TOM ROTTIERS
ActiveTOM ROTTIERS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €417k and a net result of €79k. Equity is growing by ~42.6% per year across the filed fiscal years. Its solvency ranks better than 13% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-17
Solvency36▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.82 in 2024; short-term debt: 22.3% and cash: 8.6% of total assets), and 89.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.8%
Return on assets
2.1%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7692 sector peers (2025).
NBB · sector comparisonPosition among 7692 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2022
30 d late
2021
5 d early
2020
31 d early
2019
55 d late
2018
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€417k▲ 23.4%
2024 · €338k
2018: €35k
2019: €66k
2020: €79k
2021: €121k
2022: €276k
2024: €338k
2018 → 2025
Total assets
€3.85M▼ 4.2%
2024 · €4.02M
2018: €298k
2019: €269k
2020: €274k
2021: €472k
2022: €1.01M
2024: €4.02M
2018 → 2025
Net result
€79k▲ 26.8%
2024 · €62k
2018: €10k
2019: €31k
2020: €14k
2021: €49k
2022: €155k
2024: €62k
2018 → 2025
Working capital
€-146k▲ 30.5%
2024 · €-210k
2018: €-20k
2019: €-2k
2020: €17k
2021: €91k
2022: €252k
2024: €-210k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€79k-€121k▲ 52.3%€276k▲ 128%€338k▲ 22.6%€417k▲ 23.4%
Operating result€25k-€72k▲ 186%€182k▲ 152%€140k▼ 23.1%€248k▲ 76.8%
Net result€14k-€49k▲ 259%€155k▲ 218%€62k▼ 59.7%€79k▲ 26.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 77% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.85M
Fixed assets
€3.14M▲ 2.1%
Current assets
€711k▼ 24.7%
Equity and liabilities €3.85M
Equity
€417k▲ 23.4%
Debt
€3.43M▼ 6.8%
The debt ratio falls from 91.6% to 89.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€547k▼
2024 · €603k
Cash flow
€378k▼
2024 · €525k
Solvency
10.8%▲
2024 · 8.4%
Current ratio
0.83▲
2024 · 0.82
Quick ratio
0.82▲
2024 · 0.80
Debt / equity
8.24▼
2024 · 10.90
ROE
18.9%▲
2024 · 18.4%
ROA
2.1%▲
2024 · 1.5%
Interest coverage
3.97▼
2024 · 10.22
Debt
€3.43M▼
2024 · €3.68M
Debt ≤ 1 year
€857k▼
2024 · €1.15M
Debt > 1 year
€2.58M▲
2024 · €2.53M
Income taxes
€33k▲
2024 · €20k
Staff costs
€104k▼
2024 · €187k
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€4.02M€3.85M▼
Fixed assets21/28€3.08M€3.14M▲
Tangible fixed assets22/27€3.07M€3.14M▲
Land and buildings22€2.20M€2.25M▲
Plant, machinery and equipment23€5k€81k▲
Furniture and vehicles24€141k€129k▼
Leasing and similar rights25€732k€680k▼
Financial fixed assets28€3k€3k=
Current assets29/58€945k€711k▼
Amounts receivable after more than one year29€200k-
Other amounts receivable291€200k-
Stocks and contracts in progress3€25k€5k▼
Stocks30/36€25k€5k▼
Amounts receivable within one year40/41€466k€347k▼
Trade receivables40€374k€227k▼
Other amounts receivable41€91k€121k▲
Current investments50/53€29k€29k=
Cash at bank and in hand54/58€225k€329k▲
Equity and liabilities
Total equity and liabilities10/49€4.02M€3.85M▼
Equity10/15€338k€417k▲
Contributions10/11€19k€19k=
Reserves13€319k€398k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€317k€396k▲
Amounts payable17/49€3.68M€3.43M▼
Amounts payable after more than one year17€2.53M€2.58M▲
Financial debts170/4€2.38M€2.40M▲
Other amounts payable178/9€152k€175k▲
Amounts payable within one year42/48€1.15M€857k▼
Current portion of amounts payable after more than one year42€208k€312k▲
Financial debts43€712€156k▲
Credit institutions430/8€712€156k▲
Trade debts44€736k€333k▼
Suppliers440/4€736k€333k▼
Taxes, remuneration and social security45€27k€39k▲
Taxes450/3€21k€36k▲
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48€182k€17k▼
Income statement
Code20242025
Non-recurring operating income76A€17k-
Remuneration, social security and pensions62€187k€104k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€463k€299k▼
Other operating charges640/8€120k€29k▼
Gross operating margin9900€910k€680k▼
Operating profit (loss)9901€140k€248k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€59k€138k▲
Recurring financial charges65€59k€138k▲
Profit (loss) for the period before taxes9903€83k€112k▲
Income taxes67/77€20k€33k▲
Profit (loss) for the period9904€62k€79k▲
Profit (loss) for the period to be appropriated9905€62k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€79k▲
Transfer to equity691/2€62k€79k▲
To other reserves6921€62k€79k▲
Social balance
Average headcount (FTE)90872.62.2▼
The notes to these accounts (10 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €155k ▲218%
Net result €155k, the highest in the series.
31-12
Financial
Equity above €200kEq €276k ▲128%
5 profitable years in a row build equity to €276k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €121k ▲52.3%
4 profitable years in a row build equity to €121k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Heist-op-den-Berg · 1 establishment unit since 2013
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.
Heistse Hoekstraat 10D2220 Heist-op-den-BergGround area
876 m²
Building footprint
160 m²
Volume, LiDAR
899 m³
Parcel 12322I0649/00R000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOM ROTTIERS
since 20132.218.573.805
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0649/00R000 | Flanders | 876 m² | 1 · 160 m² | 8.8 m · 2 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 categoriesTOM ROTTIERS BV41905
Similar companies · same sector, comparable size
CARI-DESIGN
BE 0437.255.214
Nivelles · Eq €420k
POST SEBASTIAN
BE 0667.690.590
Eupen · Eq €413k
Onderneming Louis Verbeke en Zonen
BE 0424.595.526
Lede · Eq €412k
COCHET
BE 0832.058.971
Huldenberg · Eq €412k
ETS BONSIGNORE
BE 0691.684.036
Liège · Eq €423k
Of 3,962 companies in sector 43331 we hold annual accounts for 1,791. 1,140 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2013
Fiscal year end30-06
Activities, NACEBEL
43331Floor and wall tiling
43230Insulation installation
43291Specialised construction activities
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
43422Screed work
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.