TOMARI
ActiveSummary
TOMARI has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €639k and a net result of €-124k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability1▼-69
Solvency100▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.09 against 3.05 in 2024; short-term debt: 17% and cash: 28% of total assets), and 19.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
27 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-124k
2024 · €10k
2018: €5k
2019: €951▼ -81.4% vs 2018
2020: €74k▲ +7664% vs 2019highest in 8 years
2021: €44k▼ -40.2% vs 2020
2022: €59k▲ +33.0% vs 2021
2023: €22k▼ -62.4% vs 2022
2024: €10k▼ -55.5% vs 2023
2025: €-124k▼ -1363% vs 2024lowest in 8 years
2018 → 2025
Working capital
€417k▼ 7.8%
2024 · €453k
2018: €-98klowest in 8 years
2019: €263k▲ +369% vs 2018
2020: €321k▲ +21.8% vs 2019
2021: €382k▲ +19.2% vs 2020
2022: €436k▲ +14.2% vs 2021
2023: €429k▼ -1.8% vs 2022
2024: €453k▲ +5.6% vs 2023highest in 8 years
2025: €417k▼ -7.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€701k-€731k▲ 4.3%€753k▲ 3.0%€763k▲ 1.3%€639k▼ 16.3%
2021: €701k
2022: €731k▲ +4.3% vs 2021
2023: €753k▲ +3.0% vs 2022
2024: €763k▲ +1.3% vs 2023highest in 5 years
2025: €639k▼ -16.3% vs 2024lowest in 5 years
Operating result€87k-€109k▲ 25.0%€68k▼ 37.6%€34k▼ 50.1%€-108k
2021: €87k
2022: €109k▲ +25.0% vs 2021highest in 5 years
2023: €68k▼ -37.6% vs 2022
2024: €34k▼ -50.1% vs 2023
2025: €-108k▼ -419% vs 2024lowest in 5 years
Net result€44k-€59k▲ 33.0%€22k▼ 62.4%€10k▼ 55.5%€-124k
2021: €44k
2022: €59k▲ +33.0% vs 2021highest in 5 years
2023: €22k▼ -62.4% vs 2022
2024: €10k▼ -55.5% vs 2023
2025: €-124k▼ -1363% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €108k after €34k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €755k
Fixed assets
€202k ▼ 31.8%
Current assets
€553k ▼ 17.9%
Equity and liabilities €796k
Equity
€639k ▼ 16.3%
Debt
€157k ▼ 40.4%
Debt's share of the balance-sheet total falls from 25.7% to 19.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €147k
Cash flow
€-14k▼
2024 · €123k
Current ratio
4.09▲
2024 · 3.05
Quick ratio
2.81▲
2024 · 2.26
Debt to equity
0.25▼
2024 · 0.35
ROE
-19.4%▼
2024 · 1.3%
ROA
-15.6%▼
2024 · 1.0%
Interest coverage
0.09▼
2024 · 6.85
Debt ≤ 1 year
€135k▼
2024 · €220k
Debt > 1 year
€21k▼
2024 · €42k
Income taxes
€297▼
2024 · €7k
Staff costs
€424k▲
2024 · €412k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€796k▼
Formation expenses20€57k€41k▼
Fixed assets21/28€296k€202k▼
Tangible fixed assets22/27€296k€202k▼
Plant, machinery and equipment23€242k€176k▼
Furniture and vehicles24€50k€25k▼
Leasing and similar rights25€3k€670▼
Financial fixed assets28€558€633▲
Current assets29/58€673k€553k▼
Stocks and contracts in progress3€175k€173k▼
Stocks30/36€175k€173k▼
Amounts receivable within one year40/41€122k€142k▲
Trade receivables40€89k€89k▼
Other amounts receivable41€33k€54k▲
Cash at bank and in hand54/58€367k€223k▼
Deferred charges and accrued income490/1€9k€14k▲
Equity and liabilities
Total equity and liabilities10/49€1.03M€796k▼
Equity10/15€763k€639k▼
Contributions10/11€38k€38k=
Outside capital11€38k€38k=
Other1109/19€38k€38k=
Reserves13€169k€602k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€155k€587k▲
