Techma
ActiveSummary
The annual accounts of Techma for fiscal year 2025 show a net loss of 64% of total assets and of 53% of the equity at the start of that year. The 2025 annual accounts show equity of €58k and a net result of €-67k. Equity is shrinking by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 9194 sector peers (fiscal year 2025). The company has been active since 1964 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-31
Solvency81▲+32
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.13 against 1.32 in 2024; short-term debt: 42.3% and cash: 52.6% of total assets), and 44.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.8%
Return on assets
-64.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-67k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
21 d early
2023
5 d early
2022
39 d early
2021
40 d early
2020
3 d late
2019
50 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
€58k▼ 53.5%
2024 · €125k
2018: €291k
2019: €119k
2020: €118k
2021: €89k
2022: €49k
2023: €138k
2024: €125k
2018 → 2025
Total assets
€104k▼ 80.0%
2024 · €521k
2018: €294k
2019: €119k
2020: €118k
2021: €472k
2022: €1.23M
2023: €469k
2024: €521k
2018 → 2025
Net result
€-67k▼ 425%
2024 · €-13k
2018: €6k
2019: €-6k
2020: €-2k
2021: €-29k
2022: €-40k
2023: €89k
2024: €-13k
2018 → 2025
Working capital
€50k▼ 59.8%
2024 · €124k
2018: €291k
2020: €108k
2021: €80k
2022: €39k
2023: €128k
2024: €124k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€49k▼ 44.8%€138k▲ 182%€125k▼ 9.2%€58k▼ 53.5%
Operating result€-14k-€-20k▼ 47.8%€109k€-3k€-64k▼ 2,184%
Net result€-29k-€-40k▼ 36.4%€89k€-13k€-67k▼ 425%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €64k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€10k =
Current assets
€94k ▼ 81.6%
Equity and liabilities €104k
Equity
€58k ▼ 53.5%
Debt
€46k ▼ 88.4%
Debt's share of the balance-sheet total falls from 76.0% to 44.2%. Equity and debt are lower.
Key figures and ratios
Current ratio
2.13▲
2024 · 1.32
Quick ratio
1.60▲
2024 · 1.26
Debt to equity
0.79▼
2024 · 3.17
ROE
-114.9%▼
2024 · -10.2%
ROA
-64.1%▼
2024 · -2.4%
Debt ≤ 1 year
€44k▼
2024 · €386k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€521k€104k▼
Fixed assets21/28€10k€10k=
Financial fixed assets28€10k€10k=
Current assets29/58€511k€94k▼
Stocks and contracts in progress3€24k€24k=
Stocks30/36€24k€24k=
Amounts receivable within one year40/41€15k€16k▲
Trade receivables40€0€128▲
Other amounts receivable41€15k€16k▲
Cash at bank and in hand54/58€472k€55k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€521k€104k▼
Equity10/15€125k€58k▼
Contributions10/11€99k€99k=
Reserves13€38k€38k=
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Tax-exempt reserves132€17k€17k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-13k€-80k▼
Amounts payable17/49€396k€46k▼
Amounts payable within one year42/48€386k€44k▼
Current portion of amounts payable after more than one year42€233k€0▼
Trade debts44€74k€23k▼
Suppliers440/4€74k€23k▼
Taxes, remuneration and social security45€79k€0▼
Taxes450/3€79k€0▼
Other amounts payable47/48€0€21k▲
Accrued charges and deferred income492/3€10k€2k▼
Income statement
Code20242025
Other operating charges640/8€1k€4k▲
Gross operating margin9900€-2k€-61k▼
Operating profit (loss)9901€-3k€-64k▼
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€10k€2k▼
Recurring financial charges65€10k€2k▼
Profit (loss) for the period before taxes9903€-13k€-67k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-13k€-67k▼
Profit (loss) for the period to be appropriated9905€-13k€-67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-80k▼
Profit (loss) brought forward from the previous period14P€0€-13k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (8 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Weakest financial yearnet €-67k
Net result drops to €-67k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €89k
Net result €89k after 4 loss-making years.
31-12
Financial
Equity above €100kEq €138k ▲182%
Equity rises from €49k to €138k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 37 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Beernem · 1 establishment unit since 1980
Ground area
1,025 m²
Building footprint
391 m²
Volume, LiDAR
3,567 m³
Parcel 31003G0340/00B000, Flanders · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
13
companies at this address
See who is registered here
1 establishment unit
TECHMA
since 19802.018.097.371
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003G0340/00B000 | Flanders | 1,025 m² | 1 · 391 m² | 14.3 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.
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,382. 5,121 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
Founded02-10-1964
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.