PRO TOM
ActiveThe computed 12-month bankruptcy probability of PRO TOM is 2.0% (moderate). The 2025 annual accounts show equity of €36k and a net result of €5k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 53% of 7452 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-12
Solvency71▼-28
Growth46▼-4
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 3.03 in 2024; short-term debt: 21.3% and cash: 17.6% of total assets), but 53.5% 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
raises risk · 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 →
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
46.5%
Return on assets
6.6%
Age of the figures
11 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 01-06-2026, 1 day late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
1 d late
2024
4 d early
2023
on the day
2022
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€210k▼ 5.7%
2024 · €223k
2022: €210k
2023: €183k
2024: €223k
2022 → 2025
EBIT margin
4.2%▼ 1.3pp
2024 · 5.5%
2022: 7.0%
2023: 4.4%
2024: 5.5%
2022 → 2025
Net result
€5k▼ 46.6%
2024 · €9k
2022: €10k
2023: €6k
2024: €9k
2022 → 2025
Working capital
€23k▲ 6.4%
2024 · €22k
2022: €-11k
2023: €8k
2024: €22k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€210k-€183k▼ 12.8%€223k▲ 22.1%€210k▼ 5.7%
Equity€15k-€21k▲ 38.6%€31k▲ 44.5%€36k▲ 16.4%
Operating result€15k-€8k▼ 45.0%€12k▲ 51.6%€9k▼ 27.4%
Net result€10k-€6k▼ 42.7%€9k▲ 59.6%€5k▼ 46.6%
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 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€37k▲ 316%
Current assets
€39k▲ 21.7%
Equity and liabilities €77k
Equity
€36k▲ 16.4%
Debt
€41k▲ 285%
The debt ratio rises from 25.9% to 53.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €18k
Cash flow
€14k▼
2024 · €15k
Solvency
46.5%▼
2024 · 74.1%
Current ratio
2.41▼
2024 · 3.03
Quick ratio
2.41▼
2024 · 3.03
Debt / equity
1.15▲
2024 · 0.35
ROE
14.1%▼
2024 · 30.8%
ROA
6.6%▼
2024 · 22.8%
Interest coverage
7.47▼
2024 · 28.30
Debt
€41k▲
2024 · €11k
Debt ≤ 1 year
€16k▲
2024 · €11k
Debt > 1 year
€25k
Income taxes
€2k▼
2024 · €3k
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€41k€77k▲
Fixed assets21/28€9k€37k▲
Tangible fixed assets22/27€8k€37k▲
Furniture and vehicles24€8k€672▼
Leasing and similar rights25-€36k
Financial fixed assets28€500€500=
Current assets29/58€32k€39k▲
Amounts receivable within one year40/41€23k€26k▲
Trade receivables40€22k€22k▲
Other amounts receivable41€790€4k▲
Cash at bank and in hand54/58€10k€13k▲
Equity and liabilities
Total equity and liabilities10/49€41k€77k▲
Equity10/15€31k€36k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€26k€31k▲
Amounts payable17/49€11k€41k▲
Amounts payable after more than one year17-€25k
Financial debts170/4-€25k
Amounts payable within one year42/48€11k€16k▲
Current portion of amounts payable after more than one year42-€9k
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Bills of exchange payable441€159-
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48€907€879▼
Income statement
Code20242025
Turnover70€223k€210k▼
Goods, raw materials, services and sundry goods60/61€205k€191k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€232€975▲
Gross operating margin9900€18k€19k▲
Operating profit (loss)9901€12k€9k▼
Financial income75/76B€734€100▼
Recurring financial income75€734€100▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€632€2k▲
Non-recurring financial charges66B€395-
Profit (loss) for the period before taxes9903€12k€7k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€9k€5k▼
Profit (loss) for the period to be appropriated9905€9k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€31k▲
Profit (loss) brought forward from the previous period14P€16k€26k▲
The notes to these accounts (9 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
31-10
Financial
Weakest financial yearnet €5k ▼46.6%
Net result drops to €5k, the lowest in the series.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-10
Financial
Liquidity doublescurrent ratio 3.03
Current ratio from 1.35 to 3.03; short-term debt falls from €22k to €11k.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Opwijk · 1 establishment unit since 2021
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.
Stwg. op Aalst 921745 OpwijkGround area
700 m²
Building footprint
104 m²
Volume, LiDAR
578 m³
Parcel 23752H0225/00A002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRO TOM
since 20212.326.067.027
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752H0225/00A002 | Flanders | 700 m² | 1 · 104 m² | 10.0 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.
Similar companies · same sector, comparable size
L.B. ENTREPRISE
BE 0449.446.431
Boussu · Eq €36k
Bouwwerken De Keuster
BE 0412.507.049
Heist-op-den-Berg · Eq €36k
TECHNIC ROOF
BE 1009.441.386
Sint-Genesius-Rode · Eq €36k
Immo Ferreira
BE 0845.173.569
Vorst · Eq €36k
MaksAn
BE 0803.028.653
Leuven · Eq €36k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 12,699 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-10
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43110Demolition
43230Insulation installation
43291Specialised construction activities
43422Screed work
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.