Tilou
ActiveTilou has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.66M and a net result of €-197k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 529 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9=
Solvency91▼-3
Growth30=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 2.06 in 2024; short-term debt: 33.8% and cash: 8.2% of total assets), and 33.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
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
66.1%
Return on assets
-7.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-197k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
34 d early
2023
29 d early
2022
3 d early
2021
5 d early
2020
3 d late
2019
4 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, full schema
Turnover
€1.81M▼ 7.6%
2020 · €1.96M
2018: €1.94M
2019: €1.93M
2020: €1.96M
2018 → 2021
EBIT margin
-3.4%▼ 2.9pp
2020 · -0.5%
2018: 1.4%
2019: -5.4%
2020: -0.5%
2018 → 2021
Net result
€-197k▲ 6.5%
2024 · €-210k
2018: €92k
2019: €-42k
2020: €63k
2021: €5k
2022: €-20k
2023: €73k
2024: €-210k
2018 → 2025
Working capital
€756k▼ 15.5%
2024 · €895k
2018: €991k
2019: €915k
2020: €1.00M
2021: €1.02M
2022: €1.05M
2023: €1.16M
2024: €895k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.81M-
Equity€2.07M-€1.99M▼ 4.2%€2.12M▲ 6.6%€1.89M▼ 10.8%€1.66M▼ 12.2%
Operating result€-61k-€-85k▼ 39.1%€-12k▲ 85.7%€-307k▼ 2,412%€-284k▲ 7.7%
Net result€5k-€-20k€73k€-210k€-197k▲ 6.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €284k in 2025 against €307k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.50M
Fixed assets
€903k▼ 9.2%
Current assets
€1.60M▼ 7.8%
Equity and liabilities €2.50M
Equity
€1.66M▼ 12.2%
Debt
€849k▲ 0.4%
The debt ratio rises from 30.9% to 33.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-141k▲
2024 · €-169k
Cash flow
€-54k▲
2024 · €-72k
Solvency
66.1%▼
2024 · 69.1%
Current ratio
1.89▼
2024 · 2.06
Quick ratio
1.89▼
2024 · 2.06
Debt / equity
0.51▲
2024 · 0.45
ROE
-11.9%▼
2024 · -11.2%
ROA
-7.9%▼
2024 · -7.7%
Interest coverage
-314.81▼
2024 · -136.25
Debt
€849k▲
2024 · €845k
Debt ≤ 1 year
€847k▲
2024 · €843k
Income taxes
€6k▼
2024 · €14k
Staff costs
€2.12M▲
2024 · €2.10M
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€2.73M€2.50M▼
Fixed assets21/28€994k€903k▼
Tangible fixed assets22/27€994k€903k▼
Land and buildings22€811k€743k▼
Plant, machinery and equipment23€183k€159k▼
Furniture and vehicles24€723€478▼
Current assets29/58€1.74M€1.60M▼
Amounts receivable within one year40/41€70k€70k▼
Trade receivables40€37k€36k▼
Other amounts receivable41€33k€34k▲
Current investments50/53€1.55M€1.31M▼
Cash at bank and in hand54/58€84k€204k▲
Deferred charges and accrued income490/1€33k€18k▼
Equity and liabilities
Total equity and liabilities10/49€2.73M€2.50M▼
Equity10/15€1.89M€1.66M▼
Contributions10/11€601k€633k▲
Capital10€601k€633k▲
Profit (loss) carried forward14€932k€735k▼
Investment grants15€354k€288k▼
Amounts payable17/49€845k€849k▲
Amounts payable within one year42/48€843k€847k▲
Financial debts43€25k€25k=
Credit institutions430/8€25k€25k=
Trade debts44€54k€38k▼
Suppliers440/4€54k€38k▼
Taxes, remuneration and social security45€299k€386k▲
Taxes450/3€2k€20k▲
Remuneration and social security454/9€297k€365k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€2.10M€2.12M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€138k€142k▲
Other operating charges640/8€531k€361k▼
Gross operating margin9900€2.46M€2.34M▼
Operating profit (loss)9901€-307k€-284k▲
Financial income75/76B€112k€94k▼
Recurring financial income75€112k€94k▼
Financial charges65/66B€1k€449▼
Recurring financial charges65€1k€449▼
Profit (loss) for the period before taxes9903€-197k€-191k▲
