Equity
€157,683 ▲ 90.1%
Equity rose in 2025 from €82,928 to €157,683.
TMO SOLUTIONS
Overview
Lifetime
2 annual accounts with figures on one time axispeak €108,648 (2024)
€95,350▼ 12.2%
peak €82,828 (2024)
€75,588▼ 8.7%
peak €157,683 (2025)
€157,683▲ 90.1%
€12,854▼ 16.4%
Board1 name since 2023
1 directorMORTIER Tor Jozef Sabine
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from €108,648 to €95,350Dividend €833Equity from €82,928 to €157,683Debts from €15,380 to €12,854Cash from €55,796 to €116,117
Key points
from the 2025 annual accountsLiquidity
13.24 was 6.34 in 2024
Short-term debts fell from €15,380 to €12,854.
Position in the sector
92.5%
Higher solvency than 91% of companies in computer programming and consultancy. Sector median 60.0% · 21,206 companies.
Checked score
98
Excellent
Financially stronger than 88% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.5%▲ +0.1 percentage points vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025highest value
06-2025: 0.5%● unchanged vs 05-2025
07-2025: < 0.1%▼ -0.5 percentage points vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 13.24, cash €116,117
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €157,683 (92.5% of total assets)
Size: total assets €170,537
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 82% on profitability and 88% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as TMO SOLUTIONS has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TMO SOLUTIONS itself is lower: < 0.1% within 12 months. It rests on far more data about TMO SOLUTIONS than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for TMO SOLUTIONS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 13.24 (6.34 in 2024), above the usual 1.5. Short-term debt is 7.5% and cash 68.1% of total assets. 7.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 26-06-2026, 35 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
35 days early
2024
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 42 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0805581832
Incorporation
Founding capital of €100, 100 shares · Founder: MORTIER Tor Jozef Sabine · Appointment: MORTIER Tor Jozef Sabine (director) · published on 11-09-2023 · Gazette deed
First establishment
Kloosterstraat 4, Aalter
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TMO SOLUTIONS Aalter | €170,537 | €95,350 | 92.5% | - |
| Het Codehuis Aalst | €180,732 | €98,088 | 85.3% | - |
| Strive IT Zele | €172,030 | €97,951 | 80.8% | - |
| VersaMinds Dendermonde | €164,123 | €100,677 | 92.7% | - |
| Ctrl VS Merelbeke-Melle | €160,067 | €93,804 | 74.7% | - |
| Debot Consultancy & IT Solutions Lebbeke | €162,615 | €98,466 | 85.6% | - |
| Parmentier Consulting Ghent | €176,231 | €100,996 | 81.6% | - |
These companies have the same main activity as TMO SOLUTIONS: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €160,000 and €181,000, founded in 2023.
Official details
Source: KBO- Status
- Active since 07-09-2023Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.349.345.1469910 Aalter, since 07-09-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 06-03-2025
Annual accounts 2025
- €95,350▼ 12.2%
- ≈ €180,000estimated
- €75,588▼ 8.7%
- €157,683▲ 90.1%
- €170,537▲ 73.5%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on TMO SOLUTIONS
TMO SOLUTIONS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157,683 and a net result of €75,588.
Its solvency ranks better than 91% of 21,206 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 26-06-2026, 35 days before the deadline€95,350
▼ 12.2%
€94,807
▼ 12.0%
€75,588
▼ 8.7%
€157,339
▲ 91.6%
92.5%
▲ 8.1 percentage points
13.24
▲ 6.90
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €180,000. Estimated: probably between €160,000 and €240,000.
Balance sheet
balance sheet total €170,537 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
92.5%
Higher than 91% of 21,206 companies in 2025.
13.24
Higher than 92% of 20,569 companies in 2025.
44.3%
Higher than 81% of 20,744 companies in 2025.
