Tom Construct
ActiveTom Construct has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €5k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 46% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability36▲+36
Solvency58▲+10
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.97 in 2024), and 60.2% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
39.8%
Return on assets
2.9%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
3 d early
2021
2 d early
2020
5 d early
2019
21 d late
← 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, micro schema
Equity
€71k▲ 7.8%
2024 · €66k
2018: €26k
2019: €26k
2020: €34k
2021: €54k
2022: €67k
2023: €67k
2024: €66k
2018 → 2025
Total assets
€177k▼ 15.8%
2024 · €211k
2018: €84k
2019: €159k
2020: €179k
2021: €211k
2022: €225k
2023: €230k
2024: €211k
2018 → 2025
Net result
€5k
2024 · €-1k
2018: €105
2019: €352
2020: €8k
2021: €20k
2022: €12k
2023: €-87
2024: €-1k
2018 → 2025
Working capital
€-5k▼ 138%
2024 · €-2k
2018: €22k
2019: €-588
2020: €-16k
2021: €-21k
2022: €5k
2023: €11k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€67k▲ 22.5%€67k▼ 0.1%€66k▼ 1.5%€71k▲ 7.8%
Operating result€30k-€20k▼ 33.7%€4k▼ 78.9%€3k▼ 28.6%€10k▲ 230%
Net result€20k-€12k▼ 39.6%€-87€-1k▼ 1,057%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 230% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€144k▼ 1.4%
Current assets
€33k▼ 48.6%
Equity and liabilities €177k
Equity
€71k▲ 7.8%
Debt
€107k▼ 26.5%
The debt ratio falls from 68.9% to 60.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€20k▲
2024 · €16k
Cash flow
€15k▲
2024 · €12k
Solvency
39.8%▲
2024 · 31.1%
Current ratio
0.86▼
2024 · 0.97
Quick ratio
0.58▼
2024 · 0.82
Debt / equity
1.51▼
2024 · 2.21
ROE
7.2%▲
2024 · -1.5%
ROA
2.9%▲
2024 · -0.5%
Interest coverage
8.08▲
2024 · 5.76
Debt
€107k▼
2024 · €145k
Debt ≤ 1 year
€38k▼
2024 · €66k
Debt > 1 year
€67k▼
2024 · €78k
Income taxes
€3k▲
2024 · €1k
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€211k€177k▼
Fixed assets21/28€146k€144k▼
Tangible fixed assets22/27€146k€144k▼
Land and buildings22€145k€143k▼
Plant, machinery and equipment23€654€1k▲
Furniture and vehicles24€0-
Financial fixed assets28€471€471=
Current assets29/58€64k€33k▼
Stocks and contracts in progress3€10k€11k▲
Contracts in progress37€10k€11k▲
Amounts receivable within one year40/41€35k€20k▼
Trade receivables40€23k€6k▼
Other amounts receivable41€12k€14k▲
Cash at bank and in hand54/58€15k€87▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€211k€177k▼
Equity10/15€66k€71k▲
Contributions10/11€19k€19k=
Reserves13€47k€52k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€47k€52k▲
Amounts payable17/49€145k€107k▼
Amounts payable after more than one year17€78k€67k▼
Financial debts170/4€78k€67k▼
Amounts payable within one year42/48€66k€38k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43€0€3k▲
Credit institutions430/8€0€3k▲
Trade debts44€37k€17k▼
Suppliers440/4€37k€17k▼
Advances received on contracts in progress46€18k€6k▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48€33€0▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€10k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€19k€23k▲
Operating profit (loss)9901€3k€10k▲
Financial income75/76B€254€185▼
Recurring financial income75€254€185▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€439€8k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€-1k€5k▲
Profit (loss) for the period to be appropriated9905€-1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€5k▲
Transfer from equity791/2€1k€0▼
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (17 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €20k ▲153%
Operating result €30k, net result €20k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Geel · 1 establishment unit since 2013
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.
Wilders 532440 GeelGround area
1,834 m²
Building footprint
248 m²
Volume, LiDAR
658 m³
Parcel 13373L1023/00G000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Tom Construct
since 20132.219.409.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373L1023/00G000 | Flanders | 1,834 m² | 1 · 248 m² | 6.3 m · 1 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 29,535 companies in sector 41001 we hold annual accounts for 15,872. 13,093 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.