THEMOSA

Active

Private limited companyfounded 20233 yrs activeRue du Rivage(DV) 4, 5100 Namur, BelgiumKBO/BCE: BE 0803.315.693

Summary

THEMOSA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €16k and a net result of €-5k. Its solvency ranks better than 8% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2024

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability67▼-9

Solvency31▼-2

Growth32

Track record94

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity tight (current ratio 1.01 against 1.25 in 2023; short-term debt: 17.6% of total assets), and 94.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

5.9%

Return on assets

-1.8%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 15367 sector peers (2024).

NBB · sector comparison

Position among 15367 sector peers

Solvency

better than 8%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

25 d late

2023

29 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€16k▼ 23.0%

2023 · €21k

2023: €21k

2023 → 2024

Total assets

€270k▲ 0.7%

2023 · €268k

2023: €268k

2023 → 2024

Net result

€-5k

2023 · €16k

2023: €16k

2023 → 2024

Working capital

€582▼ 89.3%

2023 · €5k

2023: €5k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€21k-€16k▼ 23.0%

Operating result€28k-€-220

Net result€16k-€-5k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €220 after €28k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €270k

82.2%

17.8%

Fixed assets €222k ▼ 7.7%

Current assets €48k ▲ 74.4%

Equity and liabilities €270k

94.1%

Equity €16k ▼ 23.0%

Debt €254k ▲ 2.7%

Debt's share of the balance-sheet total rises from 92.2% to 94.1%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€43k▼

2023 · €52k

Cash flow

€39k▼

2023 · €40k

Current ratio

1.01▼

2023 · 1.25

Debt to equity

15.82▲

2023 · 11.87

ROE

-29.8%▼

2023 · 76.0%

ROA

-1.8%▼

2023 · 5.9%

Interest coverage

14.71▼

2023 · 79.54

Debt ≤ 1 year

€47k▲

2023 · €22k

Debt > 1 year

€207k▼

2023 · €226k

Income taxes

€2k▼

2023 · €11k

Staff costs

€41k▲

2023 · €26k

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 · 2024 against 2023 · 49 lines

Balance sheet Code20232024

Assets

Total assets20/58€268k€270k▲

Fixed assets21/28€241k€222k▼

Intangible fixed assets21€195k€172k▼

Tangible fixed assets22/27€46k€50k▲

Land and buildings22-€3k

Plant, machinery and equipment23-€3k

Furniture and vehicles24€46k€38k▼

Other tangible fixed assets26-€7k

Current assets29/58€28k€48k▲

Amounts receivable within one year40/41€28k€44k▲

Trade receivables40€27k€44k▲

Other amounts receivable41€332€0▼

Deferred charges and accrued income490/1-€4k

Equity and liabilities

Total equity and liabilities10/49€268k€270k▲

Equity10/15€21k€16k▼

Contributions10/11€5k€5k=

Reserves13€16k€16k=

Distributable reserves133€16k€16k=

Profit (loss) carried forward14€362€-4k▼

Amounts payable17/49€248k€254k▲

Amounts payable after more than one year17€226k€207k▼

Financial debts170/4-€58k

Other amounts payable178/9€226k€149k▼

Amounts payable within one year42/48€22k€47k▲

Current portion of amounts payable after more than one year42-€9k

Financial debts43€1k€2k▲

Credit institutions430/8€1k€2k▲

Trade debts44€6k€18k▲

Suppliers440/4€6k€18k▲

Taxes, remuneration and social security45€15k€19k▲

Taxes450/3€13k€11k▼

Remuneration and social security454/9€2k€8k▲

Income statement Code20232024

Remuneration, social security and pensions62€26k€41k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€44k▲

Other operating charges640/8€1k€4k▲

Gross operating margin9900€79k€89k▲

Operating profit (loss)9901€28k€-220▼

Financial income75/76B€1€0▼

Recurring financial income75€1€0▼

Financial charges65/66B€649€3k▲

Recurring financial charges65€649€3k▲

Profit (loss) for the period before taxes9903€27k€-3k▼

Income taxes67/77€11k€2k▼

Profit (loss) for the period9904€16k€-5k▼

Profit (loss) for the period to be appropriated9905€16k€-5k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€-4k▼

Profit (loss) brought forward from the previous period14P-€362

Transfer to equity691/2€16k€0▼

To other reserves6921€16k€0▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

25-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 25 days late

2024

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

NBB filing

Directors · office · real estate

Directors

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

Location & real-estate footprint

Registered office, Namur · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Rue du Rivage(DV) 45100 Namur

Ground area

575 m²

Building footprint

276 m²

Volume, LiDAR

2,843 m³

Parcel 92032B0118/00K000, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

THEMOSA

Rue du Rivage(DV) 4, 5100 NamurReal estate activities

since 20232.348.275.869

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92032B0118/00K000	Wallonia	575 m²	1 · 276 m²	14.1 m · 4 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

CADT legal

BE 1025.175.578

Sint-Gillis (bij-Brussel) · Eq €16,084

Marie Desmet Advocatenkantoor

BE 1014.282.775

Harelbeke · Eq €16,055

Pepinster · Eq €16,100

LVN LEGAL

BE 1030.546.410

Liedekerke · Eq €16,109

Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 5,707 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

Founded28-06-2023

Fiscal year end31-12

Activities, NACEBEL 2025

69101Activities of lawyers

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.