Debts
€217,881 81% of the balance sheet
Financial debts 33%Suppliers 22%Taxes and wages 20%Other 25%
Of this, €149,382 falls due within a year.
TOM's CAR
Lifetime
19 annual accounts with figures on one time axis, 27 filings since 1999peak €143,274 (2025)
€143,274▲ 28.7%
lowest -€37,700 (2008)
€7,641▼ 55.1%
peak €49,819 (2025)
€49,819▲ 18.1%
€217,881▲ 14.2%
peak 1.7 FTE (2009)
-not published
Board2 names since 2022
1 directorWILLEMS YVAN
Documentsfilings and deeds
30-04-2026on the last day
2025micro format
Gross margin from €111,315 to €143,274Result from €17,030 to €7,641Equity from €42,178 to €49,819Investments €49,204Cash from €10,629 to €735
Key points
from the 2025 annual accountsInvestments
€49,204 3.4 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 44.9% higher than in 2024.
Filings
27 annual accounts since 1999
The last five annual accounts were filed 0 to 44 days before the end of the period.
Checked score
80
Excellent
Financially stronger than 33% of micro companies in repair of computers and personal goods (NACE 95)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 5,138 companies (NACE 95, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%
01-2025: 1.9%● unchanged vs 12-2024highest value
02-2025: 0.9%▼ -1.0 percentage point vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025
04-2025: 1.1%▲ +0.2 percentage points vs 03-2025
05-2025: 1.5%▲ +0.4 percentage points vs 04-2025
06-2025: 0.4%▼ -1.1 percentage points vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.3%▼ -0.1 percentage points vs 09-2025lowest value
11-2025: 0.3%● unchanged vs 10-2025lowest value
12-2025: 0.3%● unchanged vs 11-2025lowest value
01-2026: 0.4%▲ +0.1 percentage points vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.6%▲ +0.2 percentage points vs 03-2026
05-2026: 0.9%▲ +0.3 percentage points vs 04-2026
06-2026: 0.5%▼ -0.4 percentage points vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.86, cash €735, halved
Sector: Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
lowers risk
Founded in 1998
Size: total assets €267,700
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro). It does better than 30% of them on solvency, 15% on liquidity, 23% on profitability and 66% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,984 companies had the same profile as TOM's CAR has now. Each dot stands for 10 companies, two years later.
96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of TOM's CAR itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,984 companies, not a prediction for TOM's CAR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.86 (0.9 in 2024), below 1. Short-term debt is 55.8% and cash 0.3% of total assets. 81.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2021
30 days early
2020
16 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 95), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 30 April (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Environmental permit granted
Een grond gebruiken, aanleggen of inrichten, Nieuwbouw of aanleggen · Bekkevoort
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0464644747
Registered office moved within Bekkevoort
New registered office: Steenberg 16, 3460 Bekkevoort · Previous registered office: Steenberg 1, 3460 Bekkevoort · General meeting of 01-07-2022 · Gazette deed
Environmental permit granted
Een grond gebruiken, aanleggen of inrichten, Nieuwbouw of aanleggen · Bekkevoort
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TOM's CAR Bekkevoort | €267,700 | €143,274 | 18.6% | - |
| D.J.V. Florennes | €252,564 | €152,422 | 29.5% | - |
| VISE DIESEL Visé | €297,369 | €150,312 | 87.3% | - |
| GARAGE TOBY Woluwe-Saint-Lambert | €259,439 | €163,607 | 42.7% | - |
| GARAGE CRIS Deinze | €240,987 | €143,593 | 59.0% | - |
| Garage P & P Putte | €293,981 | €166,531 | 81.7% | - |
| GARAGE SILVANO Genk | €315,835 | €131,862 | 56.1% | - |
These companies have the same main activity as TOM's CAR: general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311). They are comparable in size and age: total assets between €241,000 and €316,000, founded between 1998 and 2001.
Official details
Source: KBO- Status
- Active since 24-11-1998Normal situation
- Activity
- General maintenance and repair of cars and light vans (up to 3.5 tonnes)NACE 95311and 2 others
- Joint committee
- 112Garages · annual accounts 30-09-2025
- Establishment unit
- 2.089.457.9943460 Bekkevoort, since 03-12-1998
- Financial year end
- 30 September
- Peppol
- Reachable since 12-12-2025
Annual accounts to 30-09-2025
- ≈ €430,000estimated
- €267,700▲ 14.9%
- Employeeson 30-09-2025
- 1=
- Filing
- Filed on 30-04-2026, on the last day of the filing period
Insights on TOM's CAR
TOM's CAR files the micro format. That format states no turnover. The gross margin rose from €84,377 in 2007 to €143,274 in 2025.
The balance sheet grew most from 2008 to 2009 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TOM's CAR
- What is the company number of TOM's CAR?
- The company number of TOM's CAR is 0464.644.747. The VAT number is the same number with BE in front: BE 0464.644.747.
- Where is TOM's CAR based?
- The registered office is at Steenberg 16, 3460 Bekkevoort.Company details
- What does TOM's CAR do?
- According to the KBO register, the main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311).
- What is the legal form of TOM's CAR?
- TOM's CAR is a private limited company (pre-2019) (BVBA).
- When was TOM's CAR founded?
- TOM's CAR was founded on 24-11-1998.
- Is TOM's CAR still active?
- Yes, TOM's CAR is an active enterprise in the KBO register.
- How many employees does TOM's CAR have?
- TOM's CAR had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does TOM's CAR fall under?
- In its 30-09-2025 annual accounts, TOM's CAR states joint committee 112 (Garages).
- What is the turnover of TOM's CAR?
- The turnover in financial year 2025 is ≈ €430,000. This figure is estimated from the gross margin of €143,274 and 44 comparable companies (NACE 953). It probably lies between €340,000 and €580,000.
- Is TOM's CAR profitable?
- In financial year 2025, TOM's CAR made a profit of €7,641.
- Where can I find the annual accounts of TOM's CAR?
- TOM's CAR filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TOM's CAR due?
- TOM's CAR must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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