TLCM
ActiveTLCM has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €26k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency78▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.12 against 2.92 in 2024; short-term debt: 46.8% and cash: 82.8% of total assets), and 46.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
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
53.2%
Return on assets
24.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
18 d late
2023
20 d late
2022
29 d late
2021
6 d early
2020
12 d late
2019
27 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26k▲ 33.7%
2024 · €19k
2018: €5k
2019: €7k
2020: €4k
2021: €11k
2022: €17k
2023: €20k
2024: €19k
2018 → 2025
Working capital
€55k▲ 0.5%
2024 · €55k
2018: €29k
2019: €31k
2020: €31k
2021: €35k
2022: €40k
2023: €47k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€40k▲ 12.9%€47k▲ 19.3%€55k▲ 15.7%€56k▲ 2.4%
Operating result€14k-€20k▲ 45.3%€24k▲ 20.7%€25k▲ 2.6%€32k▲ 28.9%
Net result€11k-€17k▲ 48.9%€20k▲ 18.7%€19k▼ 1.0%€26k▲ 33.7%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€1k
Current assets
€104k
Equity and liabilities €105k
Equity
€56k▲ 2.4%
Debt
€49k▲ 72.5%
The debt ratio rises from 34.3% to 46.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k
Cash flow
€26k
Solvency
53.2%▼
2024 · 65.7%
Current ratio
2.12▼
2024 · 2.92
Quick ratio
2.12▼
2024 · 2.92
Debt / equity
0.88▲
2024 · 0.52
ROE
46.5%▲
2024 · 35.6%
ROA
24.7%▲
2024 · 23.4%
Interest coverage
167.64
Debt
€49k▲
2024 · €28k
Debt ≤ 1 year
€49k▲
2024 · €28k
Income taxes
€6k▲
2024 · €5k
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€83k€105k▲
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€83k€104k▲
Amounts receivable within one year40/41€3k€17k▲
Trade receivables40€2k€17k▲
Other amounts receivable41€241€270▲
Cash at bank and in hand54/58€79k€87k▲
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€83k€105k▲
Equity10/15€55k€56k▲
Contributions10/11€6k€6k=
Reserves13€37k€39k▲
Tax-exempt reserves132€3k€3k=
Distributable reserves133€34k€36k▲
Profit (loss) carried forward14€11k€11k=
Amounts payable17/49€28k€49k▲
Amounts payable within one year42/48€28k€49k▲
Trade debts44€5k€16k▲
Suppliers440/4€5k€16k▲
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€7k€4k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€12k€24k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€164
Other operating charges640/8€435€595▲
Gross operating margin9900€25k€33k▲
Operating profit (loss)9901€25k€32k▲
Financial charges65/66B€316€191▼
Recurring financial charges65€316€191▼
Profit (loss) for the period before taxes9903€24k€32k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€19k€26k▲
Profit (loss) for the period to be appropriated9905€19k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€37k▲
Profit (loss) brought forward from the previous period14P€11k€11k=
Transfer from equity791/2-€10k
Transfer to equity691/2€7k€11k▲
To other reserves6921€7k€11k▲
Profit to be distributed694/7€12k€25k▲
Return on contributions (dividend)694-€10k
Directors or managers695€12k€15k▲
The notes to these accounts (5 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Highest result since 2018net €26k ▲33.7%
Operating result €32k, net result €26k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Weakest financial yearnet €4k ▼35.5%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 310 days late
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, Tournai · 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.
Rue de l'Union(K) 37 A7540 TournaiGround area
91 m²
Building footprint
47 m²
Volume, LiDAR
375 m³
Parcel 57042C0455/00A013, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Union(K) 37, 7540 Tournai
since 20082.170.065.786
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042C0455/00A013 | Wallonia | 91 m² | 1 · 47 m² | 10.2 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.
Similar companies · same sector, comparable size
SOPA CONSULT
BE 0898.649.471
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SETH
BE 0684.833.163
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REDECOR
BE 0862.157.873
Merelbeke-Melle · Eq €56k
JMD PROJECT
BE 0683.631.056
Mont-Saint-Guibert · Eq €56k
FinAce Consulting
BE 0794.587.475
Oud-Heverlee · Eq €56k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 38,627 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:069/22.15.44