TOM CONSTRUCTION
ActiveTOM CONSTRUCTION has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €48k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 46% of 7684 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency87▲+29
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 1.44 in 2024), but 59.2% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
40.8%
Return on assets
27.4%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d late
2023
236 d late
2022
115 d late
2021
5 d early
2020
1 d early
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€48k▲ 191%
2024 · €17k
2019: €5k
2020: €7k
2021: €3k
2022: €-244
2023: €17k
2024: €17k
2019 → 2025
Working capital
€104k▲ 178%
2024 · €37k
2019: €13k
2020: €21k
2021: €24k
2022: €23k
2023: €31k
2024: €37k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€23k▼ 1.0%€28k▲ 19.8%€39k▲ 37.9%€72k▲ 86.3%
Operating result€5k-€2k▼ 67.6%€18k▲ 986%€19k▲ 1.3%€51k▲ 173%
Net result€3k-€-244€17k€17k▲ 0.1%€48k▲ 191%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 173% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€2k▼ 50.0%
Current assets
€175k▲ 43.8%
Equity and liabilities €177k
Equity
€72k▲ 86.3%
Provisions
€13k
Debt
€92k▲ 5.3%
The debt ratio falls from 69.2% to 51.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€53k▲
2024 · €21k
Cash flow
€50k▲
2024 · €19k
Solvency
40.8%▲
2024 · 30.8%
Current ratio
2.46▲
2024 · 1.44
Quick ratio
2.46▲
2024 · 1.44
Debt / equity
1.27▼
2024 · 2.24
ROE
67.1%▲
2024 · 43.0%
ROA
27.4%▲
2024 · 13.2%
Interest coverage
1172.17▲
2024 · 610.70
Debt
€92k▲
2024 · €87k
Debt ≤ 1 year
€71k▼
2024 · €84k
Income taxes
€2k▲
2024 · €2k
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€126k€177k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€122k€175k▲
Amounts receivable within one year40/41€61k€89k▲
Trade receivables40€61k€89k▲
Other amounts receivable41€559€331▼
Cash at bank and in hand54/58€59k€83k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€126k€177k▲
Equity10/15€39k€72k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€31k€64k▲
Provisions and deferred taxes16-€13k
Provisions for liabilities and charges160/5-€13k
Other liabilities and charges164/5-€13k
Amounts payable17/49€87k€92k▲
Amounts payable within one year42/48€84k€71k▼
Trade debts44€70k€25k▼
Suppliers440/4€70k€25k▼
Taxes, remuneration and social security45€8k€27k▲
Taxes450/3€2k€7k▲
Remuneration and social security454/9€6k€20k▲
Other amounts payable47/48€7k€19k▲
Accrued charges and deferred income492/3€3k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Provisions for liabilities and charges: additions (uses and reversals)635/8-€13k
Other operating charges640/8€460€1k▲
Gross operating margin9900€21k€67k▲
Operating profit (loss)9901€19k€51k▲
Financial income75/76B-€12
Recurring financial income75-€12
Non-recurring financial income76B-€12
Financial charges65/66B€34€45▲
Recurring financial charges65€34€45▲
Non-recurring financial charges66B-€45
Profit (loss) for the period before taxes9903€19k€51k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€17k€48k▲
Profit (loss) for the period to be appropriated9905€17k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€79k▲
Profit (loss) brought forward from the previous period14P€20k€31k▲
Profit to be distributed694/7€6k€15k▲
Directors or managers695€6k€15k▲
The notes to these accounts (5 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €48k ▲191%
Operating result €51k, net result €48k, both a record.
02-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 2 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 236 days late
2023
30-06
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 115 days late
2022
30-06
Financial
Weakest financial yearnet €-244 ▼108%
Net result drops to €-244, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
KOZLOWSKI Tomasz
CurrentDirector · since 13-08-2024
13-08-2024
Appointed as Director
Location & real-estate footprint
Registered office, Kapelle-op-den-Bos · 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.
Meiselaan 591880 Kapelle-op-den-BosGround area
852 m²
Building footprint
119 m²
Volume, LiDAR
607 m³
Parcel 23056C0025/00E002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tom Construction
since 20132.216.726.251
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23056C0025/00E002 | Flanders | 852 m² | 1 · 119 m² | 8.9 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.
Similar companies · same sector, comparable size
BIAF TECHNICS
BE 0786.588.044
Sint-Katelijne-Waver · Eq €72k
LUCONSTRUCT
BE 0780.455.664
Drogenbos · Eq €72k
V-con
BE 0742.755.526
Zandhoven · Eq €71k
MARIUS PRO CONSTRUCT
BE 1011.823.628
Evere · Eq €73k
JUMACO PROJECTS
BE 0759.609.275
Sint-Truiden · Eq €71k
Of 1,347 companies in sector 43110 we hold annual accounts for 620. 481 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2013
Fiscal year end30-06
Activities, NACEBEL
43110Demolition
43120Site preparation
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43410Roofing work
43990Other specialised construction activities
43995Specialised construction activities
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.