THOMOB
ActiveSummary
The computed 12-month bankruptcy probability of THOMOB is 2.0% (moderate). The 2025 annual accounts show equity of €318,922 and a net result of €44,909. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 10519 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-7
Solvency44▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.67 in 2024; short-term debt: 65.4% and cash: 34.1% of total assets), and 80.8% of the assets are financed with debt.
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Signals
Five 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
19.2%
Return on assets
2.7%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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 · 5 filingsDeviation from the deadline
2025
3 d late
2024
4 d late
2023
2 d late
2022
16 d late
2021
1 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 5 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 3 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€318,922▲ 16.4%
2024 · €274,013
Total assets
€1.7m▲ 25.9%
2024 · €1.3m
Net result
€44,909▼ 48.1%
2024 · €86,572
Working capital
€395,123▼ 19.5%
2024 · €490,676
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€167,641-€91,730▼ 45.3%€146,546▲ 59.8%€124,576▼ 15.0%€73,469▼ 41.0%
Net result€131,615above the sector's middle half-€71,268within the sector's middle half▼ 45.9%€104,558within the sector's middle half▲ 46.7%€86,572within the sector's middle half▼ 17.2%€44,909within the sector's middle half▼ 48.1%
Equity€141,615within the sector's middle half-€212,883within the sector's middle half▲ 50.3%€317,440within the sector's middle half▲ 49.1%€274,013within the sector's middle half▼ 13.7%€318,922within the sector's middle half▲ 16.4%
Total assets€743,161within the sector's middle half-€904,162within the sector's middle half▲ 21.7%€1.1mwithin the sector's middle half▲ 24.2%€1.3mwithin the sector's middle half▲ 17.4%€1.7mabove the sector's middle half▲ 25.9%
Debt€601,546-€691,279▲ 14.9%€805,568▲ 16.5%€1.0m▲ 29.6%€1.3m▲ 28.3%
Working capital€275,345within the sector's middle half-€436,115within the sector's middle half▲ 58.4%€428,651within the sector's middle half▼ 1.7%€490,676within the sector's middle half▲ 14.5%€395,123within the sector's middle half▼ 19.5%
Solvency19.1%within the sector's middle half-23.5%within the sector's middle half▲ 4.5pp28.3%within the sector's middle half▲ 4.7pp20.8%within the sector's middle half▼ 7.5pp19.2%within the sector's middle half▼ 1.6pp
Current ratio1.70within the sector's middle half-2.14within the sector's middle half▲ 0.441.69within the sector's middle half▼ 0.451.67within the sector's middle half▼ 0.021.36within the sector's middle half▼ 0.30
Return on assets (ROA)17.7%above the sector's middle half-7.9%within the sector's middle half▼ 9.8pp9.3%within the sector's middle half▲ 1.4pp6.6%within the sector's middle half▼ 2.7pp2.7%within the sector's middle half▼ 3.9pp
Staff (FTE)1below the sector's middle half1.2below the sector's middle half▲ 20.0%1.9within the sector's middle half▲ 58.3%3.6within the sector's middle half▲ 89.5%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€179,498 ▲ 98.4%
Current assets
€1.5m ▲ 20.5%
Equity and liabilities €1.7m
Equity
€318,922 ▲ 16.4%
Debt
€1.3m ▲ 28.3%
Debt's share of the balance-sheet total rises from 79.2% to 80.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€120,323▼
2024 · €166,794
Cash flow
€91,763▼
2024 · €128,791
Quick ratio
0.72▼
2024 · 0.89
Debt to equity
4.20▲
2024 · 3.81
ROE
14.1%▼
2024 · 31.6%
Interest coverage
5.69▼
2024 · 8.76
Debt ≤ 1 year
€1.1m▲
2024 · €737,083
Debt > 1 year
€255,700▼
2024 · €305,303
Income taxes
€12,244▼
2024 · €23,433
Staff costs
€181,123▲
2024 · €94,987
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,273 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.1%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,273 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €7,670 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €14,087 | €54,402 | €94,987 | €181,123 | ▲ 90.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,018 | €26,202 | €33,113 | €42,219 | €46,854 | ▲ 11.0% |
| Other operating charges640/8 | - | €6,449 | €4,275 | €5,094 | €7,312 | ▲ 43.5% |
| Gross operating margin9900 | €197,610 | €138,468 | €238,336 | €266,875 | €308,758 | ▲ 15.7% |
| Operating profit (loss)9901 | €167,641 | €91,730 | €146,546 | €124,576 | €73,469 | ▼ 41.0% |
| Financial income75/76B | - | €155 | - | €4,473 | €4,826 | ▲ 7.9% |
| Recurring financial income75 | €502 | €155 | - | €4,473 | €4,826 | ▲ 7.9% |
| Financial charges65/66B | - | €4,427 | €13,189 | €19,043 | €21,142 | ▲ 11.0% |
| Recurring financial charges65 | €2,480 | €4,427 | €13,189 | €19,043 | €21,142 | ▲ 11.0% |
| Profit (loss) for the period before taxes9903 | €165,662 | €87,458 | €133,357 | €110,006 | €57,153 | ▼ 48.0% |
| Income taxes67/77 | €34,047 | €16,191 | €28,799 | €23,433 | €12,244 | ▼ 47.8% |
| Profit (loss) for the period9904 | €131,615 | €71,268 | €104,558 | €86,572 | €44,909 | ▼ 48.1% |
| Profit (loss) for the period to be appropriated9905 | €131,615 | €71,268 | €104,558 | €86,572 | €44,909 | ▼ 48.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €743,161 | €904,162 | €1.1m | €1.3m | €1.7m | ▲ 25.9% |
