Summary
Tomafin 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 €261,718 and a net result of €95,029. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 62% of 8091 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-05-2026, 63 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
63 d early
2024
34 d early
2023
8 d late
2022
67 d early
2021
41 d early
2020
32 d early
2019
53 d late
← 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 25 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 20 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€261,718▼ 8.7%
2024 · €286,689
Net result
€95,029▼ 28.2%
2024 · €132,412
Total assets
€400,456▲ 31.7%
2024 · €304,075
Solvency
65.4%▼ 28.9pp
2024 · 94.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€36,180€95,053▲ 163%€113,818▲ 19.7%€147,492▲ 29.6%€138,262▼ 6.3%
Net result€31,046within the sector's middle half€73,349within the sector's middle half▲ 136%€89,928above the sector's middle half▲ 22.6%€132,412above the sector's middle half▲ 47.2%€95,029above the sector's middle half▼ 28.2%
Equity€49,823within the sector's middle half▲ 145%€123,172within the sector's middle half▲ 147%€154,276within the sector's middle half▲ 25.3%€286,689within the sector's middle half▲ 85.8%€261,718within the sector's middle half▼ 8.7%
Total assets€72,841below the sector's middle half▲ 140%€159,684within the sector's middle half▲ 119%€188,001within the sector's middle half▲ 17.7%€304,075within the sector's middle half▲ 61.7%€400,456within the sector's middle half▲ 31.7%
Debt€23,018▲ 131%€36,512▲ 58.6%€33,724▼ 7.6%€17,387▼ 48.4%€138,738▲ 698%
Working capital€43,569within the sector's middle half▲ 180%€117,130within the sector's middle half▲ 169%€140,231within the sector's middle half▲ 19.7%€275,685above the sector's middle half▲ 96.6%€224,954above the sector's middle half▼ 18.4%
Solvency68.4%within the sector's middle half▲ 1.3pp77.1%above the sector's middle half▲ 8.7pp82.1%above the sector's middle half▲ 4.9pp94.3%above the sector's middle half▲ 12.2pp65.4%within the sector's middle half▼ 28.9pp
Current ratio2.89within the sector's middle half▲ 0.334.21above the sector's middle half▲ 1.325.16above the sector's middle half▲ 0.9516.86above the sector's middle half▲ 11.702.80within the sector's middle half▼ 14.06
Return on assets (ROA)42.6%above the sector's middle half▲ 93.1pp45.9%above the sector's middle half▲ 3.3pp47.8%above the sector's middle half▲ 1.9pp43.5%above the sector's middle half▼ 4.3pp23.7%within the sector's middle half▼ 19.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400,456
Fixed assets
€50,527 ▲ 359%
Current assets
€349,929 ▲ 19.4%
Equity and liabilities €400,456
Equity
€261,718 ▼ 8.7%
Debt
€138,738 ▲ 698%
Debt's share of the balance-sheet total rises from 5.7% to 34.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
36.3%▼
2024 · 46.2%
Debt ≤ 1 year
€124,975▲
2024 · €17,387
Income taxes
€46,089▲
2024 · €17,109
Staff costs
€0▼
2024 · €82
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €82 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,703 | €2,176 | €2,504 | €4,920 | €12,434 | ▲ 153% |
| Other operating charges640/8 | €550 | €552 | €493 | €1,505 | €520 | ▼ 65.5% |
| Gross operating margin9900 | €38,432 | €97,781 | €116,816 | €153,999 | €151,216 | ▼ 1.8% |
| Operating profit (loss)9901 | €36,180 | €95,053 | €113,818 | €147,492 | €138,262 | ▼ 6.3% |
| Financial income75/76B | €0 | €106 | €918 | €2,205 | €3,432 | ▲ 55.7% |
| Recurring financial income75 | €0 | €106 | €918 | €2,205 | €3,432 | ▲ 55.7% |
| Financial charges65/66B | €747 | €1,336 | €269 | €175 | €575 | ▲ 228% |
| Recurring financial charges65 | €747 | €1,336 | €269 | €175 | €575 | ▲ 228% |
| Profit (loss) for the period before taxes9903 | €35,434 | €93,823 | €114,467 | €149,522 | €141,119 | ▼ 5.6% |
| Income taxes67/77 | €4,388 | €20,474 | €24,539 | €17,109 | €46,089 | ▲ 169% |
| Profit (loss) for the period9904 | €31,046 | €73,349 | €89,928 | €132,412 | €95,029 | ▼ 28.2% |
| Profit (loss) for the period to be appropriated9905 | €31,046 | €73,349 | €89,928 | €132,412 | €95,029 | ▼ 28.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €72,841 | €159,684 | €188,001 | €304,075 | €400,456 | ▲ 31.7% |
| Fixed assets21/28 | €6,254 | €6,042 | €14,046 | €11,004 | €50,527 | ▲ 359% |
