Thom Consult

Active

Private limited companyfounded 20214 yrs activeGeneraal Tombeurstraat 81, 1040 Etterbeek, BelgiumKBO/BCE: BE 0777.397.293

Thom Consult has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €-4k. Equity is shrinking by ~54% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 30% of 16759 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Watch Print / PDF

Checked score

Score 2025

30 / 100

Weak▼ -30 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency49▼-50

Growth32=

Stability94

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.82 against 2.14 in 2024), and 66.4% 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

Eight 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 62

Relative position

BE, all sectors

reference

Sector 62

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

Higher-failure-rate region

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

KBO · registered office

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 2025

Solvency, return and age of the figures

Solvency

33.6%

Return on assets

-113.4%

Age of the figures

8 mo

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year -€4k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 4 filings

Deviation from the deadline

2025

10 d late

2024

41 d late

2023

29 d late

2022

9 d late

← before the deadline after the deadline →

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 months

Position in the running window

08-09-2026 today31-12-2026 close31-07-2027 deadline

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 2025, micro schema

Equity

€1k▼ 77.2%

2024 · €5k

2022: €13k 2023: €8k 2024: €5k

2022 → 2025

Total assets

€4k▼ 57.6%

2024 · €9k

2022: €24k 2023: €8k 2024: €9k

2022 → 2025

Net result

€-4k▼ 48.1%

2024 · €-3k

2022: €12k 2023: €-4k 2024: €-3k

2022 → 2025

Working capital

€-447

2024 · €4k

2022: €8k 2024: €4k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€13k-€8k▼ 34.6%€5k▼ 34.2%€1k▼ 77.2%

Operating result€16k-€-4k€-3k▲ 38.1%€-4k▼ 37.8%

Net result€12k-€-4k€-3k▲ 35.2%€-4k▼ 48.1%

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

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €4k in 2025 against €3k in 2024; the loss grows.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €4k

45.7%

54.3%

Fixed assets €2k=

Current assets €2k▼ 71.5%

Equity and liabilities €4k

33.6%

66.4%

Equity €1k▼ 77.2%

Debt €2k▼ 25.4%

The debt ratio rises from 37.7% to 66.4%: equity shrinks faster than debt is paid down.

Key figures and ratios

2025 value · change against 2024

Solvency

33.6%▼

2024 · 62.3%

Current ratio

0.82▼

2024 · 2.14

Quick ratio

0.82▼

2024 · 2.14

Debt / equity

1.98▲

2024 · 0.61

ROE

-337.8%▼

2024 · -52.1%

ROA

-113.4%▼

2024 · -32.4%

Debt

€2k▼

2024 · €3k

Debt ≤ 1 year

€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€9k€4k▼

Fixed assets21/28€2k€2k=

Tangible fixed assets22/27€2k€2k=

Furniture and vehicles24€2k€2k=

Financial fixed assets28€135€135=

Current assets29/58€7k€2k▼

Amounts receivable within one year40/41€48-

Other amounts receivable41€48-

Cash at bank and in hand54/58€7k€2k▼

Equity and liabilities

Total equity and liabilities10/49€9k€4k▼

Equity10/15€5k€1k▼

Contributions10/11€1k€1k=

Reserves13€100€100=

Non-distributable reserves130/1€100€100=

Reserves not available under the articles1311€100€100=

Profit (loss) carried forward14€4k€140▼

Amounts payable17/49€3k€2k▼

Amounts payable within one year42/48€3k€2k▼

Other amounts payable47/48€3k€2k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k-

Gross operating margin9900€-1k€-4k▼

Operating profit (loss)9901€-3k€-4k▼

Financial charges65/66B€88€412▲

Recurring financial charges65€88€412▲

Profit (loss) for the period before taxes9903€-3k€-4k▼

Profit (loss) for the period9904€-3k€-4k▼

Profit (loss) for the period to be appropriated9905€-3k€-4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€140▼

Profit (loss) brought forward from the previous period14P€7k€4k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

10-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 10 days late

2025

10-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 41 days late

2024

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

2023

31-12

Financial Weakest financial yearnet €-4k ▼138%

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

09-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 9 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

1 act for this company is 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, Etterbeek · 1 establishment unit since 2021

exact location from the address register On OpenStreetMap

Ground area

296 m²

Building footprint

199 m²

Volume, LiDAR

2,966 m³

Parcel 21364B0194/00D006, Brussels · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

THOM CONSULT

Generaal Tombeurstraat 81, 1040 EtterbeekComputer programming, consultancy and related activities

since 20212.324.378.237

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21364B0194/00D006	Brussels	296 m²	1 · 199 m²	18.3 m · 5 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

Of 29,863 companies in sector 62200 we hold annual accounts for 18,314. 2,118 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded16-11-2021

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.