TYBIM
ActiveSummary
TYBIM has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15.84M and a net result of €235k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 90% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+13
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.25M at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.56 in 2024; short-term debt: 6.7% and cash: 1.3% of total assets), and 10.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
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
89.5%
Return on assets
1.3%
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
45 d early
2023
89 d early
2022
59 d early
2021
61 d early
2020
73 d early
2019
73 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€15.84M▲ 1.5%
2024 · €15.60M
2018: €14.17M
2019: €13.84M
2020: €14.32M
2021: €14.07M
2022: €15.35M
2023: €15.59M
2024: €15.60M
2018 → 2025
Total assets
€17.70M▲ 0.4%
2024 · €17.63M
2018: €15.56M
2019: €15.57M
2020: €16.13M
2021: €17.42M
2022: €17.69M
2023: €17.56M
2024: €17.63M
2018 → 2025
Net result
€235k▲ 1,515%
2024 · €15k
2018: €165k
2019: €578k
2020: €852k
2021: €117k
2022: €1.88M
2023: €239k
2024: €15k
2018 → 2025
Working capital
€862k▲ 14.8%
2024 · €751k
2018: €6.03M
2019: €5.21M
2020: €5.95M
2021: €5.91M
2022: €722k
2023: €534k
2024: €751k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14.07M-€15.35M▲ 9.1%€15.59M▲ 1.6%€15.60M▲ 0.1%€15.84M▲ 1.5%
Operating result€70k-€54k▼ 23.3%€115k▲ 114%€49k▼ 56.9%€381k▲ 673%
Net result€117k-€1.88M▲ 1,511%€239k▼ 87.3%€15k▼ 93.9%€235k▲ 1,515%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 673% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17.70M
Fixed assets
€15.66M ▲ 0.8%
Current assets
€2.04M ▼ 2.7%
Equity and liabilities €17.70M
Equity
€15.84M ▲ 1.5%
Provisions
€128k ▲ 159%
Debt
€1.73M ▼ 12.3%
Debt's share of the balance-sheet total falls from 11.2% to 9.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€772k▲
2024 · €335k
Cash flow
€626k▲
2024 · €301k
Current ratio
1.73▲
2024 · 1.56
Quick ratio
0.48▲
2024 · 0.45
Debt to equity
0.11▼
2024 · 0.13
ROE
1.5%▲
2024 · 0.1%
ROA
1.3%▲
2024 · 0.1%
Interest coverage
10.97▲
2024 · 4.57
Debt ≤ 1 year
€1.18M▼
2024 · €1.35M
Debt > 1 year
€525k▼
2024 · €600k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€17.63M€17.70M▲
Fixed assets21/28€15.53M€15.66M▲
Tangible fixed assets22/27€4.89M€5.02M▲
Land and buildings22€4.89M€5.02M▲
Financial fixed assets28€10.64M€10.64M=
Current assets29/58€2.10M€2.04M▼
Stocks and contracts in progress3€1.49M€1.47M▼
Stocks30/36€1.49M€1.47M▼
Amounts receivable within one year40/41€303k€42k▼
Trade receivables40€288k€12k▼
Other amounts receivable41€15k€30k▲
Current investments50/53€200k€300k▲
Cash at bank and in hand54/58€101k€227k▲
Equity and liabilities
Total equity and liabilities10/49€17.63M€17.70M▲
Equity10/15€15.60M€15.84M▲
Contributions10/11€4.12M€4.12M=
Capital10€4.12M€4.12M=
Issued capital100€4.12M€4.12M=
Reserves13€11.48M€11.71M▲
Non-distributable reserves130/1€412k€412k=
Legal reserve130€412k€412k=
Tax-exempt reserves132€144k€464k▲
Distributable reserves133€10.92M€10.84M▼
Provisions and deferred taxes16€50k€128k▲
Deferred taxes168€50k€128k▲
Amounts payable17/49€1.98M€1.73M▼
Amounts payable after more than one year17€600k€525k▼
Financial debts170/4€600k€525k▼
Amounts payable within one year42/48€1.35M€1.18M▼
Current portion of amounts payable after more than one year42€75k€75k=
Trade debts44€120k€4k▼
Suppliers440/4€120k€4k▼
Taxes, remuneration and social security45€36k€23k▼
Taxes450/3€30k€17k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€1.11M€1.08M▼
Accrued charges and deferred income492/3€31k€31k▼
Income statement
Code20242025
Non-recurring operating income76A€99k€418k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€286k€391k▲
Other operating charges640/8€25k€21k▼
Non-recurring operating charges66A€55-
Gross operating margin9900€361k€793k▲
Operating profit (loss)9901€49k€381k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€73k€70k▼
Recurring financial charges65€73k€70k▼
Profit (loss) for the period before taxes9903€-23k€314k▲
Transfer from deferred taxes780€13k€4k▼
Transfer to deferred taxes680-€83k
Income taxes67/77€-24k-
Profit (loss) for the period9904€15k€235k▲
Transfer from tax-exempt reserves789€41k€12k▼
Transfer to tax-exempt reserves689-€332k
Profit (loss) for the period to be appropriated9905€55k€-85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€-85k▼
Transfer from equity791/2-€85k
Transfer to equity691/2€55k-
To other reserves6921€55k-
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €15k ▼93.9%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €1.88M ▲1,511%
Net result €1.88M, the highest in the series.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-05
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 6 acts read
About the unread acts
We know of 6 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
6 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, Waregem · 1 establishment unit since 1989
Ground area
456 m²
Building footprint
149 m²
Volume, LiDAR
710 m³
Parcel 34010A0705/00S002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
TYBIM NV
since 19892.044.543.333
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0705/00S002 | Flanders | 456 m² | 1 · 149 m² | 9.8 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.
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 877 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-02-1989
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.