TOM DEJAGERE

Active

Private limited companyfounded 20233 yrs activeDesselgem-Dries 104, 8792 Waregem, BelgiumKBO/BCE: BE 0804.043.193

The computed 12-month bankruptcy probability of TOM DEJAGERE is 2.4% (moderate). The 2025 annual accounts show equity of €36k and a net result of €14k. Its solvency ranks better than 69% of 27711 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

70 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability99▼-1

Solvency89▲+21

Growth52

Track record94

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity ample (current ratio 2.95 against 1.79 in 2024; short-term debt: 31.2% and cash: 8.5% of total assets), and 35.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

64.4%

Return on assets

24.4%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

73 d early

2024

58 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€36k▲ 60.9%

2024 · €22k

2024: €22k

2024 → 2025

Total assets

€56k▲ 8.0%

2024 · €52k

2024: €52k

2024 → 2025

Net result

€14k▼ 21.7%

2024 · €17k

2024: €17k

2024 → 2025

Working capital

€34k▲ 70.6%

2024 · €20k

2024: €20k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€22k-€36k▲ 60.9%

Operating result€24k-€18k▼ 24.1%

Net result€17k-€14k▼ 21.7%

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 24% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €56k

91.9%

Fixed assets €5k▼ 32.3%

Current assets €52k▲ 14.0%

Equity and liabilities €56k

64.4%

35.6%

Equity €36k▲ 60.9%

Debt €20k▼ 32.3%

The debt ratio falls from 56.8% to 35.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€20k▼

2024 · €26k

Cash flow

€16k▼

2024 · €20k

Solvency

64.4%▲

2024 · 43.2%

Current ratio

2.95▲

2024 · 1.79

Quick ratio

2.75▲

2024 · 1.71

Debt / equity

0.55▼

2024 · 1.31

ROE

37.8%▼

2024 · 77.8%

ROA

24.4%▼

2024 · 33.6%

Interest coverage

8.87▼

2024 · 9.83

Debt

€20k▼

2024 · €30k

Debt ≤ 1 year

€18k▼

2024 · €25k

Debt > 1 year

€2k▼

2024 · €4k

Income taxes

€4k▼

2024 · €5k

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€52k€56k▲

Fixed assets21/28€7k€5k▼

Tangible fixed assets22/27€7k€5k▼

Plant, machinery and equipment23€1k€750▼

Furniture and vehicles24€5k€4k▼

Current assets29/58€45k€52k▲

Stocks and contracts in progress3€2k€4k▲

Stocks30/36€2k€4k▲

Amounts receivable within one year40/41€40k€41k▲

Trade receivables40€7k€6k▼

Other amounts receivable41€33k€35k▲

Cash at bank and in hand54/58€1k€5k▲

Deferred charges and accrued income490/1€2k€3k▲

Equity and liabilities

Total equity and liabilities10/49€52k€56k▲

Equity10/15€22k€36k▲

Contributions10/11€5k€5k=

Reserves13€17k€31k▲

Distributable reserves133€17k€31k▲

Amounts payable17/49€30k€20k▼

Amounts payable after more than one year17€4k€2k▼

Financial debts170/4€4k€2k▼

Amounts payable within one year42/48€25k€18k▼

Current portion of amounts payable after more than one year42€1k€1k▲

Trade debts44€17k€9k▼

Suppliers440/4€17k€9k▼

Taxes, remuneration and social security45€5k€6k▲

Taxes450/3€5k€6k▲

Other amounts payable47/48€2k€2k=

Accrued charges and deferred income492/3€640€57▼

Income statement Code20242025

Non-recurring operating income76A€8k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲

Other operating charges640/8€242€378▲

Gross operating margin9900€26k€21k▼

Operating profit (loss)9901€24k€18k▼

Financial income75/76B€978€2k▲

Recurring financial income75€978€2k▲

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€22k€18k▼

Income taxes67/77€5k€4k▼

Profit (loss) for the period9904€17k€14k▼

Profit (loss) for the period to be appropriated9905€17k€14k▼

Appropriation of the result

Profit (loss) to be appropriated9906€17k€14k▼

Transfer to equity691/2€17k€14k▼

To other reserves6921€17k€14k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

19-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

27-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 58 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Waregem · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Desselgem-Dries 1048792 Waregem

Ground area

364 m²

Building footprint

110 m²

Volume, LiDAR

499 m³

Parcel 34010A0406/00A002, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

TOM DEJAGERE

Desselgem-Dries 104, 8792 WaregemInstallation of electric heating, air conditioning, cooling and ventilation

since 20232.347.288.350

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34010A0406/00A002	Flanders	364 m²	1 · 110 m²	9.8 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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 456 EUR awarded · 456 EUR paid

Year	Entries	awarded	paid
2025	1	456 EUR	456 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 456 EUR · 456 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Sambreville · Eq €36k

BATI 3 ((BATI3))

BE 0474.347.024

Asse · Eq €36k

Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,211 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-07-2023

Fiscal year end31-12

Activities, NACEBEL

43222Installation of electric heating, air conditioning, cooling and ventilation

33110Repair and maintenance of fabricated metal products

43221Plumbing work

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.