| Tangible fixed assets22/27 | €6,254 | €6,042 | €14,046 | €11,004 | €50,527 | ▲ 359% |
| Land and buildings22 | €2,923 | €2,607 | €2,291 | €1,975 | €1,658 | ▼ 16.0% |
| Plant, machinery and equipment23 | €1,490 | €1,271 | €1,052 | €833 | €2,687 | ▲ 222% |
| Furniture and vehicles24 | €1,840 | €2,163 | €10,703 | €8,196 | €46,182 | ▲ 463% |
| Current assets29/58 | €66,588 | €153,643 | €173,955 | €293,072 | €349,929 | ▲ 19.4% |
| Amounts receivable within one year40/41 | €16,197 | €24,214 | €25,965 | €27,385 | €25,493 | ▼ 6.9% |
| Trade receivables40 | €16,093 | €24,214 | €25,504 | €26,714 | €21,296 | ▼ 20.3% |
| Other amounts receivable41 | €104 | - | €462 | €672 | €4,197 | ▲ 525% |
| Current investments50/53 | - | €25,360 | €49,557 | €127,557 | €157,319 | ▲ 23.3% |
| Cash at bank and in hand54/58 | €49,490 | €103,105 | €98,296 | €138,130 | €165,511 | ▲ 19.8% |
| Deferred charges and accrued income490/1 | €901 | €963 | €136 | €0 | €1,606 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €72,841 | €159,684 | €188,001 | €304,075 | €400,456 | ▲ 31.7% |
| Equity10/15 | €49,823 | €123,172 | €154,276 | €286,689 | €261,718 | ▼ 8.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €31,223 | €104,572 | €135,676 | €268,089 | €243,118 | ▼ 9.3% |
| Amounts payable17/49 | €23,018 | €36,512 | €33,724 | €17,387 | €138,738 | ▲ 698% |
| Amounts payable within one year42/48 | €23,018 | €36,512 | €33,724 | €17,387 | €124,975 | ▲ 619% |
| Trade debts44 | €8,336 | €3,971 | €4,290 | €2,888 | €6,927 | ▲ 140% |
| Suppliers440/4 | €8,336 | €3,971 | €4,290 | €2,888 | €6,927 | ▲ 140% |
| Taxes, remuneration and social security45 | €14,683 | €32,390 | €17,755 | €5,473 | €16,049 | ▲ 193% |
| Taxes450/3 | €14,683 | €32,390 | €17,755 | €5,473 | €16,049 | ▲ 193% |
| Other amounts payable47/48 | - | €151 | €11,679 | €9,026 | €102,000 | ▲ 1,030% |
| Accrued charges and deferred income492/3 | - | - | - | - | €13,763 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,046 | €73,349 | €89,928 | €132,412 | €95,029 | ▼ 28.2% |
| + Depreciation and write-downs630 | €1,703 | €2,176 | €2,504 | €4,920 | €12,434 | ▲ 153% |
| Operating cash flow (approximation) | €32,749 | €75,525 | €92,432 | €137,332 | €107,463 | ▼ 21.7% |
| Investment in fixed assets (approximation) | - | -€1,964 | -€10,508 | -€1,878 | -€51,957 | ▼ 2,667% |
| Change in cash | - | €53,615 | -€4,808 | €39,833 | €27,382 | ▼ 31.3% |
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
27-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €132,412 ▲47.2%
Operating result €147,492, net result €132,412, both a record.
31-12
Financial
Liquidity triplescurrent ratio 16.86
Current ratio from 5.16 to 16.86; short-term debt falls from €33,724 to €17,387.
31-12
Financial
Equity above €200,000Eq €286,689 ▲85.8%
4 profitable years in a row build equity to €286,689.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Equity above €150,000Eq €154,276 ▲25.3%
3 profitable years in a row build equity to €154,276.
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €123,172 ▲147%
2 profitable years in a row build equity to €123,172.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €31,046
Net result €31,046 after one loss-making year.
Show earlier events
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€15,280
Net result drops to -€15,280, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
Financial milestoneState Gazette actNBB 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, Edegem · 1 establishment unit since 2018
Ground area
394 m²
Building footprint
93 m²
Volume, LiDAR
684 m³
Parcel 11472C0389/00X000, Flanders · tallest building 8.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tomafin
since 20182.282.526.794
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0389/00X000 | Flanders | 394 m² | 1 · 93 m² | 8.6 m · 3 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.
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Of 806 companies in sector 64999 we hold annual accounts for 487. 317 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
Founded22-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0711955947
Also
9925:BE0711955947
Registered
22-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.