TETRO TREASURE
ActiveThe computed 12-month bankruptcy probability of TETRO TREASURE is 3.7% (moderate). The 2024 annual accounts show negative equity (€-55k) and a net result of €-23k. Equity is shrinking by ~49.5% per year across the filed fiscal years. Its solvency ranks better than 8% of 26056 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
7
/ 100
Critical▼ -19 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+93
Solvency34▲+1
Growth32=
Stability100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 0.36 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-123.5%
Return on assets
-51.7%
Age of the figures
20 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year -€55k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
23 d late
2022
1 d early
2021
75 d late
2020
107 d late
2019
48 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-55k▼ 72.1%
2023 · €-32k
2019: €12k
2020: €15k
2021: €-22k
2022: €-32k
2023: €-32k
2019 → 2024
Total assets
€45k▲ 17.5%
2023 · €38k
2019: €48k
2020: €70k
2021: €46k
2022: €41k
2023: €38k
2019 → 2024
Net result
€-23k▼ 5,317%
2023 · €-426
2019: €2k
2020: €3k
2021: €-37k
2022: €-9k
2023: €-426
2019 → 2024
Working capital
€-31k▲ 30.2%
2023 · €-45k
2019: €10k
2020: €13k
2021: €-48k
2022: €-51k
2023: €-45k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€15k-€-22k€-32k▼ 42.0%€-32k▼ 1.3%€-55k▼ 72.1%
Operating result€-7k-€-36k▼ 421%€-8k▲ 76.4%€1k€-20k
Net result€3k-€-37k€-9k▲ 74.7%€-426▲ 95.4%€-23k▼ 5,317%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €20k after €1k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €45k
Fixed assets
€6k▼ 50.9%
Current assets
€38k▲ 52.1%
Key figures and ratios
EBITDA
€-14k▼
2023 · €8k
Cash flow
€-17k▼
2023 · €6k
Solvency
-123.5%▼
2023 · -84.3%
Current ratio
0.55▲
2023 · 0.36
Quick ratio
0.39▲
2023 · 0.36
Debt / equity
-1.81▲
2023 · -2.19
ROE
41.9%▲
2023 · 1.3%
ROA
-51.7%▼
2023 · -1.1%
Interest coverage
-4.74▼
2023 · 5.36
Debt
€100k▲
2023 · €70k
Debt ≤ 1 year
€70k▼
2023 · €70k
Staff costs
€21k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€38k€45k▲
Fixed assets21/28€13k€6k▼
Tangible fixed assets22/27€13k€6k▼
Plant, machinery and equipment23€7k€3k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€25k€38k▲
Stocks and contracts in progress3-€11k
Stocks30/36-€11k
Amounts receivable within one year40/41€91-
Other amounts receivable41€91-
Cash at bank and in hand54/58€25k€25k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€38k€45k▲
Equity10/15€-32k€-55k▼
Contributions10/11€10k€10k=
Reserves13€232€232=
Non-distributable reserves130/1€232€232=
Reserves not available under the articles1311€232€232=
Profit (loss) carried forward14€-42k€-65k▼
Amounts payable17/49€70k€100k▲
Amounts payable within one year42/48€70k€70k▼
Trade debts44€35k€27k▼
Suppliers440/4€35k€27k▼
Taxes, remuneration and social security45€19k€27k▲
Taxes450/3€19k€22k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€16k€15k▼
Accrued charges and deferred income492/3-€30k
Income statement
Code20232024
Remuneration, social security and pensions62-€21k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€10k€10k▲
Operating profit (loss)9901€1k€-20k▼
Financial income75/76B€1€381▲
Recurring financial income75€1€381▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-426€-23k▼
Profit (loss) for the period9904€-426€-23k▼
Profit (loss) for the period to be appropriated9905€-426€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-65k▼
Profit (loss) brought forward from the previous period14P€-42k€-42k▼
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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
31-12
Financial
Weakest financial yearnet €-37k ▼1299%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
2020
31-12
Financial
Highest result since 2019net €3k ▲96.7%
Net result €3k, the highest in the series.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2019
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.
Vestingstraat 72018 AntwerpenGround area
67 m²
Building footprint
67 m²
Volume, LiDAR
918 m³
Parcel 11808H1239/00N002, Flanders · tallest building 17.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
TETRO TREASURE
since 20192.290.762.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1239/00N002 | Flanders | 67 m² | 1 · 67 m² | 17.7 m · 6 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
Zahed Jewellery
BE 1009.783.361
Antwerpen · Eq €15k
GILDIS
BE 0446.334.513
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't JUWEELATELJEE
BE 0809.110.751
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GMJ Trading
BE 0770.695.187
Gent · Eq €14k
EVRART ET FILS
BE 0434.284.341
Ath · Eq €15k
Of 2,005 companies in sector 47770 we hold annual accounts for 892. 422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2019
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.