Tom Turck
ActiveSummary
Tom Turck has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,167 and a net result of €15,319. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 80% of 28281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+28
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 4.06 against 1.84 in 2024; short-term debt: 24.6% and cash: 77% of total assets), and 24.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
75.4%
Return on assets
34.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €33,167
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
44 d early
2023
30 d early
2022
19 d early
2021
30 d early
2020
23 d early
2019
37 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 33 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€33,167▲ 85.8%
2024 · €17,848
Total assets
€44,012▲ 15.3%
2024 · €38,188
Net result
€15,319▲ 23.5%
2024 · €12,406
Working capital
€33,167▲ 94.3%
2024 · €17,071
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€6,803▼ 54.8%-€20,710-€4,698▲ 77.3%€10,934€14,998▲ 37.2%
Net result€4,184within the sector's middle half▼ 73.8%-€17,509below the sector's middle half-€2,446below the sector's middle half▲ 86.0%€12,406within the sector's middle half€15,319within the sector's middle half▲ 23.5%
Equity€25,397within the sector's middle half▲ 19.7%€7,888below the sector's middle half▼ 68.9%€5,442below the sector's middle half▼ 31.0%€17,848below the sector's middle half▲ 228%€33,167within the sector's middle half▲ 85.8%
Total assets€91,108within the sector's middle half▲ 4.4%€71,115within the sector's middle half▼ 21.9%€41,860below the sector's middle half▼ 41.1%€38,188below the sector's middle half▼ 8.8%€44,012below the sector's middle half▲ 15.3%
Debt€65,711▼ 0.5%€63,227▼ 3.8%€36,418▼ 42.4%€20,340▼ 44.1%€10,845▼ 46.7%
Working capital€23,054within the sector's middle half▲ 24.1%€5,280within the sector's middle half▼ 77.1%€3,728below the sector's middle half▼ 29.4%€17,071within the sector's middle half▲ 358%€33,167within the sector's middle half▲ 94.3%
Solvency27.9%within the sector's middle half▲ 3.6pp11.1%below the sector's middle half▼ 16.8pp13.0%below the sector's middle half▲ 1.9pp46.7%within the sector's middle half▲ 33.7pp75.4%above the sector's middle half▲ 28.6pp
Current ratio1.35within the sector's middle half▲ 0.071.08below the sector's middle half▼ 0.271.10within the sector's middle half▲ 0.021.84within the sector's middle half▲ 0.744.06above the sector's middle half▲ 2.22
Return on assets (ROA)4.6%within the sector's middle half▼ 13.7pp-24.6%below the sector's middle half▼ 29.2pp-5.8%below the sector's middle half▲ 18.8pp32.5%above the sector's middle half▲ 38.3pp34.8%above the sector's middle half▲ 2.3pp
Staff (FTE)1.8▲ 50.0%1.8=2▲ 11.1%1.1▼ 45.0%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €44,012
Equity
€33,167 ▲ 85.8%
Debt
€10,845 ▼ 46.7%
Debt's share of the balance-sheet total falls from 53.3% to 24.6%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.33▼
2024 · 1.14
ROE
46.2%▼
2024 · 69.5%
Debt ≤ 1 year
€10,845▼
2024 · €20,340
Staff costs
€36,432▼
2024 · €57,414
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €19,673 | - |
| Remuneration, social security and pensions62 | €57,370 | €80,535 | €89,528 | €57,414 | €36,432 | ▼ 36.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,046 | €643 | €937 | €937 | - | - |
| Other operating charges640/8 | €1,730 | €1,754 | €2,103 | €3,183 | €2,150 | ▼ 32.5% |
| Gross operating margin9900 | €67,949 | €62,222 | €87,870 | €72,468 | €53,580 | ▼ 26.1% |
| Operating profit (loss)9901 | €6,803 | -€20,710 | -€4,698 | €10,934 | €14,998 | ▲ 37.2% |
| Financial income75/76B | €2,169 | €3,553 | €2,305 | €1,533 | €366 | ▼ 76.1% |
| Recurring financial income75 | €2,169 | €3,553 | €2,305 | €1,533 | €366 | ▼ 76.1% |
| Financial charges65/66B | €100 | €352 | €53 | €61 | €45 | ▼ 26.2% |
| Recurring financial charges65 | €100 | €352 | €53 | €61 | €45 | ▼ 26.2% |
| Profit (loss) for the period before taxes9903 | €8,872 | -€17,509 | -€2,446 | €12,406 | €15,319 | ▲ 23.5% |
| Income taxes67/77 | €4,688 | - | - | - | - | - |
| Profit (loss) for the period9904 | €4,184 | -€17,509 | -€2,446 | €12,406 | €15,319 | ▲ 23.5% |
