TOM DEBOOSER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €64k and a net result of €15k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 2413 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
21 d early
2024
31 d late
2023
14 d late
2022
30 d late
2021
31 d late
2020
1 d early
2019
50 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 15.5%
2024 · €55k
2019: €-4k
2020: €28k
2021: €59k
2022: €67k
2023: €83k
2024: €55k
2019 → 2025
Net result
€15k▲ 586%
2024 · €2k
2019: €-23k
2020: €32k
2021: €31k
2022: €8k
2023: €16k
2024: €2k
2019 → 2025
Total assets
€273k▼ 5.0%
2024 · €287k
2019: €402k
2020: €393k
2021: €380k
2022: €328k
2023: €343k
2024: €287k
2019 → 2025
Solvency
23.4%▲ 4.2pp
2024 · 19.2%
2019: -1.0%
2020: 7.2%
2021: 15.5%
2022: 20.3%
2023: 24.2%
2024: 19.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€67k▲ 13.2%€83k▲ 24.2%€55k▼ 33.5%€64k▲ 15.5%
Operating result€43k-€17k▼ 61.0%€29k▲ 73.8%€20k▼ 30.3%€29k▲ 40.7%
Net result€31k-€8k▼ 74.8%€16k▲ 108%€2k▼ 86.3%€15k▲ 586%
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 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €273k
Fixed assets
€160k▼ 26.7%
Current assets
€112k▲ 64.4%
Equity and liabilities €273k
Equity
€64k▲ 15.5%
Debt
€209k▼ 9.9%
The debt ratio falls from 80.8% to 76.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
23.4%▲
2024 · 19.2%
ROE
23.8%▲
2024 · 4.0%
ROA
5.6%▲
2024 · 0.8%
Debt
€209k▼
2024 · €232k
Debt ≤ 1 year
€71k▲
2024 · €67k
Debt > 1 year
€137k▼
2024 · €162k
Income taxes
€8k▲
2024 · €4k
Staff costs
€51k▼
2024 · €52k
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€287k€273k▼
Fixed assets21/28€219k€160k▼
Intangible fixed assets21€70k€50k▼
Tangible fixed assets22/27€149k€110k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€62k€47k▼
Other tangible fixed assets26€78k€57k▼
Current assets29/58€68k€112k▲
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€0-
Other amounts receivable41€3k€3k▲
Current investments50/53€32k€35k▲
Cash at bank and in hand54/58€9k€42k▲
Deferred charges and accrued income490/1€24k€32k▲
Equity and liabilities
Total equity and liabilities10/49€287k€273k▼
Equity10/15€55k€64k▲
Contributions10/11€19k€19k=
Reserves13€34k€34k=
Distributable reserves133€34k€34k=
Profit (loss) carried forward14€3k€12k▲
Amounts payable17/49€232k€209k▼
Amounts payable after more than one year17€162k€137k▼
Financial debts170/4€162k€137k▼
Amounts payable within one year42/48€67k€71k▲
Current portion of amounts payable after more than one year42€25k€26k▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€14k€14k▲
Taxes450/3€7k€5k▼
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€20k€26k▲
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€52k€51k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€58k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€131k€140k▲
Operating profit (loss)9901€20k€29k▲
Financial income75/76B€20€395▲
Recurring financial income75€20€395▲
Financial charges65/66B€14k€6k▼
Recurring financial charges65€14k€6k▼
Profit (loss) for the period before taxes9903€7k€23k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€2k€15k▲
Profit (loss) for the period to be appropriated9905€2k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€18k▼
Profit (loss) brought forward from the previous period14P€31k€3k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€30k€7k▼
Return on contributions (dividend)694€30k€7k▼
The notes to these accounts (12 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 2.07
Current ratio from 0.76 to 2.07; short-term debt falls from €123k to €72k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
19-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 50 days late
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, Zwevegem · 1 establishment unit since 2018
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.
Nachtegaalstraat(Z) 198550 ZwevegemGround area
1,006 m²
Building footprint
497 m²
Volume, LiDAR
2,637 m³
2 parcels, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOM DEBOOSER
since 20182.279.592.545
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042D0114/00T002 | Flanders | 640 m² | 1 · 131 m² | 7.7 m · 2 fl. |
| 34003A3169/00A002 | Flanders | 366 m² | 1 · 366 m² | 12.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 2025 · 8 entries · 4,819 EUR awarded · 4,866 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,541 EUR | 2,541 EUR |
| 2024 | 3 | 680 EUR | 1,850 EUR |
| 2023 | 2 | 1,310 EUR | 187 EUR |
| 2022 | 1 | 288 EUR | 288 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Werkbaarheidscheque (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
98450078A90C671B4193
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 953 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2018
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.