Thomai
ActiveSummary
The computed 12-month bankruptcy probability of Thomai is 3.8% (moderate). The 2025 annual accounts show equity of €162k and a net result of €-3k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 3674 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-6
Solvency50▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.83 in 2024; short-term debt: 12.1% and cash: 11.9% of total assets), but 74.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 04-07-2026, 27 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
27 d early
2024
31 d early
2023
32 d early
2022
42 d early
2021
37 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€162k▼ 2.1%
2024 · €166k
2021: €85k
2022: €108k
2023: €142k
2024: €166k
2021 → 2025
Total assets
€642k▼ 8.4%
2024 · €701k
2021: €806k
2022: €798k
2023: €737k
2024: €701k
2021 → 2025
Net result
€-3k
2024 · €24k
2021: €48k
2022: €23k
2023: €34k
2024: €24k
2021 → 2025
Working capital
€40k▼ 33.4%
2024 · €60k
2021: €49k
2022: €42k
2023: €60k
2024: €60k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€108k▲ 27.5%€142k▲ 31.3%€166k▲ 16.8%€162k▼ 2.1%
Operating result€70k-€42k▼ 39.4%€60k▲ 41.2%€36k▼ 39.3%€2k▼ 93.4%
Net result€48k-€23k▼ 51.2%€34k▲ 45.2%€24k▼ 29.5%€-3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €642k
Fixed assets
€525k ▼ 7.9%
Current assets
€117k ▼ 10.8%
Equity and liabilities €642k
Equity
€162k ▼ 2.1%
Debt
€479k ▼ 10.4%
Debt's share of the balance-sheet total falls from 76.4% to 74.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€47k▼
2024 · €83k
Cash flow
€42k▼
2024 · €70k
Current ratio
1.51▼
2024 · 1.83
Quick ratio
1.49▼
2024 · 1.72
Debt to equity
2.95▼
2024 · 3.23
ROE
-2.1%▼
2024 · 14.4%
ROA
-0.5%▼
2024 · 3.4%
Interest coverage
5.82▼
2024 · 9.09
Debt ≤ 1 year
€78k▲
2024 · €72k
Debt > 1 year
€397k▼
2024 · €461k
Income taxes
€132▼
2024 · €10k
Staff costs
€34k▲
2024 · €32k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€701k€642k▼
Fixed assets21/28€570k€525k▼
Intangible fixed assets21€31k€26k▼
Tangible fixed assets22/27€538k€498k▼
Land and buildings22€491k€477k▼
Plant, machinery and equipment23€25k€7k▼
Furniture and vehicles24€22k€14k▼
Current assets29/58€131k€117k▼
Stocks and contracts in progress3€8k€2k▼
Stocks30/36€8k€2k▼
Amounts receivable within one year40/41€38k€36k▼
Trade receivables40€1k-
Other amounts receivable41€37k€36k▼
Cash at bank and in hand54/58€83k€77k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€701k€642k▼
Equity10/15€166k€162k▼
Contributions10/11€40k€40k=
Reserves13€126k€126k=
Distributable reserves133€126k€126k=
Profit (loss) carried forward14-€-3k
Amounts payable17/49€535k€479k▼
Amounts payable after more than one year17€461k€397k▼
Financial debts170/4€325k€276k▼
Other amounts payable178/9€136k€121k▼
Amounts payable within one year42/48€72k€78k▲
Current portion of amounts payable after more than one year42€49k€49k▼
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Taxes, remuneration and social security45€14k€21k▲
Taxes450/3€12k€11k▼
Remuneration and social security454/9€2k€9k▲
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€32k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€45k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€116k€83k▼
Operating profit (loss)9901€36k€2k▼
Financial income75/76B€7k€2k▼
Recurring financial income75€7k€2k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€34k€-3k▼
Income taxes67/77€10k€132▼
Profit (loss) for the period9904€24k€-3k▼
Profit (loss) for the period to be appropriated9905€24k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-3k▼
Transfer to equity691/2€24k-
To other reserves6921€24k-
Social balance
Average headcount (FTE)90870.92.0▲
The notes to these accounts (17 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-3k ▼114%
Net result drops to €-3k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €166k ▲16.8%
4 profitable years in a row build equity to €166k.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €108k ▲27.5%
2 profitable years in a row build equity to €108k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kluisbergen · 1 establishment unit since 2020
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.
Kwaremontplein 139690 KluisbergenGround area
426 m²
Building footprint
212 m²
Volume, LiDAR
1,186 m³
Parcel 45018A0104/00C000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
in de zon
since 20202.310.850.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45018A0104/00C000 | Flanders | 426 m² | 1 · 212 m² | 11.1 m · 2 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 795 EUR awarded · 795 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 795 EUR | 795 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteKluisbergen2.310.850.202
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 8,940 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
Founded09-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.