TILIA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €27k and a net result of €120k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 14% of 8006 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 8006 sector peers (2025).
NBB · sector comparisonPosition among 8006 sector peers
Solvency
better than 14%
← 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 27-08-2026, 27 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
27 d late
2024
22 d late
2023
33 d early
2022
37 d late
2021
31 d late
2020
43 d early
2019
59 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 42.8%
2024 · €46k
2018: €56k
2019: €21k
2020: €21k
2021: €23k
2022: €45k
2023: €46k
2024: €46k
2018 → 2025
Net result
€120k▼ 2.0%
2024 · €123k
2018: €6k
2019: €2k
2020: €71k
2021: €97k
2022: €118k
2023: €102k
2024: €123k
2018 → 2025
Total assets
€368k▼ 6.8%
2024 · €395k
2018: €169k
2019: €179k
2020: €213k
2021: €430k
2022: €399k
2023: €386k
2024: €395k
2018 → 2025
Solvency
7.2%▼ 4.5pp
2024 · 11.7%
2018: 33.3%
2019: 11.5%
2020: 9.6%
2021: 5.3%
2022: 11.4%
2023: 11.9%
2024: 11.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€45k▲ 99.0%€46k▲ 0.5%€46k▲ 1.3%€27k▼ 42.8%
Operating result€130k-€150k▲ 15.3%€131k▼ 13.1%€158k▲ 21.3%€155k▼ 2.4%
Net result€97k-€118k▲ 20.9%€102k▼ 13.1%€123k▲ 19.9%€120k▼ 2.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€194k▼ 4.6%
Current assets
€174k▼ 9.1%
Equity and liabilities €368k
Equity
€27k▼ 42.8%
Debt
€341k▼ 2.0%
The debt ratio rises from 88.3% to 92.8%. Equity and debt are lower.
Key figures and ratios
Solvency
7.2%▼
2024 · 11.7%
ROE
453.3%▲
2024 · 264.7%
ROA
32.7%▲
2024 · 31.1%
Debt
€341k▼
2024 · €348k
Debt ≤ 1 year
€201k▲
2024 · €184k
Debt > 1 year
€140k▼
2024 · €164k
Income taxes
€38k▲
2024 · €37k
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€395k€368k▼
Fixed assets21/28€203k€194k▼
Tangible fixed assets22/27€203k€194k▼
Land and buildings22€184k€175k▼
Plant, machinery and equipment23€222€70▼
Furniture and vehicles24€19k€18k▼
Current assets29/58€192k€174k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€158k€148k▼
Trade receivables40€29k€19k▼
Other amounts receivable41€130k€129k▼
Cash at bank and in hand54/58€26k€19k▼
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€395k€368k▼
Equity10/15€46k€27k▼
Contributions10/11€19k€19k=
Reserves13€28k€8k▼
Distributable reserves133€28k€8k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€348k€341k▼
Amounts payable after more than one year17€164k€140k▼
Financial debts170/4€164k€140k▼
Amounts payable within one year42/48€184k€201k▲
Current portion of amounts payable after more than one year42€23k€23k▲
Financial debts43€12k€12k=
Credit institutions430/8€12k€12k=
Trade debts44€13k€6k▼
Suppliers440/4€13k€6k▼
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€9k€14k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€122k€140k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€363€0▼
Gross operating margin9900€182k€180k▼
Operating profit (loss)9901€158k€155k▼
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€160k€158k▼
Income taxes67/77€37k€38k▲
Profit (loss) for the period9904€123k€120k▼
Profit (loss) for the period to be appropriated9905€123k€120k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€120k▼
Transfer from equity791/2-€20k
Transfer to equity691/2€589€0▼
To other reserves6921€589€0▼
Profit to be distributed694/7€122k€140k▲
Return on contributions (dividend)694€122k€140k▲
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Highest result since 2018net €123k ▲19.9%
Operating result €158k, net result €123k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼70.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
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, Lennik · 1 establishment unit since 2015
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.
Frans Devoghellaan 441750 LennikGround area
1,868 m²
Building footprint
227 m²
Volume, LiDAR
1,796 m³
Parcel 23072E0061/00L007, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TILIA
since 20152.244.751.729
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072E0061/00L007 | Flanders | 1,868 m² | 1 · 227 m² | 12.7 m · 3 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 8,396 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
55204Guest rooms (bed and breakfast)
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.