TOMANACO
ActiveSummary
TOMANACO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.6m and a net result of €332,586. Equity is growing by ~18.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability85▲+40
Solvency100=
Growth53▲+18
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140,000 at 30 days acceptable
Liquidity ample (current ratio 10.98; short-term debt: 9.1% and cash: 31.6% of total assets), and 9.3% 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
90.7%
Return on assets
18.9%
Age of the figures
21 mo
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
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 19-06-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
44 d early
2023
41 d early
2022
55 d early
2021
33 d early
2020
52 d early
2019
3 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 39 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 19 June (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 2024, full schema
Turnover
€10.4m▲ 149%
2023 · €4.2m
EBIT margin
4.1%▲ 2.5pp
2023 · 1.6%
Net result
€332,586▲ 760%
2023 · €38,666
Working capital
€1.6m▲ 20.8%
2023 · €1.3m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20202021202220232024
Turnover€17.0m▼ 15.5%€7.6m▼ 55.6%€62,333▼ 99.2%€4.2m▲ 6,584%€10.4m▲ 149%
Operating result€570,967▼ 30.6%€205,686▼ 64.0%-€39,686€66,326€425,569▲ 542%
Net result€439,697above the sector's middle half▼ 19.6%€102,609within the sector's middle half▼ 76.7%-€3,607below the sector's middle half€38,666within the sector's middle half€332,586above the sector's middle half▲ 760%
EBIT margin3.4%▼ 0.7pp2.7%▼ 0.6pp-63.7%▼ 66.4pp1.6%▲ 65.3pp4.1%▲ 2.5pp
Equity€1.1mabove the sector's middle half▲ 63.9%€1.2mabove the sector's middle half▲ 9.1%€1.2mabove the sector's middle half▼ 0.3%€1.3mabove the sector's middle half▲ 3.2%€1.6mabove the sector's middle half▲ 26.3%
Total assets€4.2mabove the sector's middle half▲ 3.2%€1.3mwithin the sector's middle half▼ 69.8%€1.2mwithin the sector's middle half▼ 2.2%€1.3mwithin the sector's middle half▲ 6.8%€1.8mwithin the sector's middle half▲ 32.5%
Debt€3.1m▼ 6.4%€43,514▼ 98.6%€18,543▼ 57.4%€64,266▲ 247%€163,440▲ 154%
Working capital€2.1mabove the sector's middle half▲ 58.2%€1.2mabove the sector's middle half▼ 43.5%€1.2mabove the sector's middle half▲ 1.3%€1.3mabove the sector's middle half▲ 8.0%€1.6mabove the sector's middle half▲ 20.8%
Solvency26.7%within the sector's middle half▲ 9.9pp96.6%above the sector's middle half▲ 69.8pp98.5%above the sector's middle half▲ 1.9pp95.2%above the sector's middle half▼ 3.3pp90.7%above the sector's middle half▼ 4.4pp
Current ratio2.05within the sector's middle half▲ 0.5529.37above the sector's middle half▲ 27.3267.27above the sector's middle half▲ 37.9010.98above the sector's middle half
Return on assets (ROA)10.4%within the sector's middle half▼ 3.0pp8.1%within the sector's middle half▼ 2.4pp-0.3%within the sector's middle half▼ 8.3pp2.9%within the sector's middle half▲ 3.2pp18.9%above the sector's middle half▲ 16.0pp
Staff (FTE)4.1within the sector's middle half▼ 4.7%4.1within the sector's middle half=0.7below the sector's middle half▼ 82.9%0below the sector's middle half▼ 100%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 542% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €1.8m
Equity
€1.6m ▲ 26.3%
Debt
€163,440 ▲ 154%
Debt's share of the balance-sheet total rises from 4.8% to 9.3%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.10▲
2023 · 0.05
ROE
20.8%▲
2023 · 3.1%
Debt ≤ 1 year
€160,440▲
2023 · €4,473
Income taxes
€107,965▲
2023 · €12,904
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 17,811 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €17.0m | €7.6m | €62,333 | €4.2m | €10.4m | ▲ 149% |
| Non-recurring operating income76A | - | - | - | €4,874 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €6.3m | €77,493 | €4.0m | €9.9m | ▲ 147% |
| Remuneration, social security and pensions62 | - | €285,668 | €24,308 | €55,871 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,260 | €18,169 | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€1,513 | -€800 | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€31,186 | - | - | - | - |
| Other operating charges640/8 | - | €799,504 | €1,018 | €22,961 | €20,288 | ▼ 11.6% |
| Gross operating margin9900 | €3.9m | €1.3m | -€15,160 | €145,157 | €445,856 | ▲ 207% |
| Operating profit (loss)9901 | €570,967 | €205,686 | -€39,686 | €66,326 | €425,569 | ▲ 542% |
| Financial income75/76B | - | €31,166 | €38,714 | €948 | €15,952 | ▲ 1,583% |
| Recurring financial income75 | €80,361 | €31,166 | €38,714 | €948 | €15,952 | ▲ 1,583% |
| Financial charges65/66B | - | €101,392 | €775 | €15,704 | €970 | ▼ 93.8% |
| Recurring financial charges65 | €66,489 | €101,392 | €775 | €15,704 | €970 | ▼ 93.8% |
| Profit (loss) for the period before taxes9903 | €584,839 | €135,460 | -€1,747 | €51,570 | €440,551 | ▲ 754% |
| Income taxes67/77 | €145,142 | €32,851 | €1,860 | €12,904 | €107,965 | ▲ 737% |
| Profit (loss) for the period9904 | €439,697 | €102,609 | -€3,607 | €38,666 | €332,586 | ▲ 760% |
| Transfer from tax-exempt reserves789 | - | - | €106,800 | €126,300 | - | - |
