T.O.M.
ActiveSummary
T.O.M. has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €29k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94▲+10
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 4.74 against 11.57 in 2024; short-term debt: 16.7% and cash: 14.6% of total assets), and 26.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
73.9%
Return on assets
20.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
35 d early
2023
71 d early
2022
6 d early
2021
34 d early
2020
71 d early
2019
50 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 37.9%
2024 · €77k
2018: €33klowest in 8 years
2019: €44k▲ +32.1% vs 2018
2020: €45k▲ +2.8% vs 2019
2021: €51k▲ +14.8% vs 2020
2022: €59k▲ +15.4% vs 2021
2023: €67k▲ +12.8% vs 2022
2024: €77k▲ +14.8% vs 2023
2025: €106k▲ +37.9% vs 2024highest in 8 years
2018 → 2025
Total assets
€144k▲ 70.5%
2024 · €84k
2018: €51klowest in 8 years
2019: €59k▲ +14.2% vs 2018
2020: €60k▲ +2.7% vs 2019
2021: €62k▲ +2.7% vs 2020
2022: €67k▲ +7.5% vs 2021
2023: €79k▲ +18.0% vs 2022
2024: €84k▲ +7.1% vs 2023
2025: €144k▲ +70.5% vs 2024highest in 8 years
2018 → 2025
Net result
€29k▲ 193%
2024 · €10k
2018: €5k
2019: €11k▲ +99.1% vs 2018
2020: €1k▼ -88.4% vs 2019lowest in 8 years
2021: €7k▲ +437% vs 2020
2022: €8k▲ +19.5% vs 2021
2023: €8k▼ -3.7% vs 2022
2024: €10k▲ +30.4% vs 2023
2025: €29k▲ +193% vs 2024highest in 8 years
2018 → 2025
Working capital
€90k▲ 17.3%
2024 · €76k
2018: €23klowest in 8 years
2019: €36k▲ +52.9% vs 2018
2020: €42k▲ +17.7% vs 2019
2021: €50k▲ +18.3% vs 2020
2022: €58k▲ +17.0% vs 2021
2023: €66k▲ +13.2% vs 2022
2024: €76k▲ +15.6% vs 2023
2025: €90k▲ +17.3% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€59k▲ 15.4%€67k▲ 12.8%€77k▲ 14.8%€106k▲ 37.9%
2021: €51klowest in 5 years
2022: €59k▲ +15.4% vs 2021
2023: €67k▲ +12.8% vs 2022
2024: €77k▲ +14.8% vs 2023
2025: €106k▲ +37.9% vs 2024highest in 5 years
Operating result€9k-€10k▲ 7.0%€13k▲ 33.2%€12k▼ 6.0%€43k▲ 248%
2021: €9klowest in 5 years
2022: €10k▲ +7.0% vs 2021
2023: €13k▲ +33.2% vs 2022
2024: €12k▼ -6.0% vs 2023
2025: €43k▲ +248% vs 2024highest in 5 years
Net result€7k-€8k▲ 19.5%€8k▼ 3.7%€10k▲ 30.4%€29k▲ 193%
2021: €7klowest in 5 years
2022: €8k▲ +19.5% vs 2021
2023: €8k▼ -3.7% vs 2022
2024: €10k▲ +30.4% vs 2023
2025: €29k▲ +193% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 248% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€30k ▲ 5,370%
Current assets
€114k ▲ 35.8%
Equity and liabilities €144k
Equity
€106k ▲ 37.9%
Debt
€37k ▲ 418%
Debt's share of the balance-sheet total rises from 8.6% to 26.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2024 · €13k
Cash flow
€33k▲
2024 · €11k
Current ratio
4.74▼
2024 · 11.57
Debt to equity
0.35▲
2024 · 0.09
ROE
27.5%▲
2024 · 12.9%
ROA
20.3%▲
2024 · 11.8%
Interest coverage
85.63▲
2024 · 66.51
Debt ≤ 1 year
€24k▲
2024 · €7k
Debt > 1 year
€13k
Income taxes
€15k▲
2024 · €4k
Staff costs
€1k▲
2024 · €213
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€84k€144k▲
Fixed assets21/28€548€30k▲
Tangible fixed assets22/27€523€30k▲
Plant, machinery and equipment23€523€245▼
Furniture and vehicles24-€30k
Financial fixed assets28€25€25=
Current assets29/58€84k€114k▲
Amounts receivable after more than one year29€73k€90k▲
Other amounts receivable291€73k€90k▲
Amounts receivable within one year40/41€1k€5▼
Trade receivables40€44-
Other amounts receivable41€987€5▼
Cash at bank and in hand54/58€8k€21k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€84k€144k▲
Equity10/15€77k€106k▲
Contributions10/11€12k€12k=
Reserves13€65k€94k▲
Distributable reserves133€65k€94k▲
Amounts payable17/49€7k€37k▲
Amounts payable after more than one year17-€13k
Financial debts170/4-€13k
Amounts payable within one year42/48€7k€24k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€511€636▲
Suppliers440/4€511€636▲
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€1k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€213€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€678€4k▲
Other operating charges640/8€894€959▲
Gross operating margin9900€14k€49k▲
Operating profit (loss)9901€12k€43k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€194€540▲
Recurring financial charges65€194€540▲
Profit (loss) for the period before taxes9903€14k€44k▲
Income taxes67/77€4k€15k▲
Profit (loss) for the period9904€10k€29k▲
Profit (loss) for the period to be appropriated9905€10k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€29k▲
Transfer to equity691/2€10k€29k▲
To other reserves6921€10k€29k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €468 | €260 | €504 | €213 | €1k | ▲ 584% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €2k | €745 | €678 | €4k | ▲ 428% |
