Summary
BUREAU THOMAS SRL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €110k and a net result of €47k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 2435 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
16 d early
2023
8 d early
2022
31 d late
2021
78 d late
2020
88 d late
2019
62 d late
← 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, micro schema
Equity
€110k▲ 6.3%
2024 · €103k
2018: €22k
2019: €47k
2020: €66k
2021: €79k
2022: €98k
2023: €103k
2024: €103k
2018 → 2025
Net result
€47k▲ 31.9%
2024 · €35k
2018: €17k
2019: €40k
2020: €44k
2021: €34k
2022: €52k
2023: €40k
2024: €35k
2018 → 2025
Total assets
€288k▼ 4.2%
2024 · €301k
2018: €219k
2019: €252k
2020: €274k
2021: €296k
2022: €291k
2023: €265k
2024: €301k
2018 → 2025
Solvency
38.0%▲ 3.8pp
2024 · 34.3%
2018: 10.3%
2019: 18.6%
2020: 24.3%
2021: 26.7%
2022: 33.7%
2023: 38.8%
2024: 34.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€98k▲ 23.9%€103k▲ 4.9%€103k▲ 0.2%€110k▲ 6.3%
Operating result€59k-€82k▲ 38.2%€63k▼ 23.3%€57k▼ 9.3%€71k▲ 25.1%
Net result€34k-€52k▲ 54.4%€40k▼ 23.2%€35k▼ 11.5%€47k▲ 31.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €288k
Fixed assets
€123k ▼ 4.6%
Current assets
€165k ▼ 3.9%
Equity and liabilities €288k
Equity
€110k ▲ 6.3%
Provisions
€39k =
Debt
€139k ▼ 12.1%
Debt's share of the balance-sheet total falls from 52.7% to 48.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
42.5%▲
2024 · 34.2%
ROA
16.2%▲
2024 · 11.7%
Debt ≤ 1 year
€121k▼
2024 · €137k
Debt > 1 year
€15k▼
2024 · €21k
Income taxes
€18k▲
2024 · €16k
Staff costs
€37k▲
2024 · €37k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€301k€288k▼
Fixed assets21/28€129k€123k▼
Tangible fixed assets22/27€129k€123k▼
Land and buildings22€129k€119k▼
Furniture and vehicles24-€4k
Current assets29/58€172k€165k▼
Amounts receivable after more than one year29€128k€122k▼
Other amounts receivable291€128k€122k▼
Amounts receivable within one year40/41€22k€25k▲
Trade receivables40€13k€14k▲
Other amounts receivable41€9k€11k▲
Cash at bank and in hand54/58€22k€17k▼
Deferred charges and accrued income490/1€120€2k▲
Equity and liabilities
Total equity and liabilities10/49€301k€288k▼
Equity10/15€103k€110k▲
Contributions10/11€19k€19k=
Reserves13€4k€4k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€81k€87k▲
Provisions and deferred taxes16€39k€39k=
Provisions for liabilities and charges160/5€39k€39k=
Pensions and similar obligations160€39k€39k=
Amounts payable17/49€158k€139k▼
Amounts payable after more than one year17€21k€15k▼
Financial debts170/4€21k€15k▼
Amounts payable within one year42/48€137k€121k▼
Current portion of amounts payable after more than one year42€31k€6k▼
Financial debts43€21k€31k▲
Credit institutions430/8€21k€31k▲
Trade debts44€2k€15k▲
Suppliers440/4€2k€15k▲
Taxes, remuneration and social security45€58k€41k▼
Taxes450/3€46k€30k▼
Remuneration and social security454/9€12k€12k▼
Other amounts payable47/48€25k€28k▲
Accrued charges and deferred income492/3€675€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€37k€37k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€713€864▲
Gross operating margin9900€103k€119k▲
Operating profit (loss)9901€57k€71k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€51k€65k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€35k€47k▲
Profit (loss) for the period to be appropriated9905€35k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€116k€127k▲
Profit (loss) brought forward from the previous period14P€80k€81k▲
Profit to be distributed694/7€35k€40k▲
Return on contributions (dividend)694€35k€40k▲
The notes to these accounts (6 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €103k ▲4.9%
6 profitable years in a row build equity to €103k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €52k ▲54.4%
Operating result €82k, net result €52k, both a record.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
12-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 73 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Comblain-au-Pont · 1 establishment unit since 1999
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.
Halleux 1104170 Comblain-au-PontGround area
1,421 m²
Building footprint
133 m²
Volume, LiDAR
1,344 m³
Parcel 62026G0554/00T000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Halleux 110, 4170 Comblain-au-Pont
since 19992.131.301.519
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62026G0554/00T000 | Wallonia | 1,421 m² | 1 · 133 m² | 11.8 m · 3 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.
Similar companies · same sector, comparable size
ZAKENKANTOOR DEREYMAEKER
BE 0439.499.179
Antwerpen · Eq €109,429
Acerta Verzekeringen
BE 0703.952.160
Brussel · Eq €109,655
ASSUR PLUS
BE 0848.310.233
Lessines · Eq €109,305
FINANCIERE DE L'EUROPE
BE 0890.592.236
Couvin · Eq €109,748
DENDRE ASSUR
BE 0634.767.010
Lens (Hainaut) · Eq €109,759
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,734 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 formPrivate limited company
Founded15-12-1998
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.