

Other operating charges640/8€3k€4k▲

Non-recurring operating charges66A-€11k

Gross operating margin9900€57k€109k▲

Operating profit (loss)9901€25k€69k▲

Financial income75/76B€27€613▲

Recurring financial income75€27€613▲

Financial charges65/66B€853€2k▲

Recurring financial charges65€853€2k▲

Profit (loss) for the period before taxes9903€24k€67k▲

Income taxes67/77-€14k

Profit (loss) for the period9904€24k€53k▲

Profit (loss) for the period to be appropriated9905€24k€53k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-5k€48k▲

Profit (loss) brought forward from the previous period14P€-30k€-5k▲

The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

2024

31-12

Financial Highest result since 2022net €53k ▲118%

Operating result €69k, net result €53k, both a record.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Back to profitnet €24k

Net result €24k after one loss-making year.

24-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 85 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, Floreffe · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Plat-Ry 105150 Floreffe

Ground area

805 m²

Building footprint

127 m²

Volume, LiDAR

924 m³

Parcel 92045C0038/00L000, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

DECONET

Plat-Ry 10, 5150 FloreffeGeneral construction of buildings

since 20222.331.536.243

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92045C0038/00L000	Wallonia	805 m²	1 · 127 m²	9.5 m · 3 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.

Similar companies · same sector, comparable size

Sint-Lievens-Houtem · Eq €51,984

NDEX CONSTRUCT

BE 0784.860.553

Sint-Pieters-Leeuw · Eq €51,984

LS CONSTRUCTION

BE 0448.272.236

Baelen · Eq €52,002

R ET M PARACHEVEMENTS

BE 0805.231.642

Tienen · Eq €51,933

Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,122 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

Founded06-10-2021

Fiscal year end31-12

Activities, NACEBEL 2025

43990Other specialised construction activities

56301Cafés and bars

81210General cleaning of buildings

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

43110Demolition

43310Plastering work

43320Joinery installation

43332Laying of wooden floor and wall coverings

43333Wallpapering and laying of floor and wall coverings in other materials

43341Painting of buildings

43342Specialised construction activities

43343Specialised construction activities

43350Other building finishing work

43410Roofing work

43421Specialised construction activities

43422Screed work

68201Renting and operating of own or leased residential real estate, excluding social housing

74130Interior design

81230Other cleaning activities

82300Organisation of conventions and trade shows

93199Other sports activities

93299Other amusement and recreation activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:o18barnamur@gmail.com

Enterprise

E-mail:olivier.trips@gmail.com

Establishment Floreffe 2.331.536.243