TOR TECH TRAINING
ActiveTOR TECH TRAINING has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €14k. Equity is shrinking by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 58% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+8
Solvency90▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.51 against 2.76 in 2024; short-term debt: 35.4% and cash: 7.4% of total assets), and 35.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
64.6%
Return on assets
20.8%
Age of the figures
9 mo
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
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
57 d late
2023
79 d late
2022
31 d late
2021
31 d late
2020
8 d early
2019
41 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▼ 29.7%
2024 · €63k
2018: €83k
2019: €99k
2020: €93k
2021: €96k
2022: €99k
2023: €50k
2024: €63k
2018 → 2025
Total assets
€68k▼ 25.1%
2024 · €91k
2018: €107k
2019: €123k
2020: €123k
2021: €120k
2022: €155k
2023: €131k
2024: €91k
2018 → 2025
Net result
€14k▲ 9.0%
2024 · €13k
2018: €19k
2019: €16k
2020: €-6k
2021: €3k
2022: €2k
2023: €-49k
2024: €13k
2018 → 2025
Working capital
€37k▼ 26.6%
2024 · €50k
2018: €83k
2019: €96k
2020: €87k
2021: €83k
2022: €83k
2023: €37k
2024: €50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€99k▲ 2.5%€50k▼ 49.4%€63k▲ 26.2%€44k▼ 29.7%
Operating result€2k-€2k▲ 17.5%€-50k€12k€20k▲ 76.0%
Net result€3k-€2k▼ 17.4%€-49k€13k€14k▲ 9.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 76% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€8k▼ 41.9%
Current assets
€61k▼ 22.3%
Equity and liabilities €68k
Equity
€44k▼ 29.7%
Debt
€24k▼ 14.7%
The debt ratio rises from 31.1% to 35.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26k▲
2024 · €17k
Cash flow
€20k▲
2024 · €19k
Solvency
64.6%▼
2024 · 68.9%
Current ratio
2.51▼
2024 · 2.76
Quick ratio
1.06▼
2024 · 1.52
Debt / equity
0.55▲
2024 · 0.45
ROE
32.2%▲
2024 · 20.7%
ROA
20.8%▲
2024 · 14.3%
Interest coverage
134.26▲
2024 · 23.32
Debt
€24k▼
2024 · €28k
Debt ≤ 1 year
€24k▼
2024 · €28k
Income taxes
€6k▲
2024 · €140
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€91k€68k▼
Fixed assets21/28€13k€8k▼
Intangible fixed assets21€2k€369▼
Tangible fixed assets22/27€11k€7k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€10k€6k▼
Current assets29/58€78k€61k▼
Stocks and contracts in progress3€35k€35k=
Stocks30/36€35k€35k=
Amounts receivable within one year40/41€42k€21k▼
Trade receivables40€0€17k▲
Other amounts receivable41€42k€3k▼
Cash at bank and in hand54/58€1k€5k▲
Deferred charges and accrued income490/1€0€119▲
Equity and liabilities
Total equity and liabilities10/49€91k€68k▼
Equity10/15€63k€44k▼
Contributions10/11€19k€19k=
Reserves13€51k€26k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€49k€26k▼
Profit (loss) carried forward14€-6k€0▲
Amounts payable17/49€28k€24k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€28k€24k▼
Current portion of amounts payable after more than one year42€5k€0▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€18k€19k▲
Taxes450/3€18k€19k▲
Other amounts payable47/48€0€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€1k€582▼
Gross operating margin9900€18k€26k▲
Operating profit (loss)9901€12k€20k▲
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€735€192▼
Recurring financial charges65€735€192▼
Profit (loss) for the period before taxes9903€13k€20k▲
Income taxes67/77€140€6k▲
Profit (loss) for the period9904€13k€14k▲
Profit (loss) for the period to be appropriated9905€13k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€8k▲
Profit (loss) brought forward from the previous period14P€-19k€-6k▲
Transfer from equity791/2€0€33k▲
Transfer to equity691/2-€8k
To other reserves6921-€8k
Profit to be distributed694/7-€33k
Return on contributions (dividend)694-€33k
The notes to these accounts (8 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
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
31-12
Financial
Weakest financial yearnet €-49k ▼2126%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 9.56
Current ratio from 4.68 to 9.56; short-term debt falls from €23k to €11k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Stekene · 1 establishment unit since 2015
Ground area
1,419 m²
Building footprint
273 m²
Volume, LiDAR
1,147 m³
Parcel 46011A0322/00C000, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TOR TECH TRAINING
since 20152.239.462.754
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46011A0322/00C000 | Flanders | 1,419 m² | 1 · 273 m² | 10.3 m · 1 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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,403 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.