Tom Consulting
ActiveTom Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €56k. Equity is shrinking by ~38.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 13% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▼-14
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.26 in 2024; short-term debt: 92.3% and cash: 79.4% of total assets), and 92.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
7.6%
Return on assets
28.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 16989 sector peers (2025).
NBB · sector comparisonPosition among 16989 sector peers
Solvency
better than 13%
← weakest
strongest →
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 23-03-2026, 130 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
130 d early
2024
76 d early
2023
78 d early
2022
70 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 56.4%
2024 · €35k
2022: €27k
2023: €59k
2024: €35k
2022 → 2025
Total assets
€197k▲ 24.2%
2024 · €158k
2022: €68k
2023: €96k
2024: €158k
2022 → 2025
Net result
€56k▼ 0.3%
2024 · €56k
2022: €27k
2023: €32k
2024: €56k
2022 → 2025
Working capital
€7k▼ 78.3%
2024 · €32k
2022: €27k
2023: €56k
2024: €32k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€27k-€59k▲ 115%€35k▼ 41.3%€15k▼ 56.4%
Operating result€35k-€44k▲ 26.5%€76k▲ 73.3%€73k▼ 4.3%
Net result€27k-€32k▲ 18.9%€56k▲ 72.7%€56k▼ 0.3%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€8k▲ 68.4%
Current assets
€189k▲ 22.8%
Equity and liabilities €197k
Equity
€15k▼ 56.4%
Debt
€182k▲ 46.6%
The debt ratio rises from 78.2% to 92.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€74k▼
2024 · €77k
Cash flow
€57k▲
2024 · €57k
Solvency
7.6%▼
2024 · 21.8%
Current ratio
1.04▼
2024 · 1.26
Quick ratio
1.04▼
2024 · 1.26
Debt / equity
12.08▲
2024 · 3.59
ROE
369.0%▲
2024 · 161.4%
ROA
28.2%▼
2024 · 35.2%
Interest coverage
25.28▲
2024 · 13.56
Debt
€182k▲
2024 · €124k
Debt ≤ 1 year
€182k▲
2024 · €122k
Income taxes
€15k▼
2024 · €15k
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€158k€197k▲
Fixed assets21/28€5k€8k▲
Tangible fixed assets22/27€5k€8k▲
Plant, machinery and equipment23€231€2k▲
Furniture and vehicles24€2k€4k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€154k€189k▲
Amounts receivable within one year40/41€18k€24k▲
Trade receivables40€13k€18k▲
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€122k€156k▲
Deferred charges and accrued income490/1€14k€8k▼
Equity and liabilities
Total equity and liabilities10/49€158k€197k▲
Equity10/15€35k€15k▼
Contributions10/11€1k€1k=
Reserves13€34k€14k▼
Distributable reserves133€34k€14k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€124k€182k▲
Amounts payable within one year42/48€122k€182k▲
Trade debts44€5k€773▼
Suppliers440/4€5k€773▼
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€7k€8k▲
Other amounts payable47/48€110k€173k▲
Accrued charges and deferred income492/3€2k€159▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€901€1k▲
Other operating charges640/8€592€544▼
Gross operating margin9900€78k€75k▼
Operating profit (loss)9901€76k€73k▼
Financial income75/76B€29€23▼
Recurring financial income75€29€23▼
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€71k€70k▼
Income taxes67/77€15k€15k▼
Profit (loss) for the period9904€56k€56k▼
Profit (loss) for the period to be appropriated9905€56k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€56k▼
Transfer from equity791/2€80k€75k▼
Transfer to equity691/2€56k€56k▼
To other reserves6921€56k€56k▼
Profit to be distributed694/7€80k€75k▼
Return on contributions (dividend)694€80k€75k▼
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €56k ▲72.7%
Operating result €76k, net result €56k, both a record.
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aalter · 1 establishment unit since 2022
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.
Houtkant 129880 AalterGround area
7,087 m²
Building footprint
3,456 m²
Volume, LiDAR
1,699 m³
Parcel 44001B0867/00A000, Flanders · tallest building 5.1 m. Linked by address, not a title deed.
1 establishment unit
Tom Consulting
since 20222.332.837.726
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44001B0867/00A000 | Flanders | 7,087 m² | 1 · 3,456 m² | 5.1 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,350 EUR awarded · 1,350 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 1,350 EUR |
| 2022 | 1 | 1,350 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 11,694 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.