TOM CAMBRE
ActiveSummary
TOM CAMBRE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €730,604 and a net result of €107,147. Equity is growing by ~21.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability79=
Solvency80▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 1.78 against 2.81 in 2023; short-term debt: 35.1% and cash: 21.2% of total assets), and 45.2% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 14-06-2026, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
46 d early
2023
28 d late
2022
41 d early
2021
18 d late
2020
3 d early
2019
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 20 June (4 of the last 5 filed years within 59 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€730,604▲ 17.2%
2023 · €623,458
Total assets
€1.3m▼ 1.5%
2023 · €1.4m
Net result
€107,147▼ 3.2%
2023 · €110,734
Working capital
€363,537▼ 36.7%
2023 · €573,943
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€215,581€252,091€395,499▲ 56.9%€198,368▼ 49.8%€206,679▲ 4.2%
Net result-€268,205below the sector's middle half€204,887above the sector's middle half€306,772above the sector's middle half▲ 49.7%€110,734within the sector's middle half▼ 63.9%€107,147within the sector's middle half▼ 3.2%
Equity€2,925below the sector's middle half▼ 98.9%€207,812within the sector's middle half▲ 7,005%€514,584within the sector's middle half▲ 148%€623,458within the sector's middle half▲ 21.2%€730,604within the sector's middle half▲ 17.2%
Total assets€702,975within the sector's middle half▼ 54.6%€888,599within the sector's middle half▲ 26.4%€1.4mwithin the sector's middle half▲ 55.1%€1.4mwithin the sector's middle half▼ 1.7%€1.3mwithin the sector's middle half▼ 1.5%
Debt€700,051▼ 45.2%€680,787▼ 2.8%€863,615▲ 26.9%€730,675▼ 15.4%€602,744▼ 17.5%
Working capital€27,826below the sector's middle half▼ 91.9%€287,710within the sector's middle half▲ 934%€519,012within the sector's middle half▲ 80.4%€573,943within the sector's middle half▲ 10.6%€363,537within the sector's middle half▼ 36.7%
Solvency0.4%below the sector's middle half▼ 17.1pp23.4%within the sector's middle half▲ 23.0pp37.3%within the sector's middle half▲ 14.0pp46.0%within the sector's middle half▲ 8.7pp54.8%within the sector's middle half▲ 8.8pp
Current ratio1.17within the sector's middle half▼ 0.452.53within the sector's middle half▲ 1.362.21within the sector's middle half▼ 0.322.81within the sector's middle half▲ 0.601.78within the sector's middle half▼ 1.03
Return on assets (ROA)-38.2%below the sector's middle half▼ 39.9pp23.1%above the sector's middle half▲ 61.2pp22.3%above the sector's middle half▼ 0.8pp8.2%within the sector's middle half▼ 14.1pp8.0%within the sector's middle half▼ 0.1pp
Staff (FTE)0.2below the sector's middle half▼ 80.0%0.7below the sector's middle half1within the sector's middle half▲ 42.9%1within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 4% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.3m
Fixed assets
€501,900 ▲ 8.5%
Current assets
€831,448 ▼ 6.7%
Equity and liabilities €1.3m
Equity
€730,604 ▲ 17.2%
Debt
€602,744 ▼ 17.5%
Debt's share of the balance-sheet total falls from 54.0% to 45.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€353,257▲
2023 · €300,917
Cash flow
€253,725▲
2023 · €213,283
Quick ratio
1.62▼
2023 · 2.60
Debt to equity
0.82▼
2023 · 1.17
ROE
14.7%▼
2023 · 17.8%
Interest coverage
7.66▲
2023 · 6.83
Debt ≤ 1 year
€467,911▲
2023 · €317,624
Debt > 1 year
€133,844▼
2023 · €411,405
Income taxes
€41,299▼
2023 · €43,607
Staff costs
€50,775▲
2023 · €46,360
