Tom Bintein
ActiveTom Bintein has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €161k and a net result of €11k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 33% of 538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-5
Solvency51▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.83 in 2024; short-term debt: 29.2% and cash: 10.3% of total assets), and 74.4% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
25.6%
Return on assets
1.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
27 d late
2024
2 d early
2023
1 d early
2022
27 d early
2021
51 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€161k▲ 7.2%
2024 · €150k
2021: €95k
2022: €112k
2023: €125k
2024: €150k
2021 → 2025
Total assets
€627k▼ 2.7%
2024 · €644k
2021: €652k
2022: €695k
2023: €671k
2024: €644k
2021 → 2025
Net result
€11k▼ 57.1%
2024 · €25k
2021: €80k
2022: €16k
2023: €13k
2024: €25k
2021 → 2025
Working capital
€-26k▲ 13.5%
2024 · €-30k
2021: €-82k
2022: €-44k
2023: €-58k
2024: €-30k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€112k▲ 16.9%€125k▲ 12.0%€150k▲ 20.1%€161k▲ 7.2%
Operating result€92k-€23k▼ 74.8%€23k▼ 1.0%€51k▲ 124%€27k▼ 46.4%
Net result€80k-€16k▼ 80.0%€13k▼ 16.9%€25k▲ 87.6%€11k▼ 57.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €627k
Fixed assets
€470k▼ 4.6%
Current assets
€157k▲ 3.7%
Equity and liabilities €627k
Equity
€161k▲ 7.2%
Debt
€467k▼ 5.6%
The debt ratio falls from 76.7% to 74.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€68k▼
2024 · €89k
Cash flow
€51k▼
2024 · €63k
Solvency
25.6%▲
2024 · 23.3%
Current ratio
0.86▲
2024 · 0.83
Quick ratio
0.79▲
2024 · 0.76
Debt / equity
2.90▼
2024 · 3.30
ROE
6.7%▼
2024 · 16.7%
ROA
1.7%▼
2024 · 3.9%
Interest coverage
5.11▼
2024 · 5.40
Debt
€467k▼
2024 · €494k
Debt ≤ 1 year
€183k▲
2024 · €182k
Debt > 1 year
€277k▼
2024 · €305k
Income taxes
€5k▼
2024 · €10k
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€644k€627k▼
Fixed assets21/28€493k€470k▼
Tangible fixed assets22/27€491k€468k▼
Land and buildings22€445k€420k▼
Plant, machinery and equipment23€14k€12k▼
Furniture and vehicles24€31k€36k▲
Financial fixed assets28€2k€2k=
Current assets29/58€152k€157k▲
Stocks and contracts in progress3€15k€13k▼
Stocks30/36€12k€13k▲
Contracts in progress37€3k€0▼
Amounts receivable within one year40/41€69k€76k▲
Trade receivables40€67k€69k▲
Other amounts receivable41€2k€7k▲
Cash at bank and in hand54/58€66k€65k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€644k€627k▼
Equity10/15€150k€161k▲
Contributions10/11€15k€15k=
Reserves13€135k€146k▲
Distributable reserves133€135k€146k▲
Amounts payable17/49€494k€467k▼
Amounts payable after more than one year17€305k€277k▼
Financial debts170/4€305k€277k▼
Amounts payable within one year42/48€182k€183k▲
Current portion of amounts payable after more than one year42€28k€28k▲
Trade debts44€11k€15k▲
Suppliers440/4€11k€15k▲
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€16k€10k▼
Other amounts payable47/48€128k€130k▲
Accrued charges and deferred income492/3€8k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€41k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€93k€72k▼
Operating profit (loss)9901€51k€27k▼
Financial income75/76B€228€1k▲
Recurring financial income75€228€1k▲
Financial charges65/66B€17k€13k▼
Recurring financial charges65€17k€13k▼
Profit (loss) for the period before taxes9903€35k€15k▼
Income taxes67/77€10k€5k▼
Profit (loss) for the period9904€25k€11k▼
Profit (loss) for the period to be appropriated9905€25k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€11k▼
Transfer to equity691/2€25k€11k▼
To other reserves6921€25k€11k▼
The notes to these accounts (12 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €11k ▼57.1%
Net result drops to €11k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €150k ▲20.1%
4 profitable years in a row build equity to €150k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €112k ▲16.9%
2 profitable years in a row build equity to €112k.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hooglede · 1 establishment unit since 2020
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.
Klijtgatweg 118830 HoogledeGround area
1,009 m²
Building footprint
115 m²
Volume, LiDAR
868 m³
Parcel 36005A0672/00P000, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tom Bintein
since 20202.300.530.093
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36005A0672/00P000 | Flanders | 1,009 m² | 1 · 115 m² | 10.5 m · 3 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.
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Of 1,600 companies in sector 16230 we hold annual accounts for 782. 630 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2020
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.tombintein.be
E-mail:info@tombintein.be