Tom Geuens

Active

Private limited companyfounded 20232 yrs activeKattenbos 111, 3920 Lommel, BelgiumKBO/BCE: BE 1003.122.530

The computed 12-month bankruptcy probability of Tom Geuens is 2.3% (moderate). The 2025 annual accounts show equity of €37k and a net result of €12k. Its solvency ranks better than 38% of 27787 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

63 / 100

Healthy

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

Axes · tick = 2024

Profitability83▼-8

Solvency61▲+15

Growth52

Track record82

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 2.11 against 1.24 in 2024; short-term debt: 26.3% and cash: 16.1% of total assets), but 63.8% 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

Young company

A young company has little track record yet and statistically fails more often than an established one.

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

36.2%

Return on assets

11.7%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

27 d late

2024

29 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

23-09-2026 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

€37k▲ 47.7%

2024 · €25k

2024: €25k

2024 → 2025

Total assets

€102k▼ 15.8%

2024 · €121k

2024: €121k

2024 → 2025

Net result

€12k▼ 45.8%

2024 · €22k

2024: €22k

2024 → 2025

Working capital

€30k▲ 145%

2024 · €12k

2024: €12k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€25k-€37k▲ 47.7%

Operating result€29k-€18k▼ 37.6%

Net result€22k-€12k▼ 45.8%

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 38% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €102k

44.5%

55.5%

Fixed assets €45k▼ 21.1%

Current assets €57k▼ 11.0%

Equity and liabilities €102k

36.2%

63.8%

Equity €37k▲ 47.7%

Debt €65k▼ 32.3%

The debt ratio falls from 79.4% to 63.8%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€34k▼

2024 · €40k

Cash flow

€28k▼

2024 · €33k

Solvency

36.2%▲

2024 · 20.6%

Current ratio

2.11▲

2024 · 1.24

Quick ratio

2.11▲

2024 · 0.91

Debt / equity

1.76▼

2024 · 3.85

ROE

32.3%▼

2024 · 88.0%

ROA

11.7%▼

2024 · 18.2%

Interest coverage

22.85▼

2024 · 26.57

Debt

€65k▼

2024 · €96k

Debt ≤ 1 year

€27k▼

2024 · €51k

Debt > 1 year

€36k▼

2024 · €44k

Income taxes

€5k▼

2024 · €6k

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€121k€102k▼

Fixed assets21/28€58k€45k▼

Tangible fixed assets22/27€58k€45k▼

Land and buildings22€321€63▼

Plant, machinery and equipment23€18k€15k▼

Furniture and vehicles24€39k€31k▼

Current assets29/58€64k€57k▼

Stocks and contracts in progress3€17k-

Contracts in progress37€17k-

Amounts receivable within one year40/41€23k€40k▲

Trade receivables40€10k€11k▲

Other amounts receivable41€13k€29k▲

Cash at bank and in hand54/58€20k€16k▼

Deferred charges and accrued income490/1€3k-

Equity and liabilities

Total equity and liabilities10/49€121k€102k▼

Equity10/15€25k€37k▲

Contributions10/11€3k€3k=

Reserves13€22k€34k▲

Distributable reserves133€22k€34k▲

Amounts payable17/49€96k€65k▼

Amounts payable after more than one year17€44k€36k▼

Financial debts170/4€44k€36k▼

Amounts payable within one year42/48€51k€27k▼

Current portion of amounts payable after more than one year42€8k€8k▼

Trade debts44€37k€4k▼

Suppliers440/4€37k€4k▼

Taxes, remuneration and social security45€6k€15k▲

Taxes450/3€6k€15k▲

Accrued charges and deferred income492/3€775€3k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k▲

Other operating charges640/8€13k€19k▲

Gross operating margin9900€53k€52k▼

Operating profit (loss)9901€29k€18k▼

Financial income75/76B€226€1▼

Recurring financial income75€226€1▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€28k€17k▼

Income taxes67/77€6k€5k▼

Profit (loss) for the period9904€22k€12k▼

Profit (loss) for the period to be appropriated9905€22k€12k▼

Appropriation of the result

Profit (loss) to be appropriated9906€22k€12k▼

Transfer to equity691/2€22k€12k▼

To other reserves6921€22k€12k▼

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

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

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

2026

27-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 27 days late

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 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, Lommel · 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.

Kattenbos 1113920 Lommel

Ground area

1,498 m²

Building footprint

168 m²

Volume, LiDAR

665 m³

Parcel 72344D0427/00L000, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Tom Geuens

Kattenbos 111, 3920 LommelRental and leasing activities

since 20232.353.060.741

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72344D0427/00L000	Flanders	1,498 m²	1 · 168 m²	9.0 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.

Recognitions · licences · registrations

Recognised contractor

3 categories

Tom Geuens BV45019

category G, class 1 · category G3, class 1 · category G4, class 1

decision 08-05-2025

Similar companies · same sector, comparable size

Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,354 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-12-2023

Fiscal year end31-12

Activities, NACEBEL

43120Site preparation

49410Freight transport by road

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.