Thomas Maes
ActiveThomas Maes 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 €388k and a net result of €96k. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 64% of 2410 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
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 22-07-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
31 d early
2023
14 d early
2022
16 d early
2021
16 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, micro schema
Equity
€388k▲ 19.6%
2024 · €324k
2021: €73k
2022: €130k
2023: €212k
2024: €324k
2021 → 2025
Net result
€96k▼ 14.5%
2024 · €112k
2021: €60k
2022: €57k
2023: €82k
2024: €112k
2021 → 2025
Total assets
€594k▲ 0.2%
2024 · €593k
2021: €438k
2022: €500k
2023: €542k
2024: €593k
2021 → 2025
Solvency
65.2%▲ 10.6pp
2024 · 54.6%
2021: 16.6%
2022: 25.9%
2023: 39.1%
2024: 54.6%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€130k▲ 78.7%€212k▲ 63.4%€324k▲ 52.8%€388k▲ 19.6%
Operating result€89k-€85k▼ 4.3%€121k▲ 42.4%€149k▲ 23.2%€141k▼ 5.0%
Net result€60k-€57k▼ 4.9%€82k▲ 44.0%€112k▲ 36.1%€96k▼ 14.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594k
Fixed assets
€282k▼ 19.4%
Current assets
€313k▲ 28.2%
Equity and liabilities €594k
Equity
€388k▲ 19.6%
Debt
€206k▼ 23.3%
The debt ratio falls from 45.4% to 34.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
65.2%▲
2024 · 54.6%
ROE
24.7%▼
2024 · 34.6%
ROA
16.1%▼
2024 · 18.9%
Debt
€206k▼
2024 · €269k
Debt ≤ 1 year
€142k▼
2024 · €147k
Debt > 1 year
€62k▼
2024 · €121k
Income taxes
€43k▲
2024 · €35k
Staff costs
€94k▲
2024 · €59k
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€593k€594k▲
Fixed assets21/28€349k€282k▼
Intangible fixed assets21€257k€215k▼
Tangible fixed assets22/27€92k€66k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€86k€62k▼
Other tangible fixed assets26€996€760▼
Current assets29/58€244k€313k▲
Amounts receivable within one year40/41€31k€42k▲
Trade receivables40€30k€33k▲
Other amounts receivable41€807€8k▲
Current investments50/53€0-
Cash at bank and in hand54/58€208k€265k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€593k€594k▲
Equity10/15€324k€388k▲
Contributions10/11€13k€13k=
Reserves13€312k€375k▲
Distributable reserves133€312k€375k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€269k€206k▼
Amounts payable after more than one year17€121k€62k▼
Financial debts170/4€121k€62k▼
Amounts payable within one year42/48€147k€142k▼
Current portion of amounts payable after more than one year42€58k€59k▲
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Taxes, remuneration and social security45€53k€40k▼
Taxes450/3€43k€19k▼
Remuneration and social security454/9€10k€21k▲
Other amounts payable47/48€30k€35k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€59k€94k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€69k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€1k€700▼
Gross operating margin9900€274k€307k▲
Operating profit (loss)9901€149k€141k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€147k€138k▼
Income taxes67/77€35k€43k▲
Profit (loss) for the period9904€112k€96k▼
Profit (loss) for the period to be appropriated9905€112k€96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€96k▼
Transfer from equity791/2-€32k
Transfer to equity691/2€112k€96k▼
To other reserves6921€112k€96k▼
Profit to be distributed694/7-€32k
Return on contributions (dividend)694-€32k
The notes to these accounts (11 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
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €112k ▲36.1%
Operating result €149k, net result €112k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €212k ▲63.4%
3 profitable years in a row build equity to €212k.
15-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €57k ▼4.9%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €130k ▲78.7%
2 profitable years in a row build equity to €130k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Roeselare · 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.
Schierveldestraat 338800 RoeselareGround area
1,022 m²
Building footprint
296 m²
Volume, LiDAR
1,745 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Thomas Maes
since 20202.308.421.440
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32011C0703/00T002 | Flanders | 547 m² | 1 · 103 m² | 10.4 m · 2 fl. |
| 36504D0764/00C004 | Flanders | 474 m² | 1 · 193 m² | 8.7 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.
Similar companies · same sector, comparable size
Appelmans Andy
BE 0683.442.006
Ternat · Eq €387k
Zakenkantoor Tom Lagae - Debrabandere
BE 0462.509.955
Lendelede · Eq €387k
GOSSIA ASSURFINANCES
BE 0477.056.193
Orp-Jauche · Eq €387k
ZZ DEURNE
BE 0878.257.596
Antwerpen · Eq €388k
ALMAGA
BE 0797.070.477
Habay · Eq €389k
Of 1,679 companies in sector 66191 we hold annual accounts for 1,227. 1,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2020
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.