TOCG
TOCG is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €33.97M and a net result of €358k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 672 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €33.97M |
| Net result | €358k |
| Better than sector | 67% |
| Active | 3 yrs |
Mixed profile: strong on stability, weaker on health.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 66.3% | 44.8% | |
| Net result | €358k | €51k | |
| Equity | €33.97M | €1.33M | |
| Total assets | €51.19M | €5.58M |
| Fiscal year | 2024 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €358k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €51.19M |
| Equity | €33.97M |
| Debt | €17.23M |
| of which ≤ 1y | €2.72M |
| of which > 1y | €13.95M |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 66.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 0.7% |
| ROE | 1.1% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €51.19M |
| Fixed assets | 21/28 | €49.74M |
| Financial fixed assets | 28 | €49.74M |
| Current assets | 29/58 | €1.45M |
| Stocks & contracts in progress | 3 | €0 |
| Amounts receivable within one year | 40/41 | €429k |
| Cash & bank | 54/58 | €441k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €51.19M |
| Equity | 10/15 | €33.97M |
| Contributions / capital | 10/11 | €30.05M |
| Accumulated profits (losses) | 14 | €3.91M |
| Amounts payable | 17/49 | €17.23M |
| Amounts payable after one year | 17 | €13.95M |
| Amounts payable within one year | 42/48 | €2.72M |
| Trade debts payable within one year | 44 | €71k |
| Income statement | ||
| Turnover | 70 | €748k |
| Operating result | 9901 | €-43k |
| Financial income | 75 | €1.33M |
| Financial charges | 65 | €934k |
| Result before taxes | 9903 | €358k |
| Net result for the period | 9904 | €358k |
| Result to be appropriated | 9905 | €358k |
-
Current17-12-2024 → present
| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| GRANT THORNTON BEDRIJFSREVISOREN - REVISEURS D'ENTREPRISESCurrent Statutory auditor · represented by Elie Janssens |
- | 23-10-2024 → present |
| Grant Thornton Bedrijfsrevisoren BVCurrent Company auditor · represented by Elie Janssens |
- | 15-09-2025 → present |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 19-07-2022 |
| Status | Active |
| Postal code | 8500 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022G0355/00D000 | Flanders | 942 m² | 1 · 1,150 m² | - |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
10-03-2026 3 directors appointed
- GHYSEL EN DE LOMBAERDE, Dagelijks bestuur
- Gaëlle De Prêtre, Dagelijks bestuur
- Dieter Vereecke, Dagelijks bestuur
Technical details
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"name": "GHYSEL EN DE LOMBAERDE",
"address": "Kortrijksesteenweg 1099, 9051 Gent",
"country": "BE",
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"statutory": "statutair",
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"evidence_quote": "Het college van bestuurders beslist om een volmacht te verlenen aan de besloten vennootschap \u0022GHYSEL EN DE LOMBAERDE\u0022... met het recht van indeplaatsstelling om alle noodzakelijke formaliteiten te vervullen bij om het even welke administratieve diensten en overheden",
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],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2026-03-10",
"filing_date": "2026-02-04",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2026-02-04",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0788.722.440",
"name_full": "TOCG",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "org",
"org_kbo": "0433.284.251",
"org_name": "GHYSEL EN DE LOMBAERDE",
"person_name": null,
"org_rep_person_name": "Ga\u00EBlle De Pr\u00EAtre",
"person_role_at_subject": null
},
"co_filed_documents": [],
"corrected_publication_numac": null
}08-10-2025 Articles of association amended
Technical details
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},
"statute_change": {
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"seat_change": false,
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"effective_date": "2025-09-15",
"legal_form_change": false
},
"bedrijfsrevisor": {
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"firm_kbo": null,
"firm_name": "Grant Thornton Bedrijfsrevisoren BV",
"ibr_number": null,
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"subject_company": {
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},
"signature_regime": null,
"special_mandates": [],
"governance_change": {
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}
}07-10-2025 Articles of association amended
Technical details
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}03-02-2025 Articles of association amended
Technical details
{
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"signature_regime": null,
"special_mandates": [],
"governance_change": {
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}
}02-01-2025 Transaction in capital or shares
Technical details
{
"events": [],
"schema": "v3.2",
"act_meta": {
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"subject_company": {
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}
}23-10-2024 Elie Janssens appointed as statutory auditor
- Elie Janssens, Commissaris
Technical details
{
"events": [
{
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"person": {
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"kbo": "0439814826",
"name": "GRANT THORNTON Bedrijfsrevisoren",
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"evidence_quote": "De aandeelhouders besluiten om de volgende persoon te benoemen als commissaris -De vennootschap GRANT THORNTON Bedrijfsrevisoren die de rechtsvorm heeft aangenomen van een BV, met zetel in de Uitbereidingsstraat 72 bus 7, 2600 Berchem (Belgi\u00EB) en ingeschreven in de Kruispuntbank van Ondernemingen me"
}
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"subject_company": {
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}
}02-04-2024 Articles of association amended
Technical details
{
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}
}21-11-2023 Articles of association amended
Technical details
{
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"statute_change": {
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},
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}
}22-07-2022 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "8500 Kortrijk, Grote Markt 41",
"schema": "v3.2",
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"founders": [
{
"org": {
"kbo": "0445.703.716",
"name": "DAMIER"
},
"kind": "rechtspersoon",
"person": null,
"share_class": "Preferente Aandelen (3.000.000) en Gewone A Aandelen (11.400.000)",
"partner_role": null,
"holder_org_kbo": "0445.703.716",
"holder_org_name": "DAMIER",
"contribution_type": "cash",
"amount_paid_in_eur": 14400000,
"holder_person_name": null,
"is_subscriber_only": true,
"n_shares_subscribed": 14400000,
"amount_subscribed_eur": 14400000,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 14400000,
"subject_company": {
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"name_full": "TOCG",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2022-07-18",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | TOCG |