Thomas & Thomas

Active

Private limited companyfounded 20242 yrs activeRue du Sanatorium 32, 6001 Charleroi, BelgiumKBO/BCE: BE 1013.354.347

The computed 12-month bankruptcy probability of Thomas & Thomas is 2.5% (moderate). The 2025 annual accounts show equity of €12k and a net result of €11k. Its solvency ranks better than 54% of 7311 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

81 / 100

Excellent

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency77

Growth-

Stability67

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity tight (current ratio 1.32), and 53% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

47%

Return on assets

43%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 1 filing

Deviation from the deadline

2025

12 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€12k

Total assets

€25k

Net result

€11k

Working capital

€4k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €25k

30.2%

69.8%

Fixed assets €8k

Current assets €17k

Equity and liabilities €25k

47.0%

53.0%

Equity €12k

Debt €13k

Debt finances 53.0% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€16k

Cash flow

€12k

Solvency

47.0%

Current ratio

1.32

Quick ratio

1.32

Debt / equity

1.13

ROE

91.5%

ROA

43.0%

Interest coverage

277.93

Debt

€13k

Debt ≤ 1 year

€13k

Income taxes

€4k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€25k

Fixed assets21/28€8k

Tangible fixed assets22/27€5k

Other tangible fixed assets26€5k

Financial fixed assets28€3k

Current assets29/58€17k

Amounts receivable within one year40/41€7k

Trade receivables40€3k

Other amounts receivable41€4k

Cash at bank and in hand54/58€11k

Equity and liabilities

Total equity and liabilities10/49€25k

Equity10/15€12k

Contributions10/11€1k

Profit (loss) carried forward14€11k

Amounts payable17/49€13k

Amounts payable within one year42/48€13k

Trade debts44€6k

Suppliers440/4€6k

Taxes, remuneration and social security45€4k

Taxes450/3€4k

Other amounts payable47/48€3k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k

Other operating charges640/8€387

Non-recurring operating charges66A€19

Gross operating margin9900€16k

Operating profit (loss)9901€14k

Financial charges65/66B€56

Recurring financial charges65€56

Profit (loss) for the period before taxes9903€14k

Income taxes67/77€4k

Profit (loss) for the period9904€11k

Profit (loss) for the period to be appropriated9905€11k

Appropriation of the result

Profit (loss) to be appropriated9906€11k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 1Filings 1

2026

12-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 12 days late

NBB filing

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

29-12-2025 DERBAUDRENGHIEN Christophe Jean-Pierre: Resigned as Director

29-12-2025 SOUMILLON Thomas Martin Germain: Resigned as Director

Location & real-estate footprint

Registered office, Charleroi · 1 establishment unit since 2024

establishment The establishment unit on the map

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 du Sanatorium 326001 Charleroi

Ground area

343 m²

Building footprint

239 m²