| Fixed assets21/28 | €75,230 | €84,756 | €69,209 | €90,490 | €179,498 | ▲ 98.4% |
| Intangible fixed assets21 | €931 | €19,134 | €21,174 | €28,086 | €13,662 | ▼ 51.4% |
| Tangible fixed assets22/27 | €74,299 | €65,622 | €48,035 | €62,405 | €150,836 | ▲ 142% |
| Land and buildings22 | - | €26,363 | €19,085 | €28,323 | €59,102 | ▲ 109% |
| Plant, machinery and equipment23 | - | €17,930 | €14,607 | €10,005 | €19,456 | ▲ 94.5% |
| Furniture and vehicles24 | - | €21,329 | €14,343 | €24,077 | €72,277 | ▲ 200% |
| Financial fixed assets28 | - | - | - | - | €15,000 | - |
| Current assets29/58 | €667,931 | €819,406 | €1.1m | €1.2m | €1.5m | ▲ 20.5% |
| Stocks and contracts in progress3 | €343,323 | €449,398 | €703,022 | €569,371 | €694,803 | ▲ 22.0% |
| Stocks30/36 | - | €449,398 | €703,022 | €569,371 | €694,803 | ▲ 22.0% |
| Amounts receivable within one year40/41 | €71,315 | €171,407 | €150,315 | €281,389 | €213,078 | ▼ 24.3% |
| Trade receivables40 | - | €117,274 | €100,486 | €176,371 | €168,629 | ▼ 4.4% |
| Other amounts receivable41 | - | €54,133 | €49,829 | €105,017 | €44,449 | ▼ 57.7% |
| Cash at bank and in hand54/58 | €253,293 | €195,392 | €199,534 | €372,481 | €565,453 | ▲ 51.8% |
| Deferred charges and accrued income490/1 | - | €3,208 | €928 | €4,518 | €6,270 | ▲ 38.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €743,161 | €904,162 | €1.1m | €1.3m | €1.7m | ▲ 25.9% |
| Equity10/15 | €141,615 | €212,883 | €317,440 | €274,013 | €318,922 | ▲ 16.4% |
| Contributions10/11 | - | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €131,615 | €202,883 | €307,440 | €264,013 | €308,922 | ▲ 17.0% |
| Distributable reserves133 | - | €202,883 | €307,440 | €264,013 | €308,922 | ▲ 17.0% |
| Amounts payable17/49 | €601,546 | €691,279 | €805,568 | €1.0m | €1.3m | ▲ 28.3% |
| Amounts payable after more than one year17 | €205,224 | €307,989 | €180,419 | €305,303 | €255,700 | ▼ 16.2% |
| Financial debts170/4 | - | €307,989 | €180,419 | €305,303 | €255,700 | ▼ 16.2% |
| Amounts payable within one year42/48 | €392,586 | €383,290 | €625,149 | €737,083 | €1.1m | ▲ 47.1% |
| Current portion of amounts payable after more than one year42 | - | €190,080 | €170,413 | €59,658 | €49,604 | ▼ 16.9% |
| Trade debts44 | €330,702 | €163,210 | €390,492 | €492,938 | €980,667 | ▲ 98.9% |
| Suppliers440/4 | - | €163,210 | €390,492 | €492,938 | €980,667 | ▲ 98.9% |
| Advances received on contracts in progress46 | - | €13,630 | €19,443 | - | - | - |
| Taxes, remuneration and social security45 | - | €16,371 | €44,801 | €54,487 | €54,210 | ▼ 0.5% |
| Taxes450/3 | - | €16,371 | €41,335 | €38,932 | €24,957 | ▼ 35.9% |
| Remuneration and social security454/9 | - | - | €3,466 | €15,555 | €29,253 | ▲ 88.1% |
| Other amounts payable47/48 | - | - | - | €130,000 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €1,850 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €131,615 | €71,268 | €104,558 | €86,572 | €44,909 | ▼ 48.1% |
| + Depreciation and write-downs630 | €26,018 | €26,202 | €33,113 | €42,219 | €46,854 | ▲ 11.0% |
| Operating cash flow (approximation) | €157,634 | €97,470 | €137,671 | €128,791 | €91,763 | ▼ 28.8% |
| Investment in fixed assets (approximation) | - | -€35,728 | -€17,565 | -€63,500 | -€135,861 | ▼ 114% |
| Change in cash | - | -€57,901 | €4,142 | €172,947 | €192,972 | ▲ 11.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
30-06
Financial
Weakest financial yearnet €44,909 ▼48.1%
Net result drops to €44,909, the lowest in the series.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
02-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2023
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 16 days late
2022
30-06
Financial
Equity above €200,000Eq €212,883 ▲50.3%
2 profitable years in a row build equity to €212,883.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Harelbeke · 2 establishment units since 2019
Ground area
4,355 m²
Building footprint
2,511 m²
Volume, LiDAR
10,003 m³
2 parcels, Flanders · tallest building 13.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
THOMOB
since 20192.296.970.490
CUBE STORE FLANDERS
since 20242.365.888.495
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31522B0330/00D000 | Flanders | 3,416 m² | 1 · 1,511 m² | 8.9 m · 2 fl. |
| 34323D1596/00R004 | Flanders | 939 m² | 1 · 1,000 m² | 13.2 m |
Linked by address, not proof of ownership
Good to know
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
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PROVAN
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HENY
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W-BIKES
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Of 1,465 companies in sector 47632 we hold annual accounts for 733. 612 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-12-2019
Fiscal year end30-06
Activities, NACEBEL 2025
47632Retail sale of bicycles
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95290Repair and maintenance of other personal and household goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0739780891
Also
9925:BE0739780891
Registered
25-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.