Dr. Tom Bergmans

Active

Private limited companyfounded 20224 yrs activePerlamoenalaan 8, 2280 Grobbendonk, BelgiumKBO/BCE: BE 0790.461.908

Summary

The computed 12-month bankruptcy probability of Dr. Tom Bergmans is 1.8% (moderate). The 2024 annual accounts show equity of €166,097 and a net result of €97,598. Equity is growing by ~112% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

Dr. Tom BergmansActiveChecked score 58/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€218,570total assets 2024

Equity: €166,097
Profit: €97,598

Turnover not published (abridged schema)

Financial health

58 Fair Checked score 2024

Bankruptcy chance 12 m: 1.8%

Structure

Accounts 63 d overdue0 of 2 deeds read

Why 58- 1 financial year not filed after the legal deadline; latest accounts 92 days late; 3 of the last 3 late- Figures for FY 2024 (filed 08-11-2025)+ Size: total assets €218,570+ Liquidity: current ratio 4.05, cash €138,513Show the evidence

Checked score

Score 2024

58 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 87% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Strong

Solvency 100=

equity 76.0% of total assets

Liquidity 91+24

short-term debt 24.0% · cash 63.4%

Profitability 100=

return on assets 44.7%

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 14 months 09-2025: 7.2%highest value 10-2025: 5.6%▼ -23.2% vs 09-2025 11-2025: 5.7%▲ +2.1% vs 10-2025 12-2025: 0.5%▼ -90.9% vs 11-2025 01-2026: 0.5%▼ -1.5% vs 12-2025lowest value 02-2026: 0.5%▲ +6.1% vs 01-2026 03-2026: 0.5%▲ +0.2% vs 02-2026 04-2026: 0.5%▼ -0.9% vs 03-2026 05-2026: 0.5%▼ -0.4% vs 04-2026 06-2026: 0.6%▲ +6.7% vs 05-2026 07-2026: 0.6%▲ +5.6% vs 06-2026 08-2026: 1.0%▲ +60.0% vs 07-2026 09-2026: 1.1%▲ +14.6% vs 08-2026 10-2026: 1.8%▲ +60.1% vs 09-2026

1 financial year not filed after the legal deadline; latest accounts 92 days late; 3 of the last 3 late raises the probability
Figures for FY 2024 (filed 08-11-2025) raises the probability
Size: total assets €218,570 lowers the probability for this profile
Liquidity: current ratio 4.05, cash €138,513 lowers the probability

Credit up to €9,000 at 30 days only on tighter terms

Liquidity ample (current ratio 4.05 against 4.08 in 2023; short-term debt: 24% and cash: 63.4% of total assets), and 24% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 82%, profitability 90%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk

1 financial year not filed after the legal deadline; latest accounts 92 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Figures for FY 2024 (filed 08-11-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Size: total assets €218,570

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 4.05, cash €138,513

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

92 d late

2023

119 d late

2022

88 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 3 accounts on average 100 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)

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