| Other operating charges640/8 | €661 | €763 | €922 | €894 | €959 | ▲ 7.3% |
| Gross operating margin9900 | €16k | €13k | €15k | €14k | €49k | ▲ 247% |
| Operating profit (loss)9901 | €9k | €10k | €13k | €12k | €43k | ▲ 248% |
| Financial income75/76B | €131 | €2k | €1k | €1k | €2k | ▲ 8.9% |
| Recurring financial income75 | €131 | €2k | €1k | €1k | €2k | ▲ 8.9% |
| Financial charges65/66B | €223 | €187 | €192 | €194 | €540 | ▲ 178% |
| Recurring financial charges65 | €223 | €187 | €192 | €194 | €540 | ▲ 178% |
| Profit (loss) for the period before taxes9903 | €9k | €11k | €14k | €14k | €44k | ▲ 223% |
| Income taxes67/77 | €2k | €3k | €6k | €4k | €15k | ▲ 305% |
| Profit (loss) for the period9904 | €7k | €8k | €8k | €10k | €29k | ▲ 193% |
| Profit (loss) for the period to be appropriated9905 | €7k | €8k | €8k | €10k | €29k | ▲ 193% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €62k | €67k | €79k | €84k | €144k | ▲ 70.5% |
| Fixed assets21/28 | €2k | €997 | €909 | €548 | €30k | ▲ 5,370% |
| Tangible fixed assets22/27 | €2k | €972 | €884 | €523 | €30k | ▲ 5,624% |
| Plant, machinery and equipment23 | €1k | €799 | €884 | €523 | €245 | ▼ 53.2% |
| Furniture and vehicles24 | - | - | - | - | €30k | - |
| Other tangible fixed assets26 | €346 | €173 | - | - | - | - |
| Financial fixed assets28 | €25 | €25 | €25 | €25 | €25 | = |
| Current assets29/58 | €60k | €66k | €78k | €84k | €114k | ▲ 35.8% |
| Amounts receivable after more than one year29 | €53k | €53k | €53k | €73k | €90k | ▲ 24.1% |
| Other amounts receivable291 | €53k | €53k | €53k | €73k | €90k | ▲ 24.1% |
| Amounts receivable within one year40/41 | €3k | €4k | €23k | €1k | €5 | ▼ 99.6% |
| Trade receivables40 | - | €1k | €14k | €44 | - | - |
| Other amounts receivable41 | €3k | €2k | €9k | €987 | €5 | ▼ 99.5% |
| Cash at bank and in hand54/58 | €4k | €7k | €610 | €8k | €21k | ▲ 162% |
| Deferred charges and accrued income490/1 | €555 | €2k | €2k | €2k | €3k | ▲ 25.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €62k | €67k | €79k | €84k | €144k | ▲ 70.5% |
| Equity10/15 | €51k | €59k | €67k | €77k | €106k | ▲ 37.9% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €39k | €47k | €55k | €65k | €94k | ▲ 45.1% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €37k | €45k | €55k | €65k | €94k | ▲ 45.1% |
| Amounts payable17/49 | €10k | €7k | €12k | €7k | €37k | ▲ 418% |
| Amounts payable after more than one year17 | - | - | - | - | €13k | - |
| Financial debts170/4 | - | - | - | - | €13k | - |
| Amounts payable within one year42/48 | €10k | €7k | €12k | €7k | €24k | ▲ 232% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €8k | - |
| Trade debts44 | €5k | €1k | €2k | €511 | €636 | ▲ 24.6% |
| Suppliers440/4 | €5k | €1k | €2k | €511 | €636 | ▲ 24.6% |
| Taxes, remuneration and social security45 | €3k | €6k | €10k | €5k | €6k | ▲ 7.8% |
| Taxes450/3 | €3k | €6k | €10k | €5k | €4k | ▼ 19.3% |
| Remuneration and social security454/9 | - | - | - | - | €1k | - |
| Other amounts payable47/48 | €3k | - | - | €1k | €9k | ▲ 599% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7k | €8k | €8k | €10k | €29k | ▲ 193% |
| + Depreciation and write-downs630 | €6k | €2k | €745 | €678 | €4k | ▲ 428% |
| Operating cash flow (approximation) | €13k | €10k | €8k | €11k | €33k | ▲ 208% |
| Investment in fixed assets (approximation) | - | €-1k | €-657 | €-317 | €-33k | ▼ 10,296% |
| Change in cash | - | €3k | €-7k | €7k | €13k | ▲ 75.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €29k ▲193%
Operating result €43k, net result €29k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲37.9%
8 profitable years in a row build equity to €106k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €1k ▼88.4%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Zandhoven · 1 establishment unit since 1994
Ground area
724 m²
Building footprint
114 m²
Volume, LiDAR
626 m³
2 parcels, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Raamadviseur
since 19942.067.238.561
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11027A0071/00R000 | Flanders | 655 m² | 1 · 114 m² | 8.0 m · 2 fl. |
| 11312A0834/00S000 | Flanders | 69 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,815 companies in sector 43211 we hold annual accounts for 10,325. 8,777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-04-1994
Fiscal year end31-12
Trade name NL
Raamadviseur
Activities, NACEBEL 2025
43211General electrical installation work
Scores and ratios are computed by Checked and are not a credit decision.