T&Z

Active

Private limited companyfounded 20242 yrs activeRechtestraat 2, 2290 Vorselaar, BelgiumKBO/BCE: BE 1010.706.445

The computed 12-month bankruptcy probability of T&Z is 3.6% (moderate). The 2025 annual accounts show equity of €136k and a net result of €97k. Its solvency ranks better than 51% of 13240 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

66 / 100

Healthy

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

Axes · tick = 2024

Profitability97▲+18

Solvency57▲+18

Growth78

Track record82

Bankruptcy probability, 12 months

3.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days only on tighter terms

Liquidity tight (current ratio 1.19 against 0.52 in 2024; short-term debt: 41.1% and cash: 44.3% of total assets), and 68% 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

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

−lowers risk+raises risk○neutral

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

32%

Return on assets

22.8%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

9 d early

2024

18 d late

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

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 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€136k▲ 248%

2024 · €39k

2024: €39k

2024 → 2025

Total assets

€425k▲ 47.9%

2024 · €287k

2024: €287k

2024 → 2025

Net result

€97k▲ 303%

2024 · €24k

2024: €24k

2024 → 2025

Working capital

€33k

2024 · €-54k

2024: €-54k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€39k-€136k▲ 248%

Operating result€36k-€146k▲ 303%

Net result€24k-€97k▲ 303%

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

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 303% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €425k

51.1%

48.9%

Fixed assets €217k▼ 5.2%

Current assets €208k▲ 256%

Equity and liabilities €425k

32.0%

68.0%

Equity €136k▲ 248%

Debt €289k▲ 16.4%

The debt ratio falls from 86.4% to 68.0%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€171k▲

2024 · €46k

Cash flow

€122k▲

2024 · €34k

Solvency

32.0%▲

2024 · 13.6%

Current ratio

1.19▲

2024 · 0.52

Quick ratio

1.19▲

2024 · 0.51

Debt / equity

2.12▼

2024 · 6.35

ROE

71.3%▲

2024 · 61.6%

ROA

22.8%▲

2024 · 8.4%

Interest coverage

17.08▲

2024 · 11.95

Debt

€289k▲

2024 · €248k

Debt ≤ 1 year

€174k▲

2024 · €112k

Debt > 1 year

€114k▼

2024 · €136k

Income taxes

€39k▲

2024 · €8k

Staff costs

€26k▲

2024 · €13k

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€287k€425k▲

Fixed assets21/28€229k€217k▼

Intangible fixed assets21€220k€197k▼

Tangible fixed assets22/27€4k€15k▲

Plant, machinery and equipment23€4k€13k▲

Furniture and vehicles24-€2k

Financial fixed assets28€4k€4k=

Current assets29/58€58k€208k▲

Amounts receivable after more than one year29-€10k

Other amounts receivable291-€10k

Stocks and contracts in progress3€1k€1k▲

Stocks30/36€1k€1k▲

Amounts receivable within one year40/41€1k€4k▲

Trade receivables40-€3k

Other amounts receivable41€1k€958▼

Cash at bank and in hand54/58€52k€188k▲

Deferred charges and accrued income490/1€4k€5k▲

Equity and liabilities

Total equity and liabilities10/49€287k€425k▲

Equity10/15€39k€136k▲

Contributions10/11€15k€15k=

Reserves13€24k€121k▲

Distributable reserves133€24k€121k▲

Amounts payable17/49€248k€289k▲

Amounts payable after more than one year17€136k€114k▼

Financial debts170/4€136k€114k▼

Amounts payable within one year42/48€112k€174k▲

Current portion of amounts payable after more than one year42€20k€21k▲

Trade debts44€84k€74k▼

Suppliers440/4€84k€74k▼

Taxes, remuneration and social security45€8k€80k▲

Taxes450/3€8k€60k▲

Remuneration and social security454/9-€19k

Income statement Code20242025

Remuneration, social security and pensions62€13k€26k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€25k▲

Other operating charges640/8€1k€2k▲

Gross operating margin9900€60k€199k▲

Operating profit (loss)9901€36k€146k▲

Financial income75/76B€2€0▼

Recurring financial income75€2€0▼

Financial charges65/66B€4k€10k▲

Recurring financial charges65€4k€10k▲

Profit (loss) for the period before taxes9903€32k€136k▲

Income taxes67/77€8k€39k▲

Profit (loss) for the period9904€24k€97k▲

Profit (loss) for the period to be appropriated9905€24k€97k▲

Appropriation of the result

Profit (loss) to be appropriated9906€24k€97k▲

Transfer to equity691/2€24k€97k▲

To other reserves6921€24k€97k▲

The notes to these accounts (10 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 4Financial 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

22-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Liquidity doublescurrent ratio 1.19

Current ratio from 0.52 to 1.19.

31-12

Financial Equity above €100kEq €136k ▲248%

2 profitable years in a row build equity to €136k.

18-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 18 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, Vorselaar · 1 establishment unit since 2024

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.

Rechtestraat 22290 Vorselaar

Ground area

954 m²

Building footprint

125 m²

Volume, LiDAR

598 m³

Parcel 13044E0154/00D000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

MOLENEINDE

Rechtestraat 2, 2290 VorselaarFood and beverage service activities

since 20242.361.180.334

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13044E0154/00D000	Flanders	954 m²	1 · 125 m²	7.5 m · 2 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 site

Vorselaar2.361.180.334

1 permission

Toelating · Frituur · since 12-07-2024

Similar companies · same sector, comparable size

Nieuwerkerken (Limb.) · Eq €136k

Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,403 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-06-2024

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.