TENCO PROTO
ActiveTENCO PROTO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €359k and a net result of €6k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 77% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▲+3
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 12.9 against 11.14 in 2024), and 19.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
80.3%
Return on assets
1.3%
Age of the figures
9 mo
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
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
15 d early
2023
36 d early
2022
31 d late
2021
33 d early
2020
40 d early
2019
30 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€359k▲ 1.6%
2024 · €353k
2018: €75k
2019: €85k
2020: €100k
2021: €114k
2022: €324k
2023: €350k
2024: €353k
2018 → 2025
Total assets
€447k▲ 6.0%
2024 · €422k
2018: €143k
2019: €157k
2020: €177k
2021: €177k
2022: €393k
2023: €419k
2024: €422k
2018 → 2025
Net result
€6k▲ 45.8%
2024 · €4k
2018: €14k
2019: €10k
2020: €15k
2021: €14k
2022: €209k
2023: €26k
2024: €4k
2018 → 2025
Working capital
€275k▲ 14.2%
2024 · €241k
2018: €-21k
2019: €-18k
2020: €-8k
2021: €-18k
2022: €176k
2023: €204k
2024: €241k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€324k▲ 183%€350k▲ 8.0%€353k▲ 1.1%€359k▲ 1.6%
Operating result€19k-€18k▼ 6.5%€32k▲ 79.4%€98▼ 99.7%€2k▲ 1,486%
Net result€14k-€209k▲ 1,420%€26k▼ 87.6%€4k▼ 85.2%€6k▲ 45.8%
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 recovers in 2025; 2025 is 1,486% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €447k
Fixed assets
€149k▼ 5.3%
Current assets
€298k▲ 12.7%
Equity and liabilities €447k
Equity
€359k▲ 1.6%
Debt
€88k▲ 29.0%
The debt ratio rises from 16.2% to 19.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€12k▲
2024 · €10k
Cash flow
€16k▲
2024 · €14k
Solvency
80.3%▼
2024 · 83.8%
Current ratio
12.90▲
2024 · 11.14
Quick ratio
12.88▲
2024 · 11.13
Debt / equity
0.24▲
2024 · 0.19
ROE
1.6%▲
2024 · 1.1%
ROA
1.3%▲
2024 · 0.9%
Interest coverage
6.75▼
2024 · 7.84
Debt
€88k▲
2024 · €68k
Debt ≤ 1 year
€23k▼
2024 · €24k
Debt > 1 year
€65k▲
2024 · €40k
Income taxes
€4k▼
2024 · €4k
Staff costs
€0▼
2024 · €15k
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€422k€447k▲
Fixed assets21/28€157k€149k▼
Tangible fixed assets22/27€24k€15k▼
Furniture and vehicles24€24k€14k▼
Other tangible fixed assets26-€2k
Financial fixed assets28€133k€133k=
Current assets29/58€264k€298k▲
Amounts receivable after more than one year29€232k€242k▲
Other amounts receivable291€232k€242k▲
Stocks and contracts in progress3€336€336=
Stocks30/36€336€336=
Amounts receivable within one year40/41€29k€44k▲
Trade receivables40€11k€20k▲
Other amounts receivable41€18k€24k▲
Cash at bank and in hand54/58€2k€7k▲
Deferred charges and accrued income490/1€641€5k▲
Equity and liabilities
Total equity and liabilities10/49€422k€447k▲
Equity10/15€353k€359k▲
Contributions10/11€6k€6k=
Reserves13€347k€353k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€347k€353k▲
Amounts payable17/49€68k€88k▲
Amounts payable after more than one year17€40k€65k▲
Financial debts170/4€0-
Other amounts payable178/9€40k€65k▲
Amounts payable within one year42/48€24k€23k▼
Current portion of amounts payable after more than one year42€7k€0▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€2k€14k▲
Suppliers440/4€2k€14k▲
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€5k€0▼
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€15k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€26k€13k▼
Operating profit (loss)9901€98€2k▲
Financial income75/76B€9k€9k▲
Recurring financial income75€9k€9k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€7k€9k▲
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€4k€6k▲
Profit (loss) for the period to be appropriated9905€4k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€6k▲
Transfer to equity691/2€4k€6k▲
To other reserves6921€4k€6k▲
The notes to these accounts (7 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €4k ▼85.2%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 11.14
Current ratio from 5.23 to 11.14; short-term debt falls from €48k to €24k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €209k ▲1420%
Net result €209k, the highest in the series.
31-12
Financial
Liquidity times 8current ratio 5.45
Current ratio from 0.68 to 5.45; short-term debt falls from €56k to €40k.
31-12
Financial
Equity above €200kEq €324k ▲183%
5 profitable years in a row build equity to €324k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €100k ▲18%
3 profitable years in a row build equity to €100k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Bilzen-Hoeselt · 1 establishment unit since 2008
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.
Leeuwerikstraat 2B3740 Bilzen-HoeseltGround area
576 m²
Building footprint
159 m²
Volume, LiDAR
938 m³
Parcel 73006H0379/00D000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TENCO PROTO
since 20082.169.971.756
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006H0379/00D000 | Flanders | 576 m² | 1 · 159 m² | 9.2 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 36,954 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:089/469330