| Transfer from tax-exempt reserves789 | €26,785 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €30,969 | -€17,509 | -€2,446 | €12,406 | €15,319 | ▲ 23.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €91,108 | €71,115 | €41,860 | €38,188 | €44,012 | ▲ 15.3% |
| Fixed assets21/28 | €2,343 | €2,651 | €1,714 | €777 | - | - |
| Tangible fixed assets22/27 | €2,343 | €2,651 | €1,714 | €777 | - | - |
| Plant, machinery and equipment23 | €2,343 | €2,651 | €1,714 | €777 | - | - |
| Current assets29/58 | €88,765 | €68,464 | €40,146 | €37,411 | €44,012 | ▲ 17.6% |
| Stocks and contracts in progress3 | €4,398 | €16,344 | €1,009 | €1,727 | - | - |
| Stocks30/36 | €4,398 | €16,344 | €1,009 | €1,727 | - | - |
| Amounts receivable within one year40/41 | €37,491 | €21,625 | €35,758 | €16,274 | €8,920 | ▼ 45.2% |
| Trade receivables40 | €32,681 | €16,524 | €28,162 | €13,826 | €449 | ▼ 96.8% |
| Other amounts receivable41 | €4,810 | €5,101 | €7,596 | €2,448 | €8,471 | ▲ 246% |
| Cash at bank and in hand54/58 | €45,113 | €28,765 | €1,335 | €17,200 | €33,872 | ▲ 96.9% |
| Deferred charges and accrued income490/1 | €1,763 | €1,730 | €2,044 | €2,210 | €1,220 | ▼ 44.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €91,108 | €71,115 | €41,860 | €38,188 | €44,012 | ▲ 15.3% |
| Equity10/15 | €25,397 | €7,888 | €5,442 | €17,848 | €33,167 | ▲ 85.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €6,797 | €6,797 | €6,797 | €6,797 | €14,567 | ▲ 114% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €4,937 | €4,937 | €4,937 | €4,937 | €12,707 | ▲ 157% |
| Profit (loss) carried forward14 | - | -€17,509 | -€19,955 | -€7,549 | - | - |
| Amounts payable17/49 | €65,711 | €63,227 | €36,418 | €20,340 | €10,845 | ▼ 46.7% |
| Amounts payable within one year42/48 | €65,711 | €63,184 | €36,418 | €20,340 | €10,845 | ▼ 46.7% |
| Trade debts44 | €14,010 | €8,840 | €1,875 | €10,341 | €2,769 | ▼ 73.2% |
| Suppliers440/4 | €14,010 | €8,840 | €1,875 | €10,341 | €2,769 | ▼ 73.2% |
| Taxes, remuneration and social security45 | €5,271 | €12,318 | €6,219 | €320 | €8,076 | ▲ 2,424% |
| Taxes450/3 | €5,179 | €5,120 | €360 | €320 | €8,076 | ▲ 2,424% |
| Remuneration and social security454/9 | €92 | €7,198 | €5,859 | - | - | - |
| Other amounts payable47/48 | €46,430 | €42,026 | €28,324 | €9,679 | - | - |
| Accrued charges and deferred income492/3 | - | €43 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,184 | -€17,509 | -€2,446 | €12,406 | €15,319 | ▲ 23.5% |
| + Depreciation and write-downs630 | €2,046 | €643 | €937 | €937 | - | - |
| Operating cash flow (approximation) | €6,230 | -€16,866 | -€1,509 | €13,343 | €15,319 | ▲ 14.8% |
| Investment in fixed assets (approximation) | - | -€951 | €0 | €0 | - | - |
| Change in cash | - | -€16,348 | -€27,430 | €15,865 | €16,672 | ▲ 5.1% |
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 4.06
Current ratio from 1.84 to 4.06; short-term debt falls from €20,340 to €10,845.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €12,406
Net result €12,406 after 2 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€17,509
Net result drops to -€17,509, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €15,975 ▲1,897%
Operating result €15,041, net result €15,975, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Staden · 1 establishment unit since 2008
Ground area
747 m²
Building footprint
198 m²
Volume, LiDAR
844 m³
Parcel 36014C0169/00X000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Tom Turck
since 20082.173.680.126
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014C0169/00X000 | Flanders | 747 m² | 1 · 198 m² | 7.8 m · 1 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.
Recognitions · licences · registrations
Dual-learning approval
1 endedDakdekker leien en pannen (so)
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,139. 6,935 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 (pre-2019)
Founded07-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43332Laying of wooden floor and wall coverings
43410Roofing work
46130Agents in the wholesale of timber and building materials
71111Activities of building architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0806897270
Also
9925:BE0806897270
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.