Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Checked score
The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 8 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 July (4 of the last 5 accounts filed within 32 days either side of that date).
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0542813978
Merger: Thomaro takes over ELEBO
The company holds all the shares of ELEBO · Bongaerts Eric Henri Joannes holds all the shares · Gazette deed
Merger proposal: THOMARO takes over ELEBO
Appointments: KRW (director) and MATTS (director) · Permanent representatives: Karolien BONGAERTS and Kim BONGAERTS · General meeting of 27-03-2023 · Gazette deed
Reappointment: BV Luk Ostyn (statutory auditor)
Permanent representative: Luk Ostyn · General meeting of 30-06-2022 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
Grey: the largest companies of the sector (financial services (NACE 64)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as Thomaro: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €16m and €24m, founded between 2011 and 2015.
Thomaro has existed since 2013. The present size dates from 2024. Turnover rose that year from €342,000 to €732,673. On 13 November 2023 Thomaro absorbed ELEBO in a merger.
Solvency fell in 2025 from 84.9% to 73.6% because of the loss.