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TOLEMA

Active
Private limited companyfounded 20241 yr activeRue des Visons, Schaltin 16, 5364 Hamois, BelgiumKBO/BCE: BE 1017.547.618
Summary

TOLEMA has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162,761 and a net result of €156,761. Its solvency ranks better than 50% of 2067 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes
Profitability100
Solvency69
Growth-
Track record67
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days only on tighter terms
Liquidity ample (current ratio 3.36; short-term debt: 8.8% of total assets), but 55.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · 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
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · 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
44.2%
Return on assets
42.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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
32 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

On 17 December 2024, TOLEMA was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€162,761
Total assets
€368,170
Net result
€156,761
Working capital
€76,813

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

Balance-sheet composition
Assets €368,170
Fixed assets €258,822
Current assets €109,348
Equity and liabilities €368,170
Equity €162,761
Debt €205,410
Debt finances 55.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€264,309
Cash flow
€199,068
Current ratio
3.36
Debt to equity
1.26
ROE
96.3%
ROA
42.6%
Interest coverage
25.99
Debt ≤ 1 year
€32,535
Debt > 1 year
€172,874
Income taxes
€55,076

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.6%
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 74% 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 11,279 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
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€368,170
Fixed assets21/28€258,822
Intangible fixed assets21€247,289
Tangible fixed assets22/27€11,533
Furniture and vehicles24€1,107
Other tangible fixed assets26€10,426
Current assets29/58€109,348
Current investments50/53€86,445
Deferred charges and accrued income490/1€22,903
Equity and liabilities
Total equity and liabilities10/49€368,170
Equity10/15€162,761
Contributions10/11€6,000
Profit (loss) carried forward14€156,761
Amounts payable17/49€205,410
Amounts payable after more than one year17€172,874
Financial debts170/4€172,874
Amounts payable within one year42/48€32,535
Current portion of amounts payable after more than one year42€21,111
Trade debts44€1,023
Suppliers440/4€1,023
Taxes, remuneration and social security45€5,976
Taxes450/3€5,976
Other amounts payable47/48€4,425
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42,307
Other operating charges640/8€1,210
Gross operating margin9900€265,519
Operating profit (loss)9901€222,002
Financial income75/76B€3
Recurring financial income75€3
Financial charges65/66B€10,168
Recurring financial charges65€10,168
Profit (loss) for the period before taxes9903€211,837
Income taxes67/77€55,076
Profit (loss) for the period9904€156,761
Profit (loss) for the period to be appropriated9905€156,761
Appropriation of the result
Profit (loss) to be appropriated9906€156,761

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42,307
Other operating charges640/8€1,210
Gross operating margin9900€265,519
Operating profit (loss)9901€222,002
Financial income75/76B€3
Recurring financial income75€3
Financial charges65/66B€10,168
Recurring financial charges65€10,168
Profit (loss) for the period before taxes9903€211,837
Income taxes67/77€55,076
Profit (loss) for the period9904€156,761
Profit (loss) for the period to be appropriated9905€156,761
Line2025
Assets
Total assets20/58€368,170
Fixed assets21/28€258,822
Intangible fixed assets21€247,289
Tangible fixed assets22/27€11,533
Furniture and vehicles24€1,107
Other tangible fixed assets26€10,426
Current assets29/58€109,348
Current investments50/53€86,445
Deferred charges and accrued income490/1€22,903
Equity and liabilities
Total equity and liabilities10/49€368,170
Equity10/15€162,761
Contributions10/11€6,000
Profit (loss) carried forward14€156,761
Amounts payable17/49€205,410
Amounts payable after more than one year17€172,874
Financial debts170/4€172,874
Amounts payable within one year42/48€32,535
Current portion of amounts payable after more than one year42€21,111
Trade debts44€1,023
Suppliers440/4€1,023
Taxes, remuneration and social security45€5,976
Taxes450/3€5,976
Other amounts payable47/48€4,425
Line2025
Profit (loss) for the period9904€156,761
+ Depreciation and write-downs630€42,307
Operating cash flow (approximation)€199,068

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
01-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Hamois · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
3,119 m²
Building footprint
233 m²
Parcel 91116A0089/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
TOLEMA
Rue des Visons, Schaltin 16, 5364 HamoisSpecialist medical practice
since 20242.371.428.779
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91116A0089/00V000 Wallonia 3,118 m² 1 · 233 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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

Of 3,020 companies in sector 85592 we hold annual accounts for 990. 752 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
Founded17-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
85592Vocational training
85593Socio-cultural adult education
Contact
E-mail srltolema@gmail.com
Phone +32476861566Hamois
E-invoicing
Reachable via Peppol
Peppol ID 0208:1017547618
Also 9925:BE1017547618
Registered 19-08-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.