| Transfer to tax-exempt reserves689 | - | - | - | - | €164,190 | - |
| Profit (loss) for the period to be appropriated9905 | €313,397 | €102,609 | €103,193 | €164,966 | €168,396 | ▲ 2.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.2m | €1.3m | €1.2m | €1.3m | €1.8m | ▲ 32.5% |
| Fixed assets21/28 | €38,371 | €20,202 | - | - | - | - |
| Intangible fixed assets21 | €22,803 | €13,418 | - | - | - | - |
| Tangible fixed assets22/27 | €15,568 | €6,784 | - | - | - | - |
| Furniture and vehicles24 | - | €6,784 | - | - | - | - |
| Current assets29/58 | €4.2m | €1.3m | €1.2m | €1.3m | €1.8m | ▲ 32.5% |
| Stocks and contracts in progress3 | €2.2m | - | - | €644,644 | - | - |
| Stocks30/36 | - | - | - | €644,644 | - | - |
| Amounts receivable within one year40/41 | €1.4m | €726,075 | €1.1m | €434,336 | €1.2m | ▲ 172% |
| Trade receivables40 | - | €389,440 | €46,655 | €49,707 | €344,197 | ▲ 592% |
| Other amounts receivable41 | - | €336,635 | €1.1m | €384,629 | €837,832 | ▲ 118% |
| Cash at bank and in hand54/58 | €514,959 | €517,414 | €97,168 | €192,921 | €557,085 | ▲ 189% |
| Deferred charges and accrued income490/1 | - | €10,673 | €1,744 | €58,273 | €22,820 | ▼ 60.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.2m | €1.3m | €1.2m | €1.3m | €1.8m | ▲ 32.5% |
| Equity10/15 | €1.1m | €1.2m | €1.2m | €1.3m | €1.6m | ▲ 26.3% |
| Contributions10/11 | - | €20,000 | €20,000 | €22,000 | €22,000 | = |
| Reserves13 | €1.1m | €1.2m | €1.2m | €1.2m | €1.6m | ▲ 27.0% |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | - | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | - | - | - |
| Tax-exempt reserves132 | - | €233,100 | €126,300 | - | €164,190 | - |
| Distributable reserves133 | - | €970,000 | €1.1m | €1.2m | €1.4m | ▲ 13.7% |
| Profit (loss) carried forward14 | €13,141 | €5,750 | €2,143 | €3,908 | €2,304 | ▼ 41.0% |
| Provisions and deferred taxes16 | €31,186 | - | - | - | - | - |
| Amounts payable17/49 | €3.1m | €43,514 | €18,543 | €64,266 | €163,440 | ▲ 154% |
| Amounts payable after more than one year17 | €1.0m | - | - | - | - | - |
| Amounts payable within one year42/48 | €2.0m | €42,698 | €18,519 | €4,473 | €160,440 | ▲ 3,487% |
| Trade debts44 | €1.4m | €26,040 | €12,355 | €4,473 | €99,199 | ▲ 2,118% |
| Suppliers440/4 | - | €26,040 | €12,355 | €4,473 | €99,199 | ▲ 2,118% |
| Taxes, remuneration and social security45 | - | €9,233 | €2,561 | - | €1,241 | - |
| Taxes450/3 | - | €701 | €2,561 | - | €1,241 | - |
| Remuneration and social security454/9 | - | €8,532 | - | - | - | - |
| Other amounts payable47/48 | - | €7,425 | €3,603 | - | €60,000 | - |
| Accrued charges and deferred income492/3 | - | €816 | €24 | €59,793 | €3,000 | ▼ 95.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €439,697 | €102,609 | -€3,607 | €38,666 | €332,586 | ▲ 760% |
| + Depreciation and write-downs630 | €14,260 | €18,169 | - | - | - | - |
| Operating cash flow (approximation) | €453,957 | €120,778 | -€3,607 | €38,666 | €332,586 | ▲ 760% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | €2,455 | -€420,246 | €95,753 | €364,164 | ▲ 280% |
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
19-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €38,666
Net result €38,666 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 297.41
Current ratio from 67.27 to 297.41; short-term debt falls from €18,519 to €4,473.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet -€3,607
Net result drops to -€3,607, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 67.27
Current ratio from 29.37 to 67.27; short-term debt falls from €42,698 to €18,519.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity times 14current ratio 29.37
Current ratio from 2.05 to 29.37; short-term debt falls from €2.0m to €42,698.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €1mEq €1.1m ▲63.9%
3 profitable years in a row build equity to €1.1m.
Show earlier events
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €547,053 ▲475%
Operating result €822,615, net result €547,053, both a record.
31-12
Financial
Equity above €500,000Eq €688,544 ▲387%
2 profitable years in a row build equity to €688,544.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Tubize · 1 establishment unit since 2013
Ground area
6,312 m²
Building footprint
2,372 m²
Volume, LiDAR
17,599 m³
Parcel 25097C0575/00V002, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Tomanaco
since 20132.221.015.928
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25097C0575/00V002 | Wallonia | 6,312 m² | 1 · 2,372 m² | 10.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300KRRT2TJG8UAM09
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Of 12,951 companies in sector 47120 we hold annual accounts for 2,192. 704 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
Founded20-06-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
46499Wholesale of other household goods
46900Non-specialised wholesale trade
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0535852546
Also
9925:BE0535852546
Registered
06-01-2026
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.