TPJM Invest
ActiveSummary
The computed 12-month bankruptcy probability of TPJM Invest is 2.9% (moderate). The 2025 annual accounts show equity of €32k and a net result of €-2k. Equity is growing by ~7.2% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-12
Solvency35=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.03 against 0.04 in 2024; short-term debt: 54% and cash: 1.5% of total assets), and 90.4% of the assets are financed with debt.
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 · 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 · 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 2025Solvency, return and age of the figures
Solvency
9.6%
Return on assets
-0.5%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
31 d early
2024
25 d late
2023
26 d late
2022
60 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€32k▼ 5.0%
2024 · €34k
2022: €21k
2023: €33k
2024: €34k
2022 → 2025
Total assets
€336k▼ 0.3%
2024 · €337k
2022: €357k
2023: €346k
2024: €337k
2022 → 2025
Net result
€-2k
2024 · €994
2022: €6k
2023: €12k
2024: €994
2022 → 2025
Working capital
€-177k▼ 18.6%
2024 · €-149k
2022: €-131k
2023: €-131k
2024: €-149k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€21k-€33k▲ 55.9%€34k▲ 3.0%€32k▼ 5.0%
Operating result€15k-€18k▲ 25.0%€4k▼ 76.2%€1k▼ 73.6%
Net result€6k-€12k▲ 90.2%€994▼ 91.6%€-2k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 74% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€331k =
Current assets
€5k ▼ 17.2%
Equity and liabilities €336k
Equity
€32k ▼ 5.0%
Debt
€304k ▲ 0.2%
Debt's share of the balance-sheet total rises from 89.9% to 90.4%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.03▼
2024 · 0.04
Debt to equity
9.37▲
2024 · 8.88
ROE
-5.3%▼
2024 · 2.9%
ROA
-0.5%▼
2024 · 0.3%
Debt ≤ 1 year
€182k▲
2024 · €155k
Debt > 1 year
€122k▼
2024 · €148k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€337k€336k▼
Fixed assets21/28€331k€331k=
Tangible fixed assets22/27€331k€331k=
Land and buildings22€331k€331k=
Current assets29/58€6k€5k▼
Cash at bank and in hand54/58€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€337k€336k▼
Equity10/15€34k€32k▼
Contributions10/11€15k€15k=
Profit (loss) carried forward14€19k€17k▼
Amounts payable17/49€303k€304k▲
Amounts payable after more than one year17€148k€122k▼
Financial debts170/4€148k€122k▼
Amounts payable within one year42/48€155k€182k▲
Current portion of amounts payable after more than one year42€26k€26k▲
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€248-
Taxes450/3€248-
Other amounts payable47/48€129k€154k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€12k€3k▼
Operating profit (loss)9901€4k€1k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€1k€-2k▼
Income taxes67/77€248-
Profit (loss) for the period9904€994€-2k▼
Profit (loss) for the period to be appropriated9905€994€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€17k▼
Profit (loss) brought forward from the previous period14P€18k€19k▲
The notes to these accounts (11 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼273%
Net result drops to €-2k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Highest result since 2022net €12k ▲90.2%
Operating result €18k, net result €12k, both a record.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Willebroek · 1 establishment unit since 2021
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.
Mechelsesteenweg 152830 WillebroekGround area
7,579 m²
Building footprint
396 m²
Volume, LiDAR
2,180 m³
Parcel 12342B0600/00A000, Flanders · tallest building 19.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Mechelsesteenweg 15, 2830 Willebroek
since 20212.317.667.421
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12342B0600/00A000 | Flanders | 7,579 m² | 1 · 396 m² | 19.5 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.