Tom Schür
ActiveSummary
The computed 12-month bankruptcy probability of Tom Schür is 1.6% (moderate). The 2025 annual accounts show equity of €137,999 and a net result of €134,999. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency99
Growth-
Track record67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days only on tighter terms
Liquidity ample (current ratio 4.08; short-term debt: 23.5% and cash: 85.7% of total assets), and 25.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
74.1%
Return on assets
72.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
€137,999
Total assets
€186,358
Net result
€134,999
Working capital
€134,978
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €186,358
Fixed assets
€7,573
Current assets
€178,785
Equity and liabilities €186,358
Equity
€137,999
Debt
€48,360
Debt finances 25.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€178,401
Cash flow
€139,204
Current ratio
4.08
Debt to equity
0.35
ROE
97.8%
ROA
72.4%
Interest coverage
1783.66
Debt ≤ 1 year
€43,808
Income taxes
€39,098
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,205 |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €557 |
| Gross operating margin9900 | €178,958 |
| Operating profit (loss)9901 | €174,196 |
| Financial charges65/66B | €100 |
| Recurring financial charges65 | €100 |
| Profit (loss) for the period before taxes9903 | €174,096 |
| Income taxes67/77 | €39,098 |
| Profit (loss) for the period9904 | €134,999 |
| Profit (loss) for the period to be appropriated9905 | €134,999 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €186,358 | |
| Fixed assets21/28 | €7,573 | |
| Tangible fixed assets22/27 | €7,573 | |
| Furniture and vehicles24 | €7,573 | |
| Current assets29/58 | €178,785 | |
| Current investments50/53 | €6,000 | |
| Cash at bank and in hand54/58 | €159,693 | |
| Deferred charges and accrued income490/1 | €13,093 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €186,358 | |
| Equity10/15 | €137,999 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | €134,999 | |
| Amounts payable17/49 | €48,360 | |
| Amounts payable within one year42/48 | €43,808 | |
| Trade debts44 | €310 | |
| Suppliers440/4 | €310 | |
| Taxes, remuneration and social security45 | €43,498 | |
| Taxes450/3 | €41,498 | |
| Remuneration and social security454/9 | €2,000 | |
| Accrued charges and deferred income492/3 | €4,552 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €134,999 |
| + Depreciation and write-downs630 | €4,205 |
| Operating cash flow (approximation) | €139,204 |
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Büllingen · 1 establishment unit since 2024
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.
Losheimergraben 174760 Büllingen1 establishment unit
Tom Schür
since 20242.365.332.627
Identification & contact
Identification
Legal formPrivate limited company
Founded15-10-2024
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.