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€-210k€-197k▲
Profit (loss) for the period to be appropriated9905€-210k€-197k▲
Appropriation of the result
Profit (loss) to be appropriated9906€932k€735k▼
Profit (loss) brought forward from the previous period14P€1.14M€932k▼
Social balance
Average headcount (FTE)908739.643.9▲
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
28-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Director appointment18 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Director appointment18 facts ▸
- General meeting, 24/06/2026
- Director reappointment, Accaputo Carina (administrateur)
- Director reappointment, Carlier Alain (administrateur)
- Director reappointment, Decubber Jean-François (administrateur)
- Director reappointment, Deneckère Françoise (administrateur)
- Director reappointment, Dupont Lucienne (administrateur)
- Director reappointment, Glorieux Rudy (administrateur)
- Director reappointment, Jude Isabelle (administrateur)
- Director reappointment, Lelong Sandy (administrateur)
- Director reappointment, Pisano Lucio (administrateur)
- Director reappointment, Pistone Serena (administrateur)
- Director reappointment, Saint Bernadette (administrateur)
- +6 further facts in this act
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-210k ▼388%
Net result drops to €-210k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €73k
Net result €73k after one loss-making year.
31-12
Financial
Equity above €2MEq €2.12M ▲6.6%
Equity rises from €1.99M to €2.12M.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 3 days late
2020
31-12
Financial
Back to profitnet €63k
Net result €63k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 4 days late
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26096839). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Accaputo Carina
CurrentTrésorière · since 28-07-2026
Carlier Alain
CurrentSecrétaire · since 28-07-2026
Glorieux Rudy
CurrentChair · since 28-07-2026
Decubber Jean-François
CurrentDirector
Deneckère Françoise
CurrentDirector
Dupont Lucienne
CurrentDirector
+ 6 not shown in this overview
28-07-2026
Accaputo Carina: Appointed as Trésorière
28-07-2026
Carlier Alain: Appointed as Secrétaire
28-07-2026
Glorieux Rudy: Appointed as Chair
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 1987
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.
Rue Grande 2167020 MonsGround area
7.4 ha
Building footprint
1,914 m²
Volume, LiDAR
8,796 m³
Parcel 53048A0032/21C000, Wallonia · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tilou
since 19872.155.757.494
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53048A0032/21C000 | Wallonia | 7.4 ha | 1 · 1,914 m² | 11.7 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.
Statutory auditor
1 auditor| RSM INTERAUDIT SRLCurrent Commissaire réviseur | 28-07-2026 → present |
Structure & network
Connections & network
2 connected companiesLinked via shared directors
viaAccaputo Carina · Trésorière
→
viaGlorieux Rudy · Chair
→
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.155.757.494
Similar companies · same sector, comparable size
Horizons neufs
BE 0421.385.816
Ottignies-Louvain-la-Neuve · Eq €1.65M
Amicale des Elèves et Anciens Elèves de l'Ecole-Clinique provinciale du Hainaut
BE 0412.702.633
Charleroi · Eq €1.66M
Les Chanterelles
BE 0865.375.404
Beloeil · Eq €1.66M
SALAMANDRA CONCEPT
BE 0502.617.079
Beaumont · Eq €1.63M
LE THINIHEID
BE 0408.255.974
Verviers · Eq €1.69M
Of 323 companies in sector 87202 we hold annual accounts for 274. 222 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded02-12-1987
Fiscal year end31-12
Activities, NACEBEL
85314
87202Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.