TOM PROJECTS
ActiveSummary
The computed 12-month bankruptcy probability of TOM PROJECTS is 2.0% (moderate). The 2025 annual accounts show equity of €235k and a net result of €-6k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 7500 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-42
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 9.34 against 8.67 in 2024; short-term debt: 10.7% and cash: 10.8% of total assets), and 11.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
16 d late
2023
on the day
2022
3 d early
2021
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€235k▼ 2.4%
2024 · €241k
2021: €136klowest in 5 years
2022: €226k▲ +66.6% vs 2021
2023: €228k▲ +0.7% vs 2022
2024: €241k▲ +5.5% vs 2023highest in 5 years
2025: €235k▼ -2.4% vs 2024
2021 → 2025
Total assets
€265k▼ 3.5%
2024 · €275k
2021: €366khighest in 5 years
2022: €292k▼ -20.4% vs 2021
2023: €278k▼ -4.8% vs 2022
2024: €275k▼ -0.9% vs 2023
2025: €265k▼ -3.5% vs 2024lowest in 5 years
2021 → 2025
Net result
€-6k
2024 · €13k
2021: €86k
2022: €91k▲ +6.3% vs 2021highest in 5 years
2023: €2k▼ -97.3% vs 2022
2024: €13k▲ +408% vs 2023
2025: €-6k▼ -145% vs 2024lowest in 5 years
2021 → 2025
Working capital
€237k▼ 0.2%
2024 · €237k
2021: €308khighest in 5 years
2022: €220k▼ -28.4% vs 2021lowest in 5 years
2023: €224k▲ +1.7% vs 2022
2024: €237k▲ +6.0% vs 2023
2025: €237k▼ -0.2% vs 2024
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€226k▲ 66.6%€228k▲ 0.7%€241k▲ 5.5%€235k▼ 2.4%
2021: €136klowest in 5 years
2022: €226k▲ +66.6% vs 2021
2023: €228k▲ +0.7% vs 2022
2024: €241k▲ +5.5% vs 2023highest in 5 years
2025: €235k▼ -2.4% vs 2024
Operating result€122k-€117k▼ 3.3%€5k▼ 96.0%€17k▲ 275%€-6k
2021: €122khighest in 5 years
2022: €117k▼ -3.3% vs 2021
2023: €5k▼ -96.0% vs 2022
2024: €17k▲ +275% vs 2023
2025: €-6k▼ -132% vs 2024lowest in 5 years
Net result€86k-€91k▲ 6.3%€2k▼ 97.3%€13k▲ 408%€-6k
2021: €86k
2022: €91k▲ +6.3% vs 2021highest in 5 years
2023: €2k▼ -97.3% vs 2022
2024: €13k▲ +408% vs 2023
2025: €-6k▼ -145% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €17k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €265k
Equity
€235k ▼ 2.4%
Debt
€30k ▼ 11.5%
Debt's share of the balance-sheet total falls from 12.5% to 11.5%. Equity and debt are lower.
Key figures and ratios
Current ratio
9.34▲
2024 · 8.67
Quick ratio
1.04▼
2024 · 1.05
Debt to equity
0.13▼
2024 · 0.14
ROE
-2.4%▼
2024 · 5.2%
ROA
-2.1%▼
2024 · 4.6%
Debt ≤ 1 year
€28k▼
2024 · €31k
Income taxes
€-101▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€275k€265k▼
Fixed assets21/28€7k-
Tangible fixed assets22/27€7k-
Plant, machinery and equipment23€2k-
Furniture and vehicles24€5k-
Current assets29/58€268k€265k▼
Stocks and contracts in progress3€236k€236k=
Stocks30/36€236k€236k=
Amounts receivable within one year40/41€11k-
Trade receivables40€9k-
Other amounts receivable41€2k-
Cash at bank and in hand54/58€21k€29k▲
Deferred charges and accrued income490/1€867€881▲
Equity and liabilities
Total equity and liabilities10/49€275k€265k▼
Equity10/15€241k€235k▼
Contributions10/11€50k€50k=
Reserves13€191k€185k▼
Distributable reserves133€191k€185k▼
Amounts payable17/49€34k€30k▼
Amounts payable within one year42/48€31k€28k▼
Trade debts44€874€821▼
Suppliers440/4€874€821▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€5k€1k▼
Remuneration and social security454/9€8k€8k=
Other amounts payable47/48€18k€19k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€314-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€688€539▼
Gross operating margin9900€20k€-5k▼
Operating profit (loss)9901€17k€-6k▼
Financial charges65/66B€1k€149▼
Recurring financial charges65€1k€149▼
Profit (loss) for the period before taxes9903€16k€-6k▼
Income taxes67/77€4k€-101▼
Profit (loss) for the period9904€13k€-6k▼
Profit (loss) for the period to be appropriated9905€13k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-6k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€13k-
To other reserves6921€13k-
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €314 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €438 | €1k | €2k | €1k | - | - |
| Other operating charges640/8 | €2k | €854 | €550 | €688 | €539 | ▼ 21.6% |