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
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 34,696 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €13,840 | €7,000 | €5,814 | ▼ 16.9% |
| Remuneration, social security and pensions62 | - | €577 | €33,251 | €46,360 | €50,775 | ▲ 9.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €198,064 | €153,589 | €115,078 | €102,549 | €146,578 | ▲ 42.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€6,236 | €3,725 | €9,080 | -€1,671 | ▼ 118% |
| Other operating charges640/8 | - | €16,602 | €27,144 | €18,807 | €19,729 | ▲ 4.9% |
| Gross operating margin9900 | €47,096 | €416,623 | €574,696 | €375,163 | €422,090 | ▲ 12.5% |
| Operating profit (loss)9901 | -€215,581 | €252,091 | €395,499 | €198,368 | €206,679 | ▲ 4.2% |
| Financial income75/76B | - | €51 | €10 | €10 | €195 | ▲ 1,846% |
| Recurring financial income75 | - | €41 | €10 | €10 | €185 | ▲ 1,746% |
| Non-recurring financial income76B | - | €10 | €10 | €10 | €10 | = |
| Financial charges65/66B | - | €47,255 | €43,751 | €44,037 | €58,428 | ▲ 32.7% |
| Recurring financial charges65 | €52,633 | €47,255 | €43,751 | €44,037 | €46,111 | ▲ 4.7% |
| Non-recurring financial charges66B | - | - | - | - | €12,316 | - |
| Profit (loss) for the period before taxes9903 | -€268,205 | €204,887 | €351,757 | €154,341 | €148,445 | ▼ 3.8% |
| Income taxes67/77 | - | - | €44,985 | €43,607 | €41,299 | ▼ 5.3% |
| Profit (loss) for the period9904 | -€268,205 | €204,887 | €306,772 | €110,734 | €107,147 | ▼ 3.2% |
| Profit (loss) for the period to be appropriated9905 | -€268,205 | €204,887 | €306,772 | €110,734 | €107,147 | ▼ 3.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €702,975 | €888,599 | €1.4m | €1.4m | €1.3m | ▼ 1.5% |
| Fixed assets21/28 | €509,810 | €412,684 | €430,359 | €462,565 | €501,900 | ▲ 8.5% |
| Tangible fixed assets22/27 | €509,810 | €412,684 | €430,359 | €462,565 | €501,900 | ▲ 8.5% |
| Land and buildings22 | - | €282,838 | €260,196 | €229,949 | €201,380 | ▼ 12.4% |
| Plant, machinery and equipment23 | - | €85,587 | €111,006 | €111,047 | €128,876 | ▲ 16.1% |
| Furniture and vehicles24 | - | €30,006 | €59,157 | €121,570 | €147,632 | ▲ 21.4% |
| Leasing and similar rights25 | - | €14,252 | - | - | €24,013 | - |
| Current assets29/58 | €193,165 | €475,915 | €947,840 | €891,567 | €831,448 | ▼ 6.7% |
| Amounts receivable after more than one year29 | - | - | - | - | €17,500 | - |
| Other amounts receivable291 | - | - | - | - | €17,500 | - |
| Stocks and contracts in progress3 | €25,585 | €15,270 | €98,207 | €66,938 | €71,847 | ▲ 7.3% |
| Stocks30/36 | - | €15,270 | €98,207 | €66,938 | €71,847 | ▲ 7.3% |
| Amounts receivable within one year40/41 | €103,639 | €312,718 | €489,600 | €290,082 | €448,791 | ▲ 54.7% |
| Trade receivables40 | - | €302,561 | €447,223 | €235,188 | €330,637 | ▲ 40.6% |
| Other amounts receivable41 | - | €10,157 | €42,376 | €54,894 | €118,154 | ▲ 115% |
| Cash at bank and in hand54/58 | €49,819 | €129,364 | €334,796 | €501,897 | €283,159 | ▼ 43.6% |
| Deferred charges and accrued income490/1 | - | €18,562 | €25,237 | €32,651 | €10,151 | ▼ 68.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €702,975 | €888,599 | €1.4m | €1.4m | €1.3m | ▼ 1.5% |
| Equity10/15 | €2,925 | €207,812 | €514,584 | €623,458 | €730,604 | ▲ 17.2% |
| Contributions10/11 | - | €240,000 | €240,000 | €240,000 | €240,000 | = |
| Reserves13 | €31,130 | €31,130 | €274,584 | €383,458 | €490,604 | ▲ 27.9% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €29,270 | €272,724 | €383,458 | €490,604 | ▲ 27.9% |
