Equity
€23,439 from €139,144 in 2021
Equity fell by 83% in 4 years.
TOM
Lifetime
7 annual accounts with figures on one time axispeak €123,734 (2020)
€55,266▲ 142%
lowest -€17,733 (2022)
-€2,016▲ €543
peak €139,144 (2021)
€23,439▼ 72.9%
€100,434▲ 110%
Board1 name since 2019
1 directorTom VERSTAPPEN
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Gross margin from €22,870 to €55,266Loss of €2,016Registered office moved from Mol to Geel 24-10Dividend €61,152Equity from €86,607 to €23,439Debts from €47,904 to €100,434
Key points
from the 2025 annual accountsLosses
-€4,575 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Turnover
≈ €170,000 estimated
The accounts state no turnover.
Debts
€100,434 ▲ 110%
Debts rose by €52,530 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Liquidity
0.98 was 2.69 in 2024
Short-term debts rose from €22,263 to €83,248.
Filings
7 annual accounts 4 late
The 2019 accounts came latest: 31 days after the end of the period.
Checked score
86
Excellent
Financially stronger than 31% of micro companies in education (NACE 85)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,825 companies (NACE 85, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.1%▲ +0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Sector: Education (NACE 85)
Liquidity: current ratio 0.98, cash €47,465
Size: total assets €123,873
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro). It does better than 29% of them on solvency, 51% on liquidity, 37% on profitability and 8% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,548 companies had the same profile as TOM has now. Each dot stands for 4 companies, two years later.
91.2%
were still trading
3.9%
stopped another way
4.3%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TOM itself is lower: 0.2% within 12 months. It rests on far more data about TOM than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,548 companies, not a prediction for TOM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.98 (2.69 in 2024), below 1. Short-term debt is 67.2% and cash 38.3% of total assets. 81.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
3 days early
2024
27 days early
2023
26 days early
2022
18 days late
2021
12 days late
2020
31 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 5 days after the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Mol to Geel
New registered office: Veerleseweg 45, 2440 Geel · Previous registered office: St.-Ritastraat 10, 2400 Mol · Board meeting of 01-10-2025 · Gazette deed
Incorporation
Appointment: VERSTAPPEN Tom (statutory director) · Founder: VERSTAPPEN Tom · Founding capital of €3,000, 100 shares · published on 09-05-2019 · Gazette deed
First establishment
DRONECOLLEGE, Veerleseweg 45, Geel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TOM Geel | €123,873 | €55,266 | 18.9% | - |
| ARCATRAD Walcourt | €121,770 | €51,796 | 17.4% | - |
| AFTERMIND Andenne | €99,417 | €53,886 | 49.2% | - |
| CORTEX-Formation Waremme | €127,677 | €45,122 | 56.4% | - |
| LEARNING BRAIN Thuin | €113,868 | €56,616 | 25.0% | - |
| Inspirerend Coachen Academy Zandhoven | €167,954 | €45,783 | 23.2% | - |
| IJK coaching Heist-op-den-Berg | €139,983 | €35,852 | 79.0% | - |
These companies have the same main activity as TOM: vocational training (NACE 85592). They are comparable in size and age: total assets between €99,400 and €168,000, founded between 2018 and 2020.
Official details
Source: KBO- Status
- Active since 07-05-2019Normal situation
- Activity
- Vocational trainingNACE 85592and 3 others
- Establishment unit
- 2.289.577.1122440 Geel, since 07-05-2019
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €123,873▼ 7.9%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on TOM
TOM files the micro format. That format states no turnover. The gross margin rose from €37,229 in 2019 to €55,266 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TOM
- What is the company number of TOM?
- The company number of TOM is 0726.479.421. The VAT number is the same number with BE in front: BE 0726.479.421.
- Where is TOM based?
- The registered office is at Veerleseweg 45, 2440 Geel.Company details
- What does TOM do?
- According to the KBO register, the main activity is vocational training (NACE 85592).
- What is the legal form of TOM?
- TOM is a private limited company (BV).
- When was TOM founded?
- TOM was founded on 07-05-2019.
- Is TOM still active?
- Yes, TOM is an active enterprise in the KBO register.
- What is the turnover of TOM?
- The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €55,266 and 2,667 comparable companies of the same size. It probably lies between €110,000 and €290,000. It is a rough estimate.Financials
- Is TOM profitable?
- In financial year 2025, TOM made a loss of €2,016.
- Where can I find the annual accounts of TOM?
- TOM filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TOM due?
- TOM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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