Summary
T4M is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €62k and a net result of €59k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 5527 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
21 d early
2024
1 d early
2023
27 d early
2022
38 d early
2021
73 d early
2020
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€62k▼ 64.0%
2024 · €172k
2020: €1k
2021: €102k
2022: €176k
2023: €236k
2024: €172k
2020 → 2025
Net result
€59k▼ 23.2%
2024 · €77k
2020: €-2k
2021: €102k
2022: €75k
2023: €95k
2024: €77k
2020 → 2025
Total assets
€131k▼ 36.7%
2024 · €207k
2020: €3k
2021: €163k
2022: €248k
2023: €331k
2024: €207k
2020 → 2025
Solvency
47.1%▼ 35.7pp
2024 · 82.8%
2020: 37.5%
2021: 62.3%
2022: 71.1%
2023: 71.5%
2024: 82.8%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€176k▲ 73.8%€236k▲ 34.0%€172k▼ 27.3%€62k▼ 64.0%
Operating result€132k-€100k▼ 24.3%€126k▲ 26.4%€103k▼ 18.3%€56k▼ 45.2%
Net result€102k-€75k▼ 26.4%€95k▲ 27.1%€77k▼ 19.6%€59k▼ 23.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 45% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€14k ▼ 45.8%
Current assets
€117k ▼ 35.4%
Equity and liabilities €131k
Equity
€62k ▼ 64.0%
Debt
€69k ▲ 94.8%
Debt's share of the balance-sheet total rises from 17.2% to 52.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
95.1%▲
2024 · 44.6%
ROA
44.8%▲
2024 · 36.9%
Debt ≤ 1 year
€69k▲
2024 · €34k
Income taxes
€15k▼
2024 · €26k
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 · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€207k€131k▼
Fixed assets21/28€26k€14k▼
Tangible fixed assets22/27€26k€14k▼
Furniture and vehicles24€24k€12k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€181k€117k▼
Amounts receivable within one year40/41€61k€9k▼
Trade receivables40€54k€108▼
Other amounts receivable41€6k€9k▲
Current investments50/53€86k€30k▼
Cash at bank and in hand54/58€21k€67k▲
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€207k€131k▼
Equity10/15€172k€62k▼
Contributions10/11€3k€3k=
Reserves13€169k€59k▼
Distributable reserves133€169k€59k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€36k€69k▲
Amounts payable within one year42/48€34k€69k▲
Trade debts44€685€2k▲
Suppliers440/4€685€2k▲
Taxes, remuneration and social security45€28k€3k▼
Taxes450/3€28k€3k▼
Other amounts payable47/48€5k€65k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€123k€76k▼
Operating profit (loss)9901€103k€56k▼
Financial income75/76B€1k€19k▲
Recurring financial income75€1k€19k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€102k€74k▼
Income taxes67/77€26k€15k▼
Profit (loss) for the period9904€77k€59k▼
Profit (loss) for the period to be appropriated9905€77k€59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€59k▼
Transfer from equity791/2€141k€169k▲
Transfer to equity691/2€77k€59k▼
To other reserves6921€77k€59k▼
Profit to be distributed694/7€141k€169k▲
Return on contributions (dividend)694€141k€169k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €236k ▲34%
3 profitable years in a row build equity to €236k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €176k ▲73.8%
2 profitable years in a row build equity to €176k.
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €102k
Net result €102k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.61
Current ratio from 1.13 to 2.61.
31-12
Financial
Equity above €100kEq €102k ▲8285%
Equity rises from €1k to €102k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Boortmeerbeek · 1 establishment unit since 2020
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.
Bieststraat 2683191 BoortmeerbeekGround area
2,119 m²
Building footprint
161 m²
Volume, LiDAR
1,052 m³
Parcel 24039B0351/00N002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T4M
since 20202.311.257.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24039B0351/00N002 | Flanders | 2,119 m² | 1 · 161 m² | 10.0 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,054 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
Founded17-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.