TOM's CAR
ActiveTOM's CAR has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €8k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-36
Solvency44▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.9 in 2024; short-term debt: 55.8% and cash: 0.3% of total assets), and 81.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← 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
18.6%
Return on assets
2.9%
Age of the figures
12 mo
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
44 d early
2021
30 d early
2020
16 d early
2019
on the day
← before the deadline
after the deadline →
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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 18.1%
2024 · €42k
2018: €5k
2019: €7k
2020: €21k
2021: €38k
2022: €44k
2023: €25k
2024: €42k
2018 → 2025
Total assets
€268k▲ 14.9%
2024 · €233k
2018: €259k
2019: €225k
2020: €244k
2021: €243k
2022: €231k
2023: €222k
2024: €233k
2018 → 2025
Net result
€8k▼ 55.1%
2024 · €17k
2018: €4k
2019: €2k
2020: €14k
2021: €17k
2022: €6k
2023: €-19k
2024: €17k
2018 → 2025
Working capital
€-21k▼ 44.1%
2024 · €-15k
2018: €46k
2019: €41k
2020: €47k
2021: €31k
2022: €12k
2023: €-21k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€44k▲ 15.4%€25k▼ 42.6%€42k▲ 67.7%€50k▲ 18.1%
Operating result€28k-€13k▼ 52.1%€-12k€28k€42k▲ 48.8%
Net result€17k-€6k▼ 65.3%€-19k€17k€8k▼ 55.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €268k
Fixed assets
€139k▲ 33.0%
Current assets
€128k=
Equity and liabilities €268k
Equity
€50k▲ 18.1%
Debt
€218k▲ 14.2%
The debt ratio falls from 81.9% to 81.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €44k
Cash flow
€22k▼
2024 · €33k
Solvency
18.6%▲
2024 · 18.1%
Current ratio
0.86▼
2024 · 0.90
Quick ratio
0.78▼
2024 · 0.81
Debt / equity
4.37▼
2024 · 4.52
ROE
15.3%▼
2024 · 40.4%
ROA
2.9%▼
2024 · 7.3%
Interest coverage
1.91▼
2024 · 5.54
Debt
€218k▲
2024 · €191k
Debt ≤ 1 year
€149k▲
2024 · €143k
Debt > 1 year
€68k▲
2024 · €48k
Income taxes
€5k▲
2024 · €4k
Staff costs
€58k▲
2024 · €57k
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€233k€268k▲
Fixed assets21/28€105k€139k▲
Intangible fixed assets21€346€180▼
Tangible fixed assets22/27€104k€139k▲
Land and buildings22€87k€126k▲
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€124€124=
Current assets29/58€128k€128k=
Stocks and contracts in progress3€13k€12k▼
Stocks30/36€13k€12k▼
Amounts receivable within one year40/41€92k€103k▲
Trade receivables40€92k€103k▲
Cash at bank and in hand54/58€11k€735▼
Deferred charges and accrued income490/1€12k€12k▼
Equity and liabilities
Total equity and liabilities10/49€233k€268k▲
Equity10/15€42k€50k▲
Contributions10/11€19k€19k=
Reserves13€23k€30k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€21k€28k▲
Profit (loss) carried forward14€927€1k▲
Amounts payable17/49€191k€218k▲
Amounts payable after more than one year17€48k€68k▲
Financial debts170/4€48k€68k▲
Amounts payable within one year42/48€143k€149k▲
Current portion of amounts payable after more than one year42€18k€30k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€52k€47k▼
Suppliers440/4€52k€47k▼
Advances received on contracts in progress46€867-
Taxes, remuneration and social security45€55k€44k▼
Taxes450/3€51k€33k▼
Remuneration and social security454/9€5k€12k▲
Other amounts payable47/48€17k€25k▲
Income statement
Code20242025
Remuneration, social security and pensions62€57k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€13k
Other operating charges640/8€8k€11k▲
Non-recurring operating charges66A€3k€4k▲
Gross operating margin9900€111k€143k▲
Operating profit (loss)9901€28k€42k▲
Financial income75/76B€305€350▲
Recurring financial income75€305€350▲
Financial charges65/66B€8k€30k▲
Recurring financial charges65€8k€30k▲
Profit (loss) for the period before taxes9903€21k€13k▼
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€17k€8k▼
Profit (loss) for the period to be appropriated9905€17k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€9k▲
Profit (loss) brought forward from the previous period14P€-11k€927▲
Transfer to equity691/2€5k€8k▲
To other reserves6921€5k€8k▲
The notes to these accounts (13 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-19k ▼419%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Bekkevoort · 1 establishment unit since 1998
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.
Steenberg 163460 BekkevoortGround area
980 m²
Building footprint
301 m²
Volume, LiDAR
2,368 m³
Parcel 24008B0156/00F000, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TOM'S CAR
since 19982.089.457.994
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24008B0156/00F000 | Flanders | 980 m² | 1 · 301 m² | 11.8 m · 3 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.
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ANNA COMPANY
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Of 7,376 companies in sector 95311 we hold annual accounts for 2,959. 2,103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-11-1998
Fiscal year end30-09
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.