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Tom Wils

Active
Private limited companyfounded 20206 yrs activeSpoelstraat 22, 2580 Putte, BelgiumKBO/BCE: BE 0740.869.469
Summary

Tom Wils has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,000 and a net result of €61,002. Equity is shrinking by ~32.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 12% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch ReportCompare
Tom WilsActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
Plumbing work
NACE 43221
1 site
Size
€153,805total assets 2025
Equity
€10,000
Profit
€61,002
Turnover not published (abridged schema)
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
0.7%
Structure
Accounts 107 d early0 of 2 deeds read
Why 68- Equity €10,000 (6.5% of total assets)- Sector Specialised construction activities (NACE 43)- Founded in 2020+ Liquidity: current ratio 0.92, cash €71,150Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 39% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 32-34
equity 6.5% of total assets
Liquidity 51-12
short-term debt 88.6% · cash 46.3%
Profitability 100=
return on assets 39.7%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,133 companies)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%▲ +0.5% vs 11-2024 01-2025: 0.6%▲ +2.0% vs 12-2024 02-2025: 0.6%▲ +1.0% vs 01-2025 03-2025: 0.6%▼ -1.3% vs 02-2025 04-2025: 0.7%▲ +10.0% vs 03-2025 05-2025: 0.9%▲ +29.5% vs 04-2025 06-2025: 0.9%▲ +1.5% vs 05-2025 07-2025: 0.9%▼ -0.2% vs 06-2025 08-2025: 0.9%▲ +2.7% vs 07-2025highest value 09-2025: 0.9%▼ -3.5% vs 08-2025 10-2025: 0.9%● 0.0% vs 09-2025 11-2025: 0.9%▲ +0.7% vs 10-2025 12-2025: 0.9%▲ +0.2% vs 11-2025 01-2026: 0.9%▼ -0.1% vs 12-2025 02-2026: 0.9%● 0.0% vs 01-2026 03-2026: 0.9%● 0.0% vs 02-2026 04-2026: 0.5%▼ -46.1% vs 03-2026lowest value 05-2026: 0.7%▲ +52.8% vs 04-2026 06-2026: 0.7%● 0.0% vs 05-2026 07-2026: 0.7%● 0.0% vs 06-2026 08-2026: 0.7%● 0.0% vs 07-2026 09-2026: 0.7%● 0.0% vs 08-2026 10-2026: 0.7%● 0.0% vs 09-2026
  • Liquidity: current ratio 0.92, cash €71,150 lowers the probability
  • Equity €10,000 (6.5% of total assets) raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Founded in 2020 raises the probability for this profile
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.92 against 1.49 in 2024; short-term debt: 88.6% and cash: 46.3% of total assets), and 93.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 12%, liquidity 45%, profitability 93%, growth against the median 5%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 0.92, cash €71,150
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Equity €10,000 (6.5% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Founded in 2020
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 32341 sector peers (2025).
NBB · sector comparison
Position among 32341 sector peers
Solvency
better than 12%
← weakest strongest →
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 15-04-2026, 107 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
107 d early
2024
31 d early
2023
30 d early
2022
27 d early
2021
34 d early
2020
33 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 44 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 30 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Equity fell in 2025from €63,135 to €10,000 ▼ 84.2% View
  • Caution: Among the weakest 12% on solvencysector median 47.2% · 32,341 companies 6.5% View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Positive: 6 profitable years in a rowprofit 2025: €61,002 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€153,805
Profit
€61,002
Solvency
6.5%
Total assets▼ 0.5%
Net result
20202025
Go to Financials

Timeline

Events
10
Since
2021
Next accounts
by 31-07-2027
  1. 15-04-2026Annual accounts filed
  2. 30-06-2025Annual accounts filed
  3. 01-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Plumbing workNACE 43221
Founded
07-01-2020
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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