Thomas Curez
ActiveThomas Curez has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €15k. Equity is shrinking by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+85
Solvency69▲+5
Growth32=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 1.6 in 2024; short-term debt: 55.5% and cash: 43.7% of total assets), but 55.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.5%
Return on assets
12.8%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
29 d late
2023
84 d late
2022
45 d late
2021
39 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 40.3%
2024 · €38k
2021: €77k
2022: €75k
2023: €68k
2024: €38k
2021 → 2025
Total assets
€119k▲ 22.1%
2024 · €97k
2021: €132k
2022: €254k
2023: €189k
2024: €97k
2021 → 2025
Net result
€15k
2024 · €-31k
2021: €73k
2022: €-2k
2023: €-6k
2024: €-31k
2021 → 2025
Working capital
€52k▲ 43.7%
2024 · €36k
2021: €36k
2022: €45k
2023: €52k
2024: €36k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€75k▼ 3.2%€68k▼ 8.3%€38k▼ 45.0%€53k▲ 40.3%
Operating result€91k-€-2k€-6k▼ 187%€-29k▼ 424%€15k
Net result€73k-€-2k€-6k▼ 151%€-31k▼ 398%€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €29k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€1k▼ 32.0%
Current assets
€118k▲ 23.0%
Equity and liabilities €119k
Equity
€53k▲ 40.3%
Debt
€66k▲ 10.6%
The debt ratio falls from 61.3% to 55.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€17k▲
2024 · €-27k
Cash flow
€17k▲
2024 · €-29k
Solvency
44.5%▲
2024 · 38.7%
Current ratio
1.78▲
2024 · 1.60
Quick ratio
1.78▲
2024 · 1.60
Debt / equity
1.25▼
2024 · 1.58
ROE
28.7%▲
2024 · -81.9%
ROA
12.8%▲
2024 · -31.7%
Interest coverage
170.78▲
2024 · -27.92
Debt
€66k▲
2024 · €60k
Debt ≤ 1 year
€66k▲
2024 · €60k
Income taxes
€5▼
2024 · €465
Staff costs
€1k▼
2024 · €7k
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€97k€119k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€1k€196▼
Furniture and vehicles24€238€867▲
Financial fixed assets28€81€81=
Current assets29/58€96k€118k▲
Amounts receivable within one year40/41€84k€66k▼
Trade receivables40€79k€64k▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€11k€52k▲
Equity and liabilities
Total equity and liabilities10/49€97k€119k▲
Equity10/15€38k€53k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€33k€48k▲
Amounts payable17/49€60k€66k▲
Amounts payable within one year42/48€60k€66k▲
Trade debts44€23k€8k▼
Suppliers440/4€23k€8k▼
Advances received on contracts in progress46€8k€0▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€2k€157▼
Other amounts payable47/48€25k€56k▲
Income statement
Code20242025
Non-recurring operating income76A-€11k
Remuneration, social security and pensions62€7k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€815€2k▲
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€-15k€20k▲
Operating profit (loss)9901€-29k€15k▲
Financial income75/76B€10€117▲
Recurring financial income75€10€117▲
Financial charges65/66B€970€99▼
Recurring financial charges65€970€99▼
Profit (loss) for the period before taxes9903€-30k€15k▲
Income taxes67/77€465€5▼
Profit (loss) for the period9904€-31k€15k▲
Profit (loss) for the period to be appropriated9905€-31k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€48k▲
Profit (loss) brought forward from the previous period14P€63k€33k▼
The notes to these accounts (13 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 39 days late
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, Seneffe · 1 establishment unit since 2021
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.
Rue de Soudromont 477180 SeneffeGround area
139 m²
Building footprint
51 m²
Volume, LiDAR
461 m³
Parcel 52063E0216/00R003, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Thomas Curez
since 20212.320.319.281
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52063E0216/00R003 | Wallonia | 139 m² | 1 · 51 m² | 10.4 m · 3 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.
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STEYINVEST
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,050 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
68122Development of non-residential building projects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:thomascurez85@gmail.com
Phone:+32467059522