TOM@
ActiveTOM@ has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.23M and a net result of €1.54M. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 475 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▲+38
Growth67▼-11
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €400k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.29 in 2024), but 54.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
45.3%
Return on assets
16.5%
Age of the figures
8 mo
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
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
23 d early
2023
36 d early
2022
46 d early
2021
59 d early
2020
37 d early
2019
36 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€8.52M▲ 3.9%
2024 · €8.20M
2024: €8.20M
2024 → 2025
EBIT margin
25.8%▼ 1.8pp
2024 · 27.5%
2024: 27.5%
2024 → 2025
Net result
€1.54M▼ 3.6%
2024 · €1.60M
2018: €156k
2019: €71k
2020: €-273k
2021: €336k
2022: €127k
2023: €165k
2024: €1.60M
2018 → 2025
Working capital
€2.08M▲ 171%
2024 · €769k
2018: €-351k
2019: €604k
2020: €209k
2021: €502k
2022: €477k
2023: €-762k
2024: €769k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€8.20M€8.52M▲ 3.9%
Equity€1.06M-€1.19M▲ 11.9%€1.36M▲ 13.9%€2.95M▲ 118%€4.23M▲ 43.3%
Operating result€338k-€236k▼ 30.4%€193k▼ 18.2%€2.26M▲ 1,072%€2.19M▼ 2.8%
Net result€336k-€127k▼ 62.3%€165k▲ 30.4%€1.60M▲ 865%€1.54M▼ 3.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.33M
Fixed assets
€5.42M▼ 19.2%
Current assets
€3.91M▲ 13.4%
Equity and liabilities €9.33M
Equity
€4.23M▲ 43.3%
Debt
€5.10M▼ 29.2%
The debt ratio falls from 70.9% to 54.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€3.63M▲
2024 · €3.61M
Cash flow
€2.97M▲
2024 · €2.95M
Solvency
45.3%▲
2024 · 29.1%
Current ratio
2.14▲
2024 · 1.29
Quick ratio
1.85▲
2024 · 1.11
Debt / equity
1.21▼
2024 · 2.44
ROE
36.4%▼
2024 · 54.0%
ROA
16.5%▲
2024 · 15.7%
Interest coverage
20.60▲
2024 · 19.83
Debt
€5.10M▼
2024 · €7.20M
Debt ≤ 1 year
€1.82M▼
2024 · €2.68M
Debt > 1 year
€3.27M▼
2024 · €4.52M
Income taxes
€508k▲
2024 · €502k
Staff costs
€2.27M▲
2024 · €2.15M
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€10.15M€9.33M▼
Fixed assets21/28€6.71M€5.42M▼
Intangible fixed assets21€923k€690k▼
Tangible fixed assets22/27€5.78M€4.73M▼
Land and buildings22€3.04M€2.60M▼
Plant, machinery and equipment23€2.63M€2.01M▼
Furniture and vehicles24€112k€112k▼
Financial fixed assets28€764€764=
Other financial fixed assets284/8€764€764=
Amounts receivable and cash guarantees285/8€764€764=
Current assets29/58€3.45M€3.91M▲
Stocks and contracts in progress3€488k€524k▲
Stocks30/36€488k€524k▲
Goods purchased for resale34€488k€524k▲
Amounts receivable within one year40/41€844k€958k▲
Trade receivables40€563k€549k▼
Other amounts receivable41€281k€409k▲
Current investments50/53€242k€242k=
Other investments51/53€242k€242k=
Cash at bank and in hand54/58€1.83M€2.13M▲
Deferred charges and accrued income490/1€45k€52k▲
Equity and liabilities
Total equity and liabilities10/49€10.15M€9.33M▼
Equity10/15€2.95M€4.23M▲
Contributions10/11€231k€231k=
Reserves13€2.72M€4.00M▲
Tax-exempt reserves132€1,000k€1.63M▲
Distributable reserves133€1.72M€2.37M▲
Amounts payable17/49€7.20M€5.10M▼
Amounts payable after more than one year17€4.52M€3.27M▼
Financial debts170/4€4.52M€3.27M▼
Credit institutions173€4.17M€3.27M▼
Other loans174€353k€0▼
Amounts payable within one year42/48€2.68M€1.82M▼
Current portion of amounts payable after more than one year42€1.32M€899k▼
Trade debts44€574k€409k▼
Suppliers440/4€574k€409k▼
Taxes, remuneration and social security45€276k€257k▼
Taxes450/3€22k€22k▲
Remuneration and social security454/9€253k€234k▼
Other amounts payable47/48€509k€260k▼
Income statement
Code20242025
Operating income70/76A€8.29M€8.67M▲
Turnover70€8.20M€8.52M▲
Other operating income74€87k€158k▲
Non-recurring operating income76A€6k€0▼
Operating charges60/66A€6.03M€6.48M▲
Goods for resale, raw materials and consumables60€1.51M€1.93M▲
Purchases600/8€1.27M€1.97M▲
Change in stocks: decrease (increase)609€245k€-36k▼
Services and other goods61€965k€789k▼
Remuneration, social security and pensions62€2.15M€2.27M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.35M€1.43M▲
Other operating charges640/8€52k€52k▲
Non-recurring operating charges66A€0-
Operating profit (loss)9901€2.26M€2.19M▼
Financial income75/76B€10k€27k▲
Recurring financial income75€10k€27k▲
Income from current assets751€4k€3k▼
Other financial income752/9€5k€24k▲
Financial charges65/66B€170k€176k▲
Recurring financial charges65€170k€176k▲
Debt charges650€182k€176k▼
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-12k€0▲
Other financial charges652/9€0€9▲
Profit (loss) for the period before taxes9903€2.10M€2.05M▼
Income taxes67/77€502k€508k▲
Taxes670/3€502k€508k▲
Profit (loss) for the period9904€1.60M€1.54M▼
Transfer to tax-exempt reserves689€1,000k€632k▼
Profit (loss) for the period to be appropriated9905€595k€906k▲
Appropriation of the result
Profit (loss) to be appropriated9906€595k€906k▲
Transfer to equity691/2€595k€646k▲
To other reserves6921€595k€646k▲
Profit to be distributed694/7-€260k
Return on contributions (dividend)694-€260k
Social balance
Average headcount (FTE)908762.961.9▼
The notes to these accounts (62 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €1.60M ▲865%
Operating result €2.26M, net result €1.60M, both a record.
31-12
Financial
Equity above €2MEq €2.95M ▲118%
4 profitable years in a row build equity to €2.95M.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €336k
Net result €336k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.06M ▲46.1%
Equity rises from €728k to €1.06M.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-273k ▼483%
Net result drops to €-273k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €1MEq €1.00M ▲7.6%
2 profitable years in a row build equity to €1.00M.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
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, Sint-Gillis-Waas · 1 establishment unit since 2009
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.
Hogewatergangweg(SGW) 19170 Sint-Gillis-WaasGround area
1.1 ha
Building footprint
5,212 m²
Volume, LiDAR
34,012 m³
Parcel 46020A1129/00F000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOM@
since 20092.176.756.313
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020A1129/00F000 | Flanders | 1.1 ha | 1 · 5,212 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis-Waas2.176.756.313
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TUINDERIJ JOOSEN
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FRANK BOEREN
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V.W. MAXBURG
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Of 3,614 companies in sector 01130 we hold annual accounts for 783. 405 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2009
Fiscal year end31-12
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
01110Growing of cereals (except rice), leguminous crops and oil seeds
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:dirk.willaert@skynet.be
Phone:03/2330425
Fax:03/2337506