TECTUM
ActiveSummary
TECTUM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency46▲+46
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 10 filingsDeviation from the deadline
2025
52 d late
2024
52 d late
2023
60 d late
2022
45 d late
2021
113 d late
2020
121 d late
2019
94 d late
← 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, micro schema
Equity
€1k
2024 · €-2k
2018: €6k
2019: €1k
2020: €2k
2021: €2k
2022: €4k
2023: €-4k
2024: €-2k
2018 → 2025
Total assets
€6k▼ 1.0%
2024 · €6k
2018: €24k
2019: €22k
2020: €24k
2021: €18k
2022: €21k
2023: €15k
2024: €6k
2018 → 2025
Net result
€3k▲ 71.5%
2024 · €2k
2018: €2k
2019: €-5k
2020: €295
2021: €276
2022: €2k
2023: €-7k
2024: €2k
2018 → 2025
Working capital
€-325▲ 92.7%
2024 · €-4k
2018: €6k
2019: €-463
2020: €690
2021: €2k
2022: €4k
2023: €-4k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€4k▲ 97.4%€-4k€-2k▲ 48.2%€1k
Operating result€378-€3k▲ 743%€-7k€2k€3k▲ 79.5%
Net result€276-€2k▲ 544%€-7k€2k€3k▲ 71.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 80% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6k
Fixed assets
€1k ▼ 40.0%
Current assets
€4k ▲ 29.6%
Equity and liabilities €6k
Equity
€1k
Debt
€4k
Debt finances 79.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€4k▲
2024 · €2k
Cash flow
€4k▲
2024 · €2k
Current ratio
0.93▲
2024 · 0.42
Quick ratio
0.73▲
2024 · 0.18
Debt to equity
3.78▲
2024 · -3.89
ROE
267.0%
ROA
55.8%▲
2024 · 32.2%
Interest coverage
22.60▲
2024 · 13.40
Debt ≤ 1 year
€4k▼
2024 · €8k
Income taxes
€60▲
2024 · €59
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6k€6k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€3k€4k▲
Stocks and contracts in progress3€2k€865▼
Stocks30/36€2k€865▼
Amounts receivable within one year40/41€1k€642▼
Other amounts receivable41€1k€642▼
Cash at bank and in hand54/58€3€3k▲
Equity and liabilities
Total equity and liabilities10/49€6k€6k▼
Equity10/15€-2k€1k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-22k€-19k▲
Amounts payable17/49€8k€4k▼
Amounts payable within one year42/48€8k€4k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€59€60▲
Taxes450/3€59€60▲
Other amounts payable47/48€5k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€500€1k▲
Other operating charges640/8€577€673▲
Gross operating margin9900€3k€5k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€217€71▼
Recurring financial income75€217€71▼
Financial charges65/66B€175€191▲
Recurring financial charges65€175€191▲
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€59€60▲
Profit (loss) for the period9904€2k€3k▲
Profit (loss) for the period to be appropriated9905€2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-19k▲
Profit (loss) brought forward from the previous period14P€-24k€-22k▲
The notes to these accounts (4 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2025
31-12
Financial
Highest result since 2018net €3k ▲71.5%
Operating result €3k, net result €3k, both a record.
21-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 52 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
31-12
Financial
Weakest financial yearnet €-7k ▼516%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 113 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
31-12
Financial
Back to profitnet €295
Net result €295 after one loss-making year.
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nijlen · 1 establishment unit since 2004
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.
Heirbeemdenweg 52560 NijlenGround area
2,129 m²
Building footprint
94 m²
Volume, LiDAR
450 m³
Parcel 12026A0237/00X000, Flanders · tallest building 13.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TECTUM
since 20042.143.100.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026A0237/00X000 | Flanders | 2,129 m² | 1 · 93 m² | 13.2 m · 1 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
LOTTIN & CO
BE 1001.581.121
Drogenbos · Eq €1,171
Van Thielen Dakwerken
BE 1011.156.803
Nijlen · Eq €1,120
DAKWERKEN BART HEYLEN
BE 0808.704.440
Westerlo · Eq €1,105
GDL CONSTRUCT +
BE 1003.300.791
Beerse · Eq €1,278
DAKWERKEN KUYPERS DANNY
BE 0793.305.590
Kinrooi · Eq €1,289
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 396 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 (pre-2019)
Founded02-08-2004
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.