TMO SOLUTIONS
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
170,537 | 98,308 | |
21/28 |
343 | 824 | |
22/27 |
343 | 824 | |
23 |
343 | 824 | |
29/58 |
170,194 | 97,485 | |
40/41 |
30,883 | 30,492 | |
40 |
30,492 | 30,492 | |
41 |
391 | - | |
50/53 |
21,000 | 9,000 | |
54/58 |
116,117 | 55,796 | |
490/1 |
2,194 | 2,197 | |
| Balance sheet: equity and liabilities | |||
10/49 |
170,537 | 98,308 | |
10/15 |
157,683 | 82,928 | |
10/11 |
100 | 100 | |
13 |
157,583 | 82,828 | |
133 |
157,583 | 82,828 | |
14 |
0 | - | |
17/49 |
12,854 | 15,380 | |
42/48 |
12,854 | 15,380 | |
44 |
2,393 | 2,663 | |
440/4 |
2,393 | 2,663 | |
45 |
8,067 | 11,900 | |
450/3 |
8,067 | 11,900 | |
47/48 |
2,395 | 818 | |
| Income statement | |||
9900 |
95,350 | 108,648 | |
630 |
480 | 617 | |
640/8 |
63 | 297 | |
9901 |
94,807 | 107,734 | |
75/76B |
632 | - | |
75 |
632 | - | |
65/66B |
52 | 2,346 | |
65 |
52 | 2,346 | |
9903 |
95,387 | 105,388 | |
67/77 |
19,799 | 22,560 | |
9904 |
75,588 | 82,828 | |
9905 |
75,588 | 82,828 | |
| Appropriation of the result | |||
9906 |
75,588 | 82,828 | |
691/2 |
74,755 | 82,828 | |
6921 |
74,755 | 82,828 | |
694/7 |
833 | - | |
694 |
833 | - | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 26-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 95,287 | 108,351 | ||
| 76,068 | 83,445 | ||
| 0 | 1,441 | ||
| 60,321 | - | ||
| 157,339 | 82,104 | ||
| 92.5% | 84.4% | ||
| 13.24 | 6.34 | ||
| 0.08 | 0.19 | ||
| 47.9% | 99.9% | ||
| 44.3% | 84.3% | ||
| over 100 | 46.19 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | - | €1,441 |
| €480 | €617 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on TMO SOLUTIONS
The operating result for 2025 is 12% lower than in 2024.
Debt's share of the balance-sheet total falls from 15.6% to 7.5%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 07-09-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 26-06-2026
Mandates through the years
1 name, the dashed line is todayMORTIER Tor Jozef Sabine
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- MORTIER Tor Jozef Sabine
- Director (not named in the articles), from 07-09-2023 to date
Control
Capital
- Contribution
- €100
- Shares
- 100
- Contribution per share
- €1
- Equity per share
- €1,577 in 2025
- Source
- deed of 11-09-2023
Articles of association
deed of 11-09-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Elke bestuurder kan bijzondere volmachten geven aan eenieder, bestuursorgaan bevoegd voor alle handelingen behalve voorbehouden aan algemene…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 19:00
Shareholders
At incorporation
deed of 11-09-2023 ↗
- MORTIER Tor Jozef Sabine 100 shares (100%) · €100
Network & group
No group
TMO SOLUTIONS has no parent and no holdings in its annual accounts. MORTIER Tor Jozef Sabine is the only director. TMO SOLUTIONS shares no director with another company.
Timeline
Timeline
7 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 35 days before the deadline
2025
Liquidity more than doubled current ratio 13.24 The current ratio rises from 6.34 to 13.24. Short-term debt falls from €15,380 to €12,854.
Equity above €150,000 equity €157,683 ▲90.1% With a profit in every financial year since 2024, equity grows to €157,683.
Annual accounts 2024 filed PDFmicro format · 49 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0805581832
2023
IncorporationFounding capital of €100, 100 shares · Founder: MORTIER Tor Jozef Sabine · Appointment: MORTIER Tor Jozef Sabine (director) · published on 11-09-20233 points ▸
- Founder, MORTIER Tor Jozef Sabine
- Founding capital, €100, 100 shares
- Director appointment, MORTIER Tor Jozef Sabine (director (not named in the articles))
- The deed holds 1 more point.
