THOM HENDRICKX is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €204k and a net result of €16k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 1463 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
1 d early
2023
43 d early
2022
3 d early
2021
46 d early
2020
44 d early
2019
38 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€204k▲ 8.3%
2024 · €189k
2018: €92k
2019: €152k
2020: €154k
2021: €165k
2022: €160k
2023: €140k
2024: €189k
2018 → 2025
Net result
€16k▼ 68.2%
2024 · €49k
2018: €32k
2019: €60k
2020: €2k
2021: €11k
2022: €-4k
2023: €-21k
2024: €49k
2018 → 2025
Total assets
€398k▲ 14.5%
2024 · €348k
2018: €191k
2019: €445k
2020: €386k
2021: €370k
2022: €328k
2023: €282k
2024: €348k
2018 → 2025
Solvency
51.3%▼ 3.0pp
2024 · 54.3%
2018: 48.2%
2019: 34.2%
2020: 39.9%
2021: 44.6%
2022: 48.9%
2023: 49.5%
2024: 54.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€160k▼ 2.7%€140k▼ 12.9%€189k▲ 35.1%€204k▲ 8.3%
Operating result€16k-€-793€-18k▼ 2,125%€53k€22k▼ 57.5%
Net result€11k-€-4k€-21k▼ 373%€49k€16k▼ 68.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €398k
Fixed assets
€198k▲ 38.7%
Current assets
€200k▼ 2.4%
Equity and liabilities €398k
Equity
€204k▲ 8.3%
Debt
€194k▲ 21.9%
The debt ratio rises from 45.7% to 48.7%. Equity and debt are higher.
Key figures and ratios
Solvency
51.3%▼
2024 · 54.3%
ROE
7.6%▼
2024 · 26.0%
ROA
3.9%▼
2024 · 14.1%
Debt
€194k▲
2024 · €159k
Debt ≤ 1 year
€74k▲
2024 · €53k
Debt > 1 year
€120k▲
2024 · €106k
Income taxes
€4k▼
2024 · €5k
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€348k€398k▲
Fixed assets21/28€143k€198k▲
Tangible fixed assets22/27€140k€196k▲
Plant, machinery and equipment23€17k€11k▼
Furniture and vehicles24€122k€184k▲
Other tangible fixed assets26€470-
Financial fixed assets28€3k€3k=
Current assets29/58€205k€200k▼
Stocks and contracts in progress3€11k€10k▼
Stocks30/36€11k€10k▼
Amounts receivable within one year40/41€39k€33k▼
Trade receivables40€36k€30k▼
Other amounts receivable41€3k€3k▲
Current investments50/53€50k€50k=
Cash at bank and in hand54/58€96k€98k▲
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€348k€398k▲
Equity10/15€189k€204k▲
Contributions10/11€22k€22k=
Reserves13€143k€167k▲
Tax-exempt reserves132€9k€9k=
Distributable reserves133€134k€158k▲
Profit (loss) carried forward14€24k€16k▼
Amounts payable17/49€159k€194k▲
Amounts payable after more than one year17€106k€120k▲
Financial debts170/4€106k€120k▲
Amounts payable within one year42/48€53k€74k▲
Current portion of amounts payable after more than one year42€39k€53k▲
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€73€30▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€46k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-689-
Other operating charges640/8€7k€7k▲
Gross operating margin9900€90k€76k▼
Operating profit (loss)9901€53k€22k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€54k€19k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€49k€16k▼
Profit (loss) for the period to be appropriated9905€49k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€40k▲
Profit (loss) brought forward from the previous period14P€-25k€24k▲
Transfer to equity691/2-€24k
To other reserves6921-€24k
The notes to these accounts (10 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €204k ▲8.3%
2 profitable years in a row build equity to €204k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €49k
Net result €49k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €189k ▲35.1%
Equity rises from €140k to €189k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity doublescurrent ratio 3.50
Current ratio from 1.69 to 3.50; short-term debt falls from €66k to €41k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €60k ▲85.9%
Operating result €64k, net result €60k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲65.2%
2 profitable years in a row build equity to €152k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
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.
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, Geel · 2 establishment units since 2008
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.
Dr.-Van de Perrestraat 3692440 GeelGround area
5,132 m²
Building footprint
2,199 m²
Volume, LiDAR
3,695 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Thom Hendrickx
since 20082.170.210.494
Zandbergen 12, 2480 Dessel
since 20232.347.734.451
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006F0004/00S006 | Flanders | 4,483 m² | 1 · 2,076 m² | 4.0 m |
| 13374F0326/00X005 | Flanders | 649 m² | 1 · 123 m² | 10.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 1,511 companies in sector 66199 we hold annual accounts for 917. 644 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2008
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
33120Repair and maintenance of machinery
43990Other specialised construction activities
43999Specialised construction activities
52250Logistics services
52290Warehousing and support activities for transportation
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
77320Rental and leasing activities
77393Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.