Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 33 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
T & O BIKES from Leuven, company number BE0889082402, closed financial year 2025 with a result of € -138,273 after tax. For that financial year T & O BIKES recorded a gross margin of € 369,605 and equity of € 425,720. Compared with financial year 2024, the result moved from € 40,771 to € -138,273. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.
€ 425,720
▼ 25% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -138,273
▼ still € 40,771 profit in 2024
Profit after tax over the fiscal year.
€ 96,554
▼ 54% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 407,120.
People and assets in 2025
7.9
▼ 1.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 447,204
▲ 2% vs 2024
€ 56,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 10,765
▲ € 9,824 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 398,358
▼ 36% vs 2024
€ 310,474 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 117,706
▲ 132% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 65,503
▼ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 389,205 | € 574,997 | € 614,564 | € 369,605 | ▼ 40% |
| Profit after taxes | € 103,418 | € 89,724 | € 40,771 | € -138,273 | ▼ € 179,044 |
| Equity | € 472,509 | € 562,233 | € 563,993 | € 425,720 | ▼ 25% |
| Total debts | € 951,229 | € 799,366 | € 789,204 | € 621,527 | ▼ 21% |
| Cash | € 38,358 | € 37,045 | € 207,665 | € 96,554 | ▼ 54% |
| Land & buildings | € 334,762 | € 0 | - | - | |
| Retained profit | € 453,909 | € 543,633 | € 545,393 | € 407,120 | ▼ 25% |
| Dividend | € 0 | € 0 | € 39,010 | € 0 | ▼ 100% |
| Bank debt | € 770,995 | € 605,265 | € 623,062 | € 398,358 | ▼ 36% |
| Balance sheet total | € 1,423,739 | € 1,361,599 | € 1,353,197 | € 1,047,247 | ▼ 23% |
| Employees (FTE) | 5.9 | 8.1 | 9.1 | 7.9 | ▼ 1.2 |
Key figures of T & O BIKES, 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 & O BIKES?
What happened at T & O BIKES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 138,273 (▼ € 179,044 vs 2024). filed late Source: NBB ↗
- Jacobs 2.0 BV became a director. NBB
- New establishment in Boechout. KBO
- New establishment in Leuven. KBO
- New establishment in Leuven. KBO
- Start of the company according to the CBE. KBO
In short
From € 103,418 profit in 2022 to € 138,273 loss in 2025.
Paid € 85,914 in corporate taxes since 2022.
Best year ever: 2022, with € 103,418 profit.
On average € 46,800 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of Jacobs 2.0 comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
T & O BIKESBehind T & O BIKES is Jacobs 2.0 BV. The shares are held by Jacobs 2.0 (50%).
Directors
According to the 2025 annual accounts
Director · represented by Steven Lismont
since 2024
Shareholders
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Diestsestraat 194C
3000 Leuven
Diestsestraat 194 box C
3000 Leuven
Active since 9 May 2007
Diestsestraat 192
3000 Leuven
Active since 1 May 2022
Alexander Franckstraat 47
2530 Boechout
Active since 8 June 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →Honda Mertens Immo
€ 199,218 gross margin · 2025
MOTOR SPRINT
€ 174,750 gross margin · 2025
FALCO
€ -14,429 gross margin · 2025
Jacobs 2.0 same network
€ -1,928 gross margin · 2025
MATIMO
€ -1.3 million gross margin · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0889.082.402
- VAT number
- BE 0889.082.402
- Registered office
- Diestsestraat 194C, 3000 Leuven
- Names & denominations
- T & O BIKES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 17 April 2007
- Peppol
- Active · Active since 3 Dec 2025
- Activities · NACE
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