First establishment Kloosterstraat 4, Aalter
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 7 September 2023, TMO SOLUTIONS was incorporated as a private limited company by one natural person, with a starting capital of €100.12 MORTIER Tor Jozef Sabine has served as director since 2023.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 0805.581.832
- VAT number
- BE 0805.581.832
- Peppol ID
- 0208:0805581832
- Other Peppol ID
- 9925:BE0805581832
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 07-09-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 19:00deed of 11-09-2023 (in Dutch)
- Peppol
- Reachable since 06-03-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- TMO SOLUTIONS in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 11-09-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Kloosterstraat 4/101, 9910 Aalter (Knesselare)”deed of 11-09-2023 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
Codes under NACEBEL 2008
62020
IT consultancy main activity
62090
Computer programming, consultancy and related activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het ontwikkelen van software en ICT diensten en de verkoop,verhuur of leasing van softwarelicenties voor eigen rekening en/of voor…”deed of 11-09-2023 (in Dutch)
21 activities
- Het ontwikkelen van software en ICT diensten en de verkoop,verhuur of leasing van softwarelicenties voor eigen rekening en/of voor rekeningen van derden.
- Het leveren van ICT diensten,ICT consultancy diensten en ICT opleidingen.Het maken van studies,het voorbereiden en op gang brengen van organisatiesystemen.
- Het in toepassing brengen van gegevensverwerking en alle technieken in verband met technisch,administratie,economisch en algemeen beheer van ondernemingen.
- Het verwezenlijken,het in werking stellen,het commercialiseren van allerhande diensten op informatica en telecommunicatie,digitale media en van de programma's die hierop op betrekking hebben.
- Webdesign en het ontwerp van websites en of digitale platformen.
- Het ontwikkelen van data platformen en of producten alsook het analyseren van data.
- Het ontwikkelen van IoT(Internet of Things)platformen,en of producten.
- Het onderhoud en de ontwikkeling van alle materiaal op informatica,telecommunicatie- en digitale media vlak.
- Het sluiten van studiecontracten met betrekking tot de industriële ontwikkeling,de bedrijfsorganisatie en alle technische raadgevingen op het vlak van de informatica en telecommunicatie en digitale media;
- Het drukken en verspreiden van studies,commentaren en informatie met betrekking tot de informatica,telecommunicatie en digitale media.
- Het schrijven van boeken,het geven en schrijven van cursussen en het opstellen,ontwerpen en aanleren van allerhande ICT toepassingen.
- Het ter beschikking stellen van specialisten aan derden.
- Alle handelingen,in de ruimste zin van het woord,met betrekking tot het leveren van diensten inzake gesproken en niet-gesproken woord en communicatie:
- Alle verrichtingen in verband met het samenstellen,ontwerpen en uitgeven van boeken,magazines,tijdschriften,kranten,catalogi en andere uitgaven op eender welke drager,al of niet in periodieke vorm;
- Het verstrekken van alle vormen van diensten aan ondernemingen,zich situerend op het vlak van consultancy en communicatie;
- Het creatief ontwikkelen en opvolgen van communicatie;
- Het verzorgen van opleidingen,beurzen,seminaries en/of publicaties;
- Het coachen en aansturen van teams;
- Het verwerven van licenties,brevetten en octrooien,alle rechten op knowhow en ontwikkelde procedés.
- Management en consultancy.
- Les geven en opleiding voor zaal- en buitensporten.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Kloosterstraat 4 registered office 9910 Aalter | 07-09-2023 | 2.349.345.146 |
Buildings and parcels at the address
- Ground area
- 439 m²
- Buildings
- 129 m²
- Volume, LiDAR
- 569 m³
- Tallest building
- 9.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 44029A0970/00A000 | 439 m² | 1 · 129 m² | 9.3 m · 1 |