Summary
TOMA Consulting is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €26,045 and a net result of €141,045. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 16% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-12-2021 Normal situation
- Activity
- Activities of holding companies NACE 64210and 5 others
- Establishment unit
- 2.326.263.797 9070 Destelbergen, since 09-12-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €141,045
- ▼ 16.5%
- Equity
- €26,045
- ▼ 92.6%
- Total assets
- €276,960
- ▼ 32.5%
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9754 sector peers (2025).
NBB · sector comparisonPosition among 9754 sector peers
Solvency
better than 16%
← 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 13-07-2026, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 days early
2024
51 days early
2023
35 days early
2022
54 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 40 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 13-07-2026 at the NBB all 4 filings
Equity
€26,045▼ 92.6%
2024 · €353,218
Net result
€141,045▼ 16.5%
2024 · €168,880
Total assets
€276,960▼ 32.5%
2024 · €410,513
Solvency
9.4%▼ 76.6pp
2024 · 86.0%
Multi-year overview
2022 to 2025, 4 financial yearsOperating result
€179,471
▼ 14.8%
2025
20222025
Net result
€141,045
▼ 16.5%
2025
highest quarter of the sector
20222025
Equity
€26,045
▼ 92.6%
2025
lowest quarter of the sector
20222025
Total assets
€276,960
▼ 32.5%
2025
middle half of the sector
20222025
Debt
€250,915
▲ 338%
2025
20222025
Working capital
€18,875
▼ 94.5%
2025
middle half of the sector
20222025
Solvency
9.4%
▼ 76.6pp
2025
lowest quarter of the sector
20222025
Current ratio
1.08
▼ 5.94
2025
middle half of the sector
20222025
Return on assets (ROA)
50.9%
▲ 9.8pp
2025
highest quarter of the sector
20222025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2022202320242025
Operating result€93,536-€138,036▲ 47.6%€210,690▲ 52.6%€179,471▼ 14.8%
Net result€74,207within the sector's middle half-€107,623above the sector's middle half▲ 45.0%€168,880above the sector's middle half▲ 56.9%€141,045above the sector's middle half▼ 16.5%
Equity€78,407within the sector's middle half-€185,197within the sector's middle half▲ 136%€353,218within the sector's middle half▲ 90.7%€26,045below the sector's middle half▼ 92.6%
Total assets€96,151below the sector's middle half-€220,922within the sector's middle half▲ 130%€410,513within the sector's middle half▲ 85.8%€276,960within the sector's middle half▼ 32.5%
Debt€17,744-€35,725▲ 101%€57,296▲ 60.4%€250,915▲ 338%
Working capital€78,407within the sector's middle half-€185,197above the sector's middle half▲ 136%€344,803above the sector's middle half▲ 86.2%€18,875within the sector's middle half▼ 94.5%
Solvency81.5%above the sector's middle half-83.8%above the sector's middle half▲ 2.3pp86.0%above the sector's middle half▲ 2.2pp9.4%below the sector's middle half▼ 76.6pp
Current ratio5.42above the sector's middle half-6.18above the sector's middle half▲ 0.777.02above the sector's middle half▲ 0.831.08within the sector's middle half▼ 5.94
Return on assets (ROA)77.2%above the sector's middle half-48.7%above the sector's middle half▼ 28.5pp41.1%above the sector's middle half▼ 7.6pp50.9%above the sector's middle half▲ 9.8pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 15% lower than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276,960
Fixed assets
€7,547 ▼ 10.3%
Current assets
€269,414 ▼ 33.0%
Equity and liabilities €276,960
Equity
€26,045 ▼ 92.6%
Debt
€250,915 ▲ 338%
Debt's share of the balance-sheet total rises from 14.0% to 90.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
541.5%▲
2024 · 47.8%
Debt ≤ 1 year
€250,539▲
2024 · €57,296
Income taxes
€41,441▼
2024 · €50,137
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | €9,349 | €1,095 |
| Depreciation and write-downs of the year | €1,200 | - | €934 | €1,963 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,200 | - | €934 | €1,963 | ▲ 110% |
| Other operating charges640/8 | €863 | €880 | €745 | €760 | ▲ 1.9% |
| Gross operating margin9900 | €95,598 | €138,916 | €212,370 | €182,193 | ▼ 14.2% |
| Operating profit (loss)9901 | €93,536 | €138,036 | €210,690 | €179,471 | ▼ 14.8% |
| Financial income75/76B | - | - | €9,280 | €3,446 | ▼ 62.9% |
| Recurring financial income75 | - | - | €9,280 | €3,446 | ▼ 62.9% |
| Financial charges65/66B | €298 | €563 | €953 | €431 | ▼ 54.8% |
| Recurring financial charges65 | €298 | €563 | €953 | €431 | ▼ 54.8% |
| Profit (loss) for the period before taxes9903 | €93,238 | €137,473 | €219,017 | €182,486 | ▼ 16.7% |
| Income taxes67/77 | €19,032 | €29,850 | €50,137 | €41,441 | ▼ 17.3% |
| Profit (loss) for the period9904 | €74,207 | €107,623 | €168,880 | €141,045 | ▼ 16.5% |
