TOM
ActiveTOM has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €638k and a net result of €25k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 88% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-18
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 4.84 against 3.77 in 2024; short-term debt: 20.6% and cash: 8.2% of total assets), and 20.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
Sector 47
higher
← 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
79.4%
Return on assets
3.1%
Age of the figures
9 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
41 d early
2023
40 d early
2022
34 d early
2021
20 d early
2020
47 d early
2019
63 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€638k▲ 4.0%
2024 · €613k
2018: €183k
2019: €250k
2020: €250k
2021: €330k
2022: €449k
2023: €467k
2024: €613k
2018 → 2025
Total assets
€804k▼ 3.4%
2024 · €832k
2018: €359k
2019: €425k
2020: €406k
2021: €511k
2022: €681k
2023: €734k
2024: €832k
2018 → 2025
Net result
€25k▼ 83.1%
2024 · €147k
2018: €-38k
2019: €67k
2020: €-583
2021: €81k
2022: €118k
2023: €18k
2024: €147k
2018 → 2025
Working capital
€636k▲ 4.8%
2024 · €606k
2018: €231k
2019: €298k
2020: €294k
2021: €355k
2022: €445k
2023: €453k
2024: €606k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€330k-€449k▲ 35.8%€467k▲ 4.0%€613k▲ 31.4%€638k▲ 4.0%
Operating result€98k-€192k▲ 94.7%€29k▼ 85.1%€216k▲ 658%€37k▼ 83.0%
Net result€81k-€118k▲ 46.9%€18k▼ 84.8%€147k▲ 717%€25k▼ 83.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €804k
Fixed assets
€2k▼ 64.9%
Current assets
€801k▼ 2.9%
Equity and liabilities €804k
Equity
€638k▲ 4.0%
Debt
€166k▼ 24.2%
The debt ratio falls from 26.3% to 20.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €223k
Cash flow
€29k▼
2024 · €153k
Solvency
79.4%▲
2024 · 73.7%
Current ratio
4.84▲
2024 · 3.77
Quick ratio
1.26▲
2024 · 1.11
Debt / equity
0.26▼
2024 · 0.36
ROE
3.9%▼
2024 · 23.9%
ROA
3.1%▼
2024 · 17.6%
Interest coverage
11.22▼
2024 · 32.66
Debt
€166k▼
2024 · €219k
Debt ≤ 1 year
€166k▼
2024 · €219k
Income taxes
€14k▼
2024 · €68k
Staff costs
€40k▲
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€832k€804k▼
Fixed assets21/28€7k€2k▼
Intangible fixed assets21€764€197▼
Tangible fixed assets22/27€6k€2k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€2k-
Current assets29/58€825k€801k▼
Stocks and contracts in progress3€583k€592k▲
Stocks30/36€583k€592k▲
Amounts receivable within one year40/41€118k€140k▲
Trade receivables40€61k€21k▼
Other amounts receivable41€57k€118k▲
Cash at bank and in hand54/58€119k€66k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€832k€804k▼
Equity10/15€613k€638k▲
Contributions10/11€124k€124k=
Reserves13€489k€514k▲
Distributable reserves133€489k€514k▲
Profit (loss) carried forward14€393€460▲
Amounts payable17/49€219k€166k▼
Amounts payable within one year42/48€219k€166k▼
Trade debts44€163k€116k▼
Suppliers440/4€163k€116k▼
Taxes, remuneration and social security45€55k€50k▼
Taxes450/3€50k€37k▼
Remuneration and social security454/9€5k€12k▲
Other amounts payable47/48€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€39k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€267k€87k▼
Operating profit (loss)9901€216k€37k▼
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€214k€38k▼
Income taxes67/77€68k€14k▼
Profit (loss) for the period9904€147k€25k▼
Profit (loss) for the period to be appropriated9905€147k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€147k€25k▼
Profit (loss) brought forward from the previous period14P€293€393▲
Transfer to equity691/2€147k€25k▼
To other reserves6921€147k€25k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €147k ▲717%
Operating result €216k, net result €147k, both a record.
31-12
Financial
Equity above €500kEq €613k ▲31.4%
4 profitable years in a row build equity to €613k.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
31-12
Financial
Equity above €200kEq €250k ▲36.9%
Equity rises from €183k to €250k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 2 establishment units since 2014
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.
Vestingstraat 772018 AntwerpenGround area
893 m²
Building footprint
118 m²
Volume, LiDAR
2,020 m³
2 parcels, Flanders · tallest building 28.9 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
Tom
since 20142.232.818.254
Orianne
since 20172.261.936.763
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1171/00T005 | Flanders | 778 m² | 1 · 31 m² | 28.9 m · 10 fl. |
| 11002A1515/00C000 | Flanders | 115 m² | 1 · 87 m² | 17.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
BIJOUTERIE MEUNIER
BE 0413.801.307
Arlon · Eq €632k
JUWELIERS JEHAES
BE 0446.305.809
Sint-Truiden · Eq €632k
BIJOUTERIE LANGOHR - MILEUR
BE 0439.093.264
Verviers · Eq €646k
DK Exclusive Diamonds
BE 0562.899.512
Brugge · Eq €648k
JUWELIERS VANSCHOENWINKEL
BE 0449.597.176
Diepenbeek · Eq €652k
Of 2,017 companies in sector 47770 we hold annual accounts for 898. 587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-1994
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.