ENGELEN TOM
ActiveENGELEN TOM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €64k. Equity is growing by ~47.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 7.35 against 3.66 in 2024; short-term debt: 13.4% and cash: 12.2% of total assets), and 14.3% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.7%
Return on assets
26.8%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
21 d early
2023
10 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 45.6%
2024 · €139k
2023: €71k
2024: €139k
2023 → 2025
Total assets
€237k▲ 20.6%
2024 · €196k
2023: €114k
2024: €196k
2023 → 2025
Net result
€64k▼ 7.7%
2024 · €69k
2023: €66k
2024: €69k
2023 → 2025
Working capital
€201k▲ 46.2%
2024 · €138k
2023: €69k
2024: €138k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€71k-€139k▲ 97.6%€203k▲ 45.6%
Operating result€82k-€83k▲ 1.1%€75k▼ 9.6%
Net result€66k-€69k▲ 5.0%€64k▼ 7.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €237k
Fixed assets
€4k▼ 44.0%
Current assets
€233k▲ 23.0%
Equity and liabilities €237k
Equity
€203k▲ 45.6%
Debt
€34k▼ 40.6%
The debt ratio falls from 29.0% to 14.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▼
2024 · €86k
Cash flow
€67k▼
2024 · €72k
Solvency
85.7%▲
2024 · 71.0%
Current ratio
7.35▲
2024 · 3.66
Quick ratio
7.35▲
2024 · 3.66
Debt / equity
0.17▼
2024 · 0.41
ROE
31.3%▼
2024 · 49.4%
ROA
26.8%▼
2024 · 35.1%
Interest coverage
202.60▼
2024 · 274.55
Debt
€34k▼
2024 · €57k
Debt ≤ 1 year
€32k▼
2024 · €52k
Debt > 1 year
€2k▼
2024 · €5k
Income taxes
€16k▼
2024 · €17k
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€196k€237k▲
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Furniture and vehicles24€7k€4k▼
Current assets29/58€189k€233k▲
Amounts receivable after more than one year29€0-
Trade receivables290€0-
Amounts receivable within one year40/41€55k€132k▲
Trade receivables40€18k€9k▼
Other amounts receivable41€37k€123k▲
Current investments50/53-€70k
Cash at bank and in hand54/58€133k€29k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€196k€237k▲
Equity10/15€139k€203k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€134k€198k▲
Amounts payable17/49€57k€34k▼
Amounts payable after more than one year17€5k€2k▼
Financial debts170/4€5k€2k▼
Amounts payable within one year42/48€52k€32k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€40k€21k▼
Taxes450/3€40k€21k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€967€0▼
Other operating charges640/8€188€62▼
Gross operating margin9900€88k€78k▼
Operating profit (loss)9901€83k€75k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€315€386▲
Recurring financial charges65€315€386▲
Profit (loss) for the period before taxes9903€86k€80k▼
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€69k€64k▼
Profit (loss) for the period to be appropriated9905€69k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€134k€198k▲
Profit (loss) brought forward from the previous period14P€66k€134k▲
The notes to these accounts (13 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €64k ▼7.7%
Net result drops to €64k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 7.35
Current ratio from 3.66 to 7.35; short-term debt falls from €52k to €32k.
31-12
Financial
Equity above €200kEq €203k ▲45.6%
3 profitable years in a row build equity to €203k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €69k ▲5%
Operating result €83k, net result €69k, both a record.
31-12
Financial
Equity above €100kEq €139k ▲97.6%
2 profitable years in a row build equity to €139k.
21-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Maasmechelen · 1 establishment unit since 2023
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.
Vredestraat(E) 313630 MaasmechelenGround area
308 m²
Building footprint
79 m²
Volume, LiDAR
504 m³
Parcel 73013B0890/00K000, Flanders · tallest building 15.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ENGELEN TOM
since 20232.343.975.405
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013B0890/00K000 | Flanders | 308 m² | 1 · 79 m² | 15.6 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
2023 to 2025 · 3 entries · 895 EUR awarded · 813 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 276 EUR | 195 EUR |
| 2024 | 1 | 326 EUR | 378 EUR |
| 2023 | 1 | 293 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,145 companies in sector 71209 we hold annual accounts for 1,085. 803 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2023
Fiscal year end31-12
Activities, NACEBEL
71209Other technical testing and analysis
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.