TECTUM+
ActiveSummary
TECTUM+ has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.20M and a net result of €21k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 77% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 3.68 in 2024; short-term debt: 7.3% and cash: 2.9% of total assets), and 19% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81%
Return on assets
1.4%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
3 d early
2023
29 d late
2022
30 d late
2021
25 d late
2020
30 d late
2019
7 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
€1.20M▲ 1.7%
2024 · €1.18M
2018: €1.12M
2019: €1.13M
2020: €1.13M
2021: €1.14M
2022: €1.14M
2023: €1.16M
2024: €1.18M
2018 → 2025
Total assets
€1.48M▲ 17.1%
2024 · €1.27M
2018: €1.25M
2019: €1.29M
2020: €1.21M
2021: €1.18M
2022: €1.34M
2023: €1.21M
2024: €1.27M
2018 → 2025
Net result
€21k▲ 19.9%
2024 · €17k
2018: €9k
2019: €6k
2020: €709
2021: €10k
2022: €4k
2023: €20k
2024: €17k
2018 → 2025
Working capital
€220k▼ 3.6%
2024 · €228k
2018: €143k
2019: €91k
2020: €116k
2021: €145k
2022: €-76k
2023: €210k
2024: €228k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.14M-€1.14M▲ 0.4%€1.16M▲ 1.7%€1.18M▲ 1.5%€1.20M▲ 1.7%
Operating result€20k-€11k▼ 42.8%€36k▲ 217%€53k▲ 48.3%€37k▼ 29.3%
Net result€10k-€4k▼ 56.2%€20k▲ 363%€17k▼ 14.2%€21k▲ 19.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.16M ▲ 21.3%
Current assets
€327k ▲ 4.6%
Equity and liabilities €1.48M
Equity
€1.20M ▲ 1.7%
Debt
€281k ▲ 231%
Debt's share of the balance-sheet total rises from 6.7% to 19.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€85k▼
2024 · €90k
Cash flow
€68k▲
2024 · €55k
Current ratio
3.04▼
2024 · 3.68
Debt to equity
0.23▲
2024 · 0.07
ROE
1.7%▲
2024 · 1.5%
ROA
1.4%▲
2024 · 1.4%
Interest coverage
20.53▼
2024 · 80.72
Debt ≤ 1 year
€108k▲
2024 · €85k
Debt > 1 year
€174k
Income taxes
€13k▼
2024 · €34k
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€1.27M€1.48M▲
Fixed assets21/28€953k€1.16M▲
Tangible fixed assets22/27€878k€1.08M▲
Land and buildings22€496k€477k▼
Furniture and vehicles24€68k€305k▲
Other tangible fixed assets26€314k€298k▼
Financial fixed assets28€75k€75k=
Current assets29/58€313k€327k▲
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Amounts receivable within one year40/41€210k€215k▲
Trade receivables40€64k€73k▲
Other amounts receivable41€146k€142k▼
Cash at bank and in hand54/58€71k€43k▼
Deferred charges and accrued income490/1€7k€44k▲
Equity and liabilities
Total equity and liabilities10/49€1.27M€1.48M▲
Equity10/15€1.18M€1.20M▲
Contributions10/11€145k€145k=
Reserves13€789k€789k=
Distributable reserves133€789k€789k=
Profit (loss) carried forward14€246k€267k▲
Amounts payable17/49€85k€281k▲
Amounts payable after more than one year17-€174k
Financial debts170/4-€174k
Amounts payable within one year42/48€85k€108k▲
Current portion of amounts payable after more than one year42-€42k
Trade debts44€20k€32k▲
Suppliers440/4€20k€32k▲
Taxes, remuneration and social security45€55k€30k▼
Taxes450/3€55k€30k▼
Other amounts payable47/48€10k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€41k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€48k▲
Other operating charges640/8€12k€6k▼
Gross operating margin9900€102k€91k▼
Operating profit (loss)9901€53k€37k▼
Financial income75/76B€1€36▲
Recurring financial income75€1€36▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€52k€33k▼
Income taxes67/77€34k€13k▼
Profit (loss) for the period9904€17k€21k▲
Profit (loss) for the period to be appropriated9905€17k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€246k€267k▲
Profit (loss) brought forward from the previous period14P€229k€246k▲
The notes to these accounts (13 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
16-07
State Gazette act
General meeting · Merger
Dissolution · Accounting effect · Cynthia VAN AENRODE
16-07
State Gazette act
General meeting · Merger
Dissolution · Accounting effect · Cynthia VAN AENRODE
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €21k ▲19.9%
Net result €21k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
12-06
State Gazette act
General meeting · Name change
Purpose change · Director resignation · Cynthia Van Aenrode
2023
31-12
Financial
Liquidity times 8current ratio 5.08
Current ratio from 0.61 to 5.08; short-term debt falls from €198k to €52k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €709 ▼88%
Net result drops to €709, the lowest in the series; recovery starts the following year.
Show earlier events
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
22-05
State Gazette act
General meeting · Auditor appointment
Permanent representative · Director resignation
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
17-04
State Gazette act
General meeting · Auditor appointment
Permanent representative · Director resignation
01-04
State Gazette act
General meeting · Auditor appointment
Permanent representative · Director resignation
29-03
State Gazette act
General meeting · Auditor appointment
Permanent representative · Director resignation
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-11
State Gazette act
General meeting · Registered-office move
Director reappointment · Permanent representative
13-11
State Gazette act
General meeting · Registered-office move
Director reappointment · Permanent representative
13-11
State Gazette act
General meeting · Registered-office move
Director resignation · Director discharge
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2012
08-11
State Gazette act
General meeting · Director appointment
Permanent representative
08-11
State Gazette act
General meeting · Director appointment
Permanent representative
08-11
State Gazette act
General meeting · Director appointment
Permanent representative
08-11
State Gazette act
General meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Tongeren-Borgloon · 1 establishment unit since 1996
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.
Tomstraat 1013700 Tongeren-BorgloonGround area
5.5 ha
Building footprint
1,651 m²
Volume, LiDAR
10,579 m³
Parcel 73063A0164/00F000, Flanders · tallest building 19.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tomstraat 101, 3700 Tongeren-Borgloon
since 19962.077.379.912
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73063A0164/00F000 | Flanders | 5.5 ha | 1 · 1,651 m² | 19.2 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.
Structure & network
Connections & network
5 connected companiesLinked via shared directors
Shared director
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Shared director
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Shared director
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Shared director
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Show 1 more companies with a shared director
Shared director
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Ownership & control
4 board mandatesBoard mandates of this companythis company sits on their board4
12 locations
3 locations
1 location
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 1,841 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
Founded27-06-1996
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.