BOUWONDERNEMING TOM CLAESSENS

Active

Private limited companyfounded 20242 yrs activeAartstraat 49, 9310 Aalst, BelgiumKBO/BCE: BE 1004.246.839

The computed 12-month bankruptcy probability of BOUWONDERNEMING TOM CLAESSENS is 1.9% (moderate). The 2025 annual accounts show equity of €298k and a net result of €152k. Its solvency ranks better than 44% of 2162 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

60 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability79▲+1

Solvency57▲+12

Growth78

Track record82

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €17k at 30 days only on tighter terms

Liquidity tight (current ratio 1.47 against 1.26 in 2024; short-term debt: 68% and cash: 27.9% of total assets), and 68% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

32%

Return on assets

16.4%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

31 d late

2024

29 d late

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€298k▲ 105%

2024 · €145k

2024: €145k

2024 → 2025

Total assets

€929k▲ 30.1%

2024 · €715k

2024: €715k

2024 → 2025

Net result

€152k▲ 32.2%

2024 · €115k

2024: €115k

2024 → 2025

Working capital

€297k▲ 104%

2024 · €145k

2024: €145k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€145k-€298k▲ 105%

Operating result€164k-€219k▲ 33.5%

Net result€115k-€152k▲ 32.2%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 33% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €929k

99.9%

Fixed assets €1k

Current assets €928k

Equity and liabilities €929k

32.0%

68.0%

Equity €298k▲ 105%

Debt €632k▲ 10.9%

The debt ratio falls from 79.7% to 68.0%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

Solvency

32.0%▲

2024 · 20.3%

Current ratio

1.47▲

2024 · 1.26

Quick ratio

1.17▲

2024 · 0.87

Debt / equity

2.12▼

2024 · 3.92

ROE

51.2%▼

2024 · 79.4%

ROA

16.4%▲

2024 · 16.1%

Debt

€632k▲

2024 · €569k

Debt ≤ 1 year

€632k▲

2024 · €569k

Income taxes

€68k▲

2024 · €49k

Staff costs

€663k▲

2024 · €660k

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€715k€929k▲

Fixed assets21/28-€1k

Financial fixed assets28-€1k

Current assets29/58€715k€928k▲

Stocks and contracts in progress3€220k€188k▼

Stocks30/36€20k€23k▲

Contracts in progress37€200k€165k▼

Amounts receivable within one year40/41€238k€474k▲

Trade receivables40€194k€415k▲

Other amounts receivable41€43k€59k▲

Cash at bank and in hand54/58€254k€260k▲

Deferred charges and accrued income490/1€3k€6k▲

Equity and liabilities

Total equity and liabilities10/49€715k€929k▲

Equity10/15€145k€298k▲

Contributions10/11€232€232=

Reserves13€145k€298k▲

Non-distributable reserves130/1€69€69=

Reserves not available under the articles1311€69€69=

Distributable reserves133€145k€297k▲

Profit (loss) carried forward14€55€60▲

Amounts payable17/49€569k€632k▲

Amounts payable within one year42/48€569k€632k▲

Financial debts43€12k€12k=

Credit institutions430/8€12k€12k=

Trade debts44€522k€576k▲

Suppliers440/4€522k€576k▲

Taxes, remuneration and social security45€26k€38k▲

Taxes450/3€14k€26k▲

Remuneration and social security454/9€12k€12k▼

Other amounts payable47/48€9k€5k▼

Income statement Code20242025

Remuneration, social security and pensions62€660k€663k▲

Other operating charges640/8€17k€11k▼

Gross operating margin9900€841k€892k▲

Operating profit (loss)9901€164k€219k▲

Financial income75/76B€3k€9k▲

Recurring financial income75€3k€9k▲

Financial charges65/66B€3k€7k▲

Recurring financial charges65€3k€7k▲

Profit (loss) for the period before taxes9903€164k€220k▲

Income taxes67/77€49k€68k▲

Profit (loss) for the period9904€115k€152k▲

Profit (loss) for the period to be appropriated9905€115k€152k▲

Appropriation of the result

Profit (loss) to be appropriated9906€115k€153k▲

Profit (loss) brought forward from the previous period14P€55€55▲

Transfer to equity691/2€115k€152k▲

To other reserves6921€115k€152k▲

Social balance

Average headcount (FTE)90878.211.0▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 31 days late

2025

31-12

Financial Equity above €200kEq €298k ▲105%

2 profitable years in a row build equity to €298k.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 29 days late

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, Aalst · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Aartstraat 499310 Aalst

Ground area

2.1 ha

Building footprint

1,371 m²

Volume, LiDAR

7,662 m³

Parcel 41026A0414/00F000, Flanders · tallest building 28.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

BOUWONDERNEMING TOM CLAESSENS

Aartstraat 49, 9310 AalstSpecialised construction activities

since 20242.354.852.073

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41026A0414/00F000	Flanders	2.1 ha	1 · 1,371 m²	28.3 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.

Public money · subsidies and aid

Flemish government

2024 to 2025 · 3 entries · 2,446 EUR awarded · 2,023 EUR paid

Year	Entries	awarded	paid
2025	2	2,071 EUR	1,696 EUR
2024	1	375 EUR	327 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 1,446 EUR · 1,023 EUR paid · Fonds voor Innoveren en Ondernemen

Premie kwalificerend werkplekleren

1 entry · 1,000 EUR · 1,000 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Recognitions · licences · registrations

Recognised contractor

2 categories

BOUWONDERNEMING TOM CLAESSENS BV#10179

category D, class 1 · category D1, class 1

decision 02-04-2025 · valid until 01-12-2026

Dual-learning approval

2 live approvals

Polyvalent administratief ondersteuner (vwo)

Goedgekeurd · 2024 to 2029

Polyvalent administratief ondersteuner duaal (so)

Goedgekeurd · 2024 to 2029

Similar companies · same sector, comparable size

Kurt Vande Vyvere Bouwonderneming

Anderlecht · Eq €298k

Of 29,803 companies in sector 41001 we hold annual accounts for 16,038. 11,003 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded04-01-2024

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43120Site preparation

43230Insulation installation

43291Specialised construction activities

46130Agents in the wholesale of timber and building materials

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.