| Profit (loss) carried forward14 | -€268,205 | -€63,317 | - | - | - | - |
| Amounts payable17/49 | €700,051 | €680,787 | €863,615 | €730,675 | €602,744 | ▼ 17.5% |
| Amounts payable after more than one year17 | €533,023 | €491,489 | €434,179 | €411,405 | €133,844 | ▼ 67.5% |
| Financial debts170/4 | - | €491,489 | €434,179 | €411,405 | €133,844 | ▼ 67.5% |
| Amounts payable within one year42/48 | €165,340 | €188,205 | €428,828 | €317,624 | €467,911 | ▲ 47.3% |
| Current portion of amounts payable after more than one year42 | - | €74,939 | €76,865 | €82,774 | €335,682 | ▲ 306% |
| Financial debts43 | - | - | €50,000 | €86,883 | - | - |
| Credit institutions430/8 | - | - | €50,000 | €86,883 | - | - |
| Trade debts44 | €24,086 | €65,612 | €279,884 | €133,221 | €116,735 | ▼ 12.4% |
| Suppliers440/4 | - | €65,612 | €279,884 | €133,221 | €116,735 | ▼ 12.4% |
| Taxes, remuneration and social security45 | - | €33,176 | €12,641 | €9,477 | €9,400 | ▼ 0.8% |
| Taxes450/3 | - | €33,176 | €8,146 | €3,323 | €3,179 | ▼ 4.3% |
| Remuneration and social security454/9 | - | - | €4,495 | €6,154 | €6,221 | ▲ 1.1% |
| Other amounts payable47/48 | - | €14,479 | €9,437 | €5,269 | €6,094 | ▲ 15.7% |
| Accrued charges and deferred income492/3 | - | €1,093 | €607 | €1,646 | €989 | ▼ 39.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€268,205 | €204,887 | €306,772 | €110,734 | €107,147 | ▼ 3.2% |
| + Depreciation and write-downs630 | €198,064 | €153,589 | €115,078 | €102,549 | €146,578 | ▲ 42.9% |
| Operating cash flow (approximation) | -€70,141 | €358,476 | €421,849 | €213,283 | €253,725 | ▲ 19.0% |
| Investment in fixed assets (approximation) | - | -€56,462 | -€132,753 | -€134,755 | -€185,913 | ▼ 38.0% |
| Change in cash | - | €79,545 | €205,432 | €167,100 | -€218,737 | ▼ 231% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €306,772 ▲49.7%
Operating result €395,499, net result €306,772, both a record.
31-12
Financial
Equity above €500,000Eq €514,584 ▲148%
2 profitable years in a row build equity to €514,584.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
31-12
Financial
Back to profitnet €204,887
Net result €204,887 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.53
Current ratio from 1.17 to 2.53.
31-12
Financial
Equity above €200,000Eq €207,812 ▲7,005%
Equity rises from €2,925 to €207,812.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€268,205
Net result drops to -€268,205, the lowest in the series; recovery starts the following year.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
18-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 18 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Herentals · 1 establishment unit since 2007
Ground area
4,714 m²
Building footprint
1,510 m²
Volume, LiDAR
12,432 m³
Parcel 13302C0391/00L000, Flanders · tallest building 37.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TOM CAMBRE
since 20072.159.823.477
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302C0391/00L000 | Flanders | 4,714 m² | 1 · 1,509 m² | 37.5 m · 3 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerentals2.159.823.477
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Of 1,583 companies in sector 46349 we hold annual accounts for 991. 632 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
Founded22-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
77223Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0887090635
Also
9925:BE0887090635
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.