Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
T & A from Gent, company number BE0440963978, closed financial year 2025 with a result of € -2,408 after tax. For that financial year T & A recorded a gross margin of € -392 and equity of € -124,158. Compared with financial year 2024, the result moved from € -2,099 to € -2,408. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 9, 2026.
€ -124,158
▼ € 2,408 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,408
▼ 15 % more loss than in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -155,145.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 84 | € 337 | € -112 | € -392 | ▼ € 279 |
| Profit after taxes | € -1,746 | € -1,622 | € -2,099 | € -2,408 | ▼ € 309 |
| Equity | € -118,029 | € -119,651 | € -121,750 | € -124,158 | ▼ € 2,408 |
| Total debts | € 129,934 | € 130,512 | € 131,566 | € 132,929 | ▲ 1% |
| Land & buildings | € 16,905 | € 15,860 | € 14,816 | € 13,771 | ▼ 7% |
| Retained profit | € -149,016 | € -150,638 | € -152,737 | € -155,145 | ▼ € 2,408 |
| Balance sheet total | € 16,905 | € 15,860 | € 14,816 | € 13,771 | ▼ 7% |
Key figures of T & A, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to T & A?
What happened at T & A in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Patrick Florizoone stepped down as director. NBB
- Karl De Wit stepped down as director. NBB
- Blondina De Bondt stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 2,408. Source: NBB ↗
- Patrick Florizoone became a director. NBB
- Bert De Wit stepped down as director. NBB
- Karl De Wit became a director. NBB
- Blondina De Bondt became a director. NBB
In short
From € 1,746 loss in 2022 to € 2,408 loss in 2025.
Management
Directors
According to the 2025 annual accounts
Karl De Wit
Bestuurder
since 2024 · until 2030
Patrick Florizoone
Bestuurder
since 2025 · until 2031
Blondina De Bondt
Gedelegeerd bestuurder
since 2024 · until 2030
Bert De Wit
Bestuurder
since 2024 · until 2025
Establishments
Establishment units
Physical locations of this company
Zwartezustersstraat 28
9000 Gent
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0440.963.978
- VAT number
- BE 0440.963.978
- Registered office
- Zwartezustersstraat 28, 9000 Gent
- Names & denominations
- T & A
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 May 1990
- Peppol
- Active · Active since 31 Aug 2026
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis