Financials
- Fiscal year
- 2025
- Total assets
- €198,429
- Profit
- €9,222
- Solvency
- 33.7%
Total assets▲ 21.6%
Net result
20202025
Tom Latet
ActiveSummary
Tom Latet has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66,809 and a net result of €9,222. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 32% of 10442 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Activities of building architects
NACE 71111
1 site
Size
€198,429total assets 2025
- Equity
- €66,809
- Profit
- €9,222
Turnover not published (abridged schema)
Structure
Accounts 31 d early0 of 2 deeds read
Why 89- 1 change of registered office in 24 months+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)+ Liquidity: current ratio 1.58, cash €103,834+ Size: total assets €198,429Show the evidence
Checked score
Score 2025
89
/ 100
Excellent
Probability in this band: under 0.55%
Better than 34% of its sector peers (NACE 71, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
59-38
equity 33.7% of total assets
Liquidity
75-19
short-term debt 50.7% · cash 52.3%
Profitability
68-27
return on assets 4.6%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 14 months
09-2025: < 0.1%
10-2025: < 0.1%● 0.0% vs 09-2025
11-2025: < 0.1%● 0.0% vs 10-2025
12-2025: < 0.1%● 0.0% vs 11-2025
01-2026: < 0.1%▼ -6.9% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%● 0.0% vs 02-2026lowest value
04-2026: < 0.1%▲ +63.0% vs 03-2026
05-2026: < 0.1%▲ +4.5% vs 04-2026
06-2026: < 0.1%● 0.0% vs 05-2026
07-2026: 0.1%▲ +204% vs 06-2026highest value
08-2026: 0.1%● 0.0% vs 07-2026highest value
09-2026: 0.1%● 0.0% vs 08-2026highest value
10-2026: 0.1%● 0.0% vs 09-2026highest value
- Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
- Liquidity: current ratio 1.58, cash €103,834 lowers the probability
- 1 change of registered office in 24 months raises the probability
- Size: total assets €198,429 lowers the probability for this profile
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 3.92 in 2024; short-term debt: 50.7% and cash: 52.3% of total assets), but 66.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 71, micro). Better than this share of them on solvency 33%, liquidity 63%, profitability 29%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
30 d early
2022
28 d early
2021
34 d early
2020
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 31 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €9,222 ▼73.1%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 9
- Since
- 2021
- Next accounts
- by 31-07-2027
- 30-06-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 01-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Activities of building architectsNACE 71111
- Founded
- 11-12-2019
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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