| Gross operating margin9900 | €124k | €120k | €7k | €20k | €-5k | ▼ 126% |
| Operating profit (loss)9901 | €122k | €117k | €5k | €17k | €-6k | ▼ 132% |
| Financial income75/76B | €423 | - | - | - | - | - |
| Recurring financial income75 | €423 | - | - | - | - | - |
| Financial charges65/66B | €14k | €2k | €1k | €1k | €149 | ▼ 87.4% |
| Recurring financial charges65 | €14k | €2k | €1k | €1k | €149 | ▼ 87.4% |
| Profit (loss) for the period before taxes9903 | €108k | €115k | €3k | €16k | €-6k | ▼ 135% |
| Income taxes67/77 | €22k | €24k | €787 | €4k | €-101 | ▼ 103% |
| Profit (loss) for the period9904 | €86k | €91k | €2k | €13k | €-6k | ▼ 145% |
| Profit (loss) for the period to be appropriated9905 | €86k | €91k | €2k | €13k | €-6k | ▼ 145% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €366k | €292k | €278k | €275k | €265k | ▼ 3.5% |
| Fixed assets21/28 | €9k | €10k | €8k | €7k | - | - |
| Tangible fixed assets22/27 | €9k | €10k | €8k | €7k | - | - |
| Plant, machinery and equipment23 | €4k | €4k | €3k | €2k | - | - |
| Furniture and vehicles24 | €5k | €6k | €5k | €5k | - | - |
| Current assets29/58 | €357k | €282k | €269k | €268k | €265k | ▼ 1.1% |
| Stocks and contracts in progress3 | €276k | €28k | €236k | €236k | €236k | = |
| Stocks30/36 | €276k | €315 | €236k | €236k | €236k | = |
| Contracts in progress37 | - | €28k | - | - | - | - |
| Amounts receivable within one year40/41 | €15k | €24k | €15k | €11k | - | - |
| Trade receivables40 | €6k | €24k | €15k | €9k | - | - |
| Other amounts receivable41 | €9k | €535 | - | €2k | - | - |
| Cash at bank and in hand54/58 | €55k | €229k | €17k | €21k | €29k | ▲ 36.6% |
| Deferred charges and accrued income490/1 | €11k | €759 | €1k | €867 | €881 | ▲ 1.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €366k | €292k | €278k | €275k | €265k | ▼ 3.5% |
| Equity10/15 | €136k | €226k | €228k | €241k | €235k | ▼ 2.4% |
| Contributions10/11 | €50k | €50k | €50k | €50k | €50k | = |
| Reserves13 | €86k | €176k | €178k | €191k | €185k | ▼ 3.0% |
| Distributable reserves133 | €86k | €176k | €178k | €191k | €185k | ▼ 3.0% |
| Amounts payable17/49 | €231k | €65k | €49k | €34k | €30k | ▼ 11.5% |
| Amounts payable after more than one year17 | €170k | - | - | - | - | - |
| Financial debts170/4 | €170k | - | - | - | - | - |
| Amounts payable within one year42/48 | €50k | €62k | €45k | €31k | €28k | ▼ 8.2% |
| Trade debts44 | €5k | €2k | €6k | €874 | €821 | ▼ 6.0% |
| Suppliers440/4 | €5k | €2k | €6k | €874 | €821 | ▼ 6.0% |
| Taxes, remuneration and social security45 | €25k | €31k | €5k | €12k | €9k | ▼ 27.3% |
| Taxes450/3 | €23k | €25k | €5k | €5k | €1k | ▼ 72.5% |
| Remuneration and social security454/9 | €2k | €5k | €500 | €8k | €8k | = |
| Other amounts payable47/48 | €20k | €29k | €34k | €18k | €19k | ▲ 4.4% |
| Accrued charges and deferred income492/3 | €11k | €3k | €4k | €3k | €2k | ▼ 41.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €86k | €91k | €2k | €13k | €-6k | ▼ 145% |
| + Depreciation and write-downs630 | €438 | €1k | €2k | €1k | - | - |
| Operating cash flow (approximation) | €86k | €93k | €4k | €14k | €-6k | ▼ 140% |
| Investment in fixed assets (approximation) | - | €-2k | €0 | €6 | - | - |
| Change in cash | - | €175k | €-212k | €4k | €8k | ▲ 89.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2021net €91k ▲6.3%
Net result €91k, the highest in the series.
30-09
Financial
Equity above €200kEq €226k ▲66.6%
2 profitable years in a row build equity to €226k.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Lede · 1 establishment unit since 2020
Ground area
566 m²
Building footprint
141 m²
Volume, LiDAR
866 m³
Parcel 41034C0347/00F000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
TOM PROJECTS
since 20202.302.607.873
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034C0347/00F000 | Flanders | 566 m² | 1 · 141 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,451 companies in sector 41003 we hold annual accounts for 1,055. 697 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-04-2020
Fiscal year end30-09
Activities, NACEBEL 2025
41003General construction of other non-residential buildings
68121Development of residential building projects
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.