| Profit (loss) for the period to be appropriated9905 | €74,207 | €107,623 | €168,880 | €141,045 | ▼ 16.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €96,151 | €220,922 | €410,513 | €276,960 | ▼ 32.5% |
| Fixed assets21/28 | - | - | €8,414 | €7,547 | ▼ 10.3% |
| Tangible fixed assets22/27 | - | - | €8,414 | €7,547 | ▼ 10.3% |
| Plant, machinery and equipment23 | - | - | - | €1,002 | - |
| Furniture and vehicles24 | - | - | €8,414 | €6,545 | ▼ 22.2% |
| Current assets29/58 | €96,151 | €220,922 | €402,099 | €269,414 | ▼ 33.0% |
| Amounts receivable within one year40/41 | €38,741 | €18,319 | €74,047 | €84,335 | ▲ 13.9% |
| Trade receivables40 | €37,026 | €18,150 | €72,974 | €76,537 | ▲ 4.9% |
| Other amounts receivable41 | €1,715 | €169 | €1,072 | €7,798 | ▲ 627% |
| Current investments50/53 | - | €175,000 | €230,000 | €150,000 | ▼ 34.8% |
| Cash at bank and in hand54/58 | €57,410 | €27,323 | €97,612 | €34,807 | ▼ 64.3% |
| Deferred charges and accrued income490/1 | - | €280 | €440 | €272 | ▼ 38.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €96,151 | €220,922 | €410,513 | €276,960 | ▼ 32.5% |
| Equity10/15 | €78,407 | €185,197 | €353,218 | €26,045 | ▼ 92.6% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €73,407 | €180,197 | €348,218 | €21,045 | ▼ 94.0% |
| Distributable reserves133 | €73,407 | €180,197 | €348,218 | €21,045 | ▼ 94.0% |
| Amounts payable17/49 | €17,744 | €35,725 | €57,296 | €250,915 | ▲ 338% |
| Amounts payable within one year42/48 | €17,744 | €35,725 | €57,296 | €250,539 | ▲ 337% |
| Trade debts44 | €600 | €9,021 | €37,191 | €46,883 | ▲ 26.1% |
| Suppliers440/4 | €600 | €9,021 | €37,191 | €46,883 | ▲ 26.1% |
| Taxes, remuneration and social security45 | €16,344 | €25,645 | €19,246 | €12,763 | ▼ 33.7% |
| Taxes450/3 | €16,344 | €25,645 | €19,246 | €12,763 | ▼ 33.7% |
| Other amounts payable47/48 | €800 | €1,059 | €859 | €190,893 | ▲ 222× |
| Accrued charges and deferred income492/3 | - | - | - | €376 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €74,207 | €107,623 | €168,880 | €141,045 | ▼ 16.5% |
| + Depreciation and write-downs630 | €1,200 | - | €934 | €1,963 | ▲ 110% |
| Operating cash flow (approximation) | €75,407 | €107,623 | €169,814 | €143,008 | ▼ 15.8% |
| Investment in fixed assets (approximation) | - | - | - | -€1,095 | - |
| Change in cash | - | -€30,087 | €70,289 | -€62,805 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
1 director
MAES TOM
Current
Director · listed in the 2025 annual accounts, filed on 13-07-2026
Owners and capital
Owners
Network & group
TOMA Consulting shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of TOMA Consulting. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
13-07
micro format · 18 days before the deadline
2025
10-06
micro format · 51 days before the deadline
2024
31-12
Financial
Highest result from 2022 to 2025net €168,880 ▲56.9%
The operating result of €210,690 and the net result of €168,880 are both a record.
31-12
Financial
Equity above €200,000equity €353,218 ▲90.7%
With a profit in every financial year since 2022, equity grows to €353,218.
26-06
micro format · 35 days before the deadline
2023
31-12
Financial
Equity above €150,000equity €185,197 ▲136%
With a profit in every financial year since 2022, equity grows to €185,197.
07-06
micro format · 54 days before the deadline
2021
13-12
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
TOMA Consulting in Dutch
Enterprise number
0778.427.770
Legal form
Private limited company
Status
Active, normale toestand
Founded
09-12-2021
Entity type
Legal entity
Registered office and establishments
Registered office
Melkwegel(HEU) 70, 9070 Destelbergen, Belgium
Establishment unit
TOMA Consulting, Melkwegel(HEU) 70, 9070 Destelbergen since 09-12-2021 · unit number 2.326.263.79770100 Activities of head offices
Activities
NACEBEL 202564210
Activities of holding companies main activity
70100
Activities of head offices
70200
Business and other management consultancy
73300
Public relations and communication consultancy
82100
Office administrative and support services
82990
Other business support services
Codes under NACEBEL 2008
64200
Holdings main activity
70100
Activities of head offices
70210
Activities of head offices; management consultancy activities
70220
Business consulting
82110
Office administrative, office support and other business support activities
82990
Other business support services
Invoicing and payment
VAT number
BE 0778.427.770
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
2,661 m²
Building footprint
240 m²
Building volume
1,025 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44028A0624/00K002 | Flanders | 2,661 m² | 1 · 240 m² | 11.3 m · 2 |