Age3 yrs
Real estate1 parcel · 1,865 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Thom Patrimoine is 0.9% (low). The 2024 annual accounts show equity of €626k and a net result of €43k. Its solvency ranks better than 95% of 4949 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 4949 peers (2024). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.9%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€151k
EBIT margin34.3%
Net result€43k+1.2%
Working capital€209k+91.2%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 10-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 99.9% | 16.7% | |
| Net result | €43k | €2k | |
| Equity | €626k | €27k | |
| Gross operating margin | €138k | €27k | |
| Total assets | €627k | €302k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€151k
-
23-24
€124k
+0.3%
far above sector median
€43k
+1.2%
far above sector median
€115k
+0.7%
far above sector median
€627k
+3.0%
+174% vs sector
€626k
+6.9%
far above sector median
€209k
+91.2%
far above sector median
€13k
+3.9%
far above sector median
€555
-97.5%
-99% vs sector
€555
-97.5%
-99% vs sector
378.31
+6360.7%
far above sector median
378.31
+6360.7%
far above sector median
99.9%
+3.8%
+82% vs sector
0.00
-97.7%
-100% vs sector
6.8%
-5.3%
far above sector median
6.8%
-1.7%
far above sector median
28.5%
-
23-24
82.5%
-
23-24
164.15
-92.4%
far above sector median
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | €151k |
| EBITDA | €124k |
| Net profit | €43k |
| Cash flow | €115k |
| Staff costs | - |
| Income taxes | €13k |
| Dividends | - |
| Total assets | €627k |
| Equity | €626k |
| Debt | €555 |
| of which ≤ 1y | €555 |
| of which > 1y | - |
| Working capital | €209k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 378.31 |
| Quick ratio | 378.31 |
| Working capital ratio | 33.4% |
| Solvency | 99.9% |
| Debt / equity | 0.00 |
| Long-term debt ratio | - |
| Interest coverage | 164.15 |
| Gross margin | 91.7% |
| Net margin | 28.5% |
| ROA | 6.8% |
| ROE | 6.8% |
| EBITDA margin | 82.5% |
| Days sales outstanding | 221d |
| Days payable outstanding | 16d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €627k |
| Fixed assets | 21/28 | €417k |
| Tangible fixed assets | 22/27 | €417k |
| Current assets | 29/58 | €210k |
| Amounts receivable within one year | 40/41 | €91k |
| Cash & bank | 54/58 | €111k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €627k |
| Equity | 10/15 | €626k |
| Contributions / capital | 10/11 | €17k |
| Reserves | 13 | €510k |
| Accumulated profits (losses) | 14 | €87k |
| Amounts payable | 17/49 | €555 |
| Amounts payable within one year | 42/48 | €555 |
| Trade debts payable within one year | 44 | €555 |
| Income statement | ||
| Turnover | 70 | €151k |
| Gross operating margin | 9900 | €138k |
| Operating result | 9901 | €52k |
| Financial income | 75 | €5k |
| Financial charges | 65 | €756 |
| Result before taxes | 9903 | €56k |
| Income taxes | 67/77 | €13k |
| Net result for the period | 9904 | €43k |
| Result to be appropriated | 9905 | €43k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed100
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationRue de Maestricht(VIS) 96, 4600 Visé
since 20232.350.105.211
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,865 m²
Buildings1
Building footprint462 m²
Volume (LiDAR)2,457 m³
Tallest building5.8 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108B0254/00H000 | Wallonia | 1,865 m² | 1 · 462 m² | 5.8 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes90
/ 100
Exceptional profile, strong across almost every axis.
Health
100
Profitability
78
Solvency
100
Growth
78
Stability
94
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameFR | Thom Patrimoine |
Registered office
Rue de Maestricht(VIS) 96
4600 Visé, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.