Tess Mathis · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Tess Mathis is 0.4% (very low). The 2024 annual accounts show equity of €11k and a net result of €8k. Its solvency ranks better than 63% of 804 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2024	31-07-2025	29-09-2025	60 d late	2025-00510175

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2024, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€8k

Working capital€11k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 85 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	57.6%	40.7%	better than 63% of 804 sector peers
Net result	€8k	€7k	better than 52% of 802 sector peers
Equity	€11k	€19k	better than 39% of 804 sector peers
Gross operating margin	€12k	€19k	better than 38% of 803 sector peers
Total assets	€19k	€55k	better than 18% of 804 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€8k
Cash flow	-
Staff costs	-
Income taxes	€2k
Dividends	-
Total assets	€19k
Equity	€11k
Debt	€8k
of which ≤ 1y	€8k
of which > 1y	-
Working capital	€11k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.36
Quick ratio	2.36
Working capital ratio	57.6%
Solvency	57.6%
Debt / equity	0.74
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	41.6%
ROE	72.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Equity & liabilities

Equity €11k · 57.6% Debt €8k · 42.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€19k
Current assets	29/58	€19k
Cash & bank	54/58	€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€19k
Equity	10/15	€11k
Contributions / capital	10/11	€3k
Reserves	13	€8k
Amounts payable	17/49	€8k
Amounts payable within one year	42/48	€8k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€12k
Operating result	9901	€11k
Financial income	75	€0
Financial charges	65	€1k
Result before taxes	9903	€10k
Income taxes	67/77	€2k
Net result for the period	9904	€8k
Result to be appropriated	9905	€8k

Ratios computed by Checked.

Health barometer

FY 2024 · computed

85 / 100 Excellent

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Houthakkersdreef 4B2900 Schoten

Establishment units

1 location

Tess Mathis

Houthakkersdreef 4B, 2900 SchotenVerpleegkundige activiteiten

since 20242.361.207.949

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area978 m²

Buildings1

Building footprint95 m²

Volume (LiDAR)1,289 m³

Tallest building21.9 m · ±5 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11040A0001/00A113	Flanders	978 m²	1 · 95 m²	21.9 m · 5 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.