Profit (loss) carried forward14€556k-
Amounts payable17/49€264k€157k▼
Amounts payable after more than one year17€42k€21k▼
Financial debts170/4€42k€21k▼
Amounts payable within one year42/48€220k€135k▼
Current portion of amounts payable after more than one year42€86k€20k▼
Trade debts44€34k€37k▲
Suppliers440/4€34k€37k▲
Taxes, remuneration and social security45€100k€77k▼
Taxes450/3€24k€758▼
Remuneration and social security454/9€76k€76k▲
Other amounts payable47/48€353€353▼
Accrued charges and deferred income492/3€2k€820▼
Income statement
Code20242025
Remuneration, social security and pensions62€412k€424k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€113k€110k▼
Other operating charges640/8€16k€16k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€575k€443k▼
Operating profit (loss)9901€34k€-108k▼
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€21k€22k▲
Recurring financial charges65€21k€22k▲
Profit (loss) for the period before taxes9903€17k€-124k▼
Income taxes67/77€7k€297▼
Profit (loss) for the period9904€10k€-124k▼
Profit (loss) for the period to be appropriated9905€10k€-124k▼
Appropriation of the result
Profit (loss) to be appropriated9906€566k€432k▼
Profit (loss) brought forward from the previous period14P€556k€556k=
Transfer to equity691/2€10k€432k▲
To other reserves6921€10k€432k▲
Social balance
Average headcount (FTE)908712.511.1▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €308k | €351k | €390k | €412k | €424k | ▲ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €112k | €108k | €109k | €113k | €110k | ▼ 2.6% |
| Other operating charges640/8 | €6k | €3k | €3k | €16k | €16k | ▲ 0.2% |
| Non-recurring operating charges66A | €2k | €1k | - | - | €1k | - |
| Gross operating margin9900 | €514k | €571k | €570k | €575k | €443k | ▼ 22.9% |
| Operating profit (loss)9901 | €87k | €109k | €68k | €34k | €-108k | ▼ 419% |
| Financial income75/76B | €5k | €5k | €5k | €5k | €6k | ▲ 22.3% |
| Recurring financial income75 | €5k | €5k | €5k | €5k | €6k | ▲ 22.3% |
| Financial charges65/66B | €29k | €29k | €25k | €21k | €22k | ▲ 0.6% |
| Recurring financial charges65 | €29k | €29k | €25k | €21k | €22k | ▲ 0.6% |
| Profit (loss) for the period before taxes9903 | €63k | €85k | €48k | €17k | €-124k | ▼ 817% |
| Income taxes67/77 | €19k | €26k | €26k | €7k | €297 | ▼ 96.0% |
| Profit (loss) for the period9904 | €44k | €59k | €22k | €10k | €-124k | ▼ 1,363% |
| Profit (loss) for the period to be appropriated9905 | €44k | €59k | €22k | €10k | €-124k | ▼ 1,363% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.40M | €1.37M | €1.20M | €1.03M | €796k | ▼ 22.4% |
| Formation expenses20 | €102k | €87k | €71k | €57k | €41k | ▼ 27.6% |
| Fixed assets21/28 | €519k | €431k | €383k | €296k | €202k | ▼ 31.8% |
| Tangible fixed assets22/27 | €519k | €431k | €382k | €296k | €202k | ▼ 31.8% |
| Plant, machinery and equipment23 | €449k | €377k | €307k | €242k | €176k | ▼ 27.4% |
| Furniture and vehicles24 | €55k | €46k | €70k | €50k | €25k | ▼ 50.1% |
| Leasing and similar rights25 | €15k | €8k | €6k | €3k | €670 | ▼ 78.8% |
| Financial fixed assets28 | €558 | €558 | €558 | €558 | €633 | ▲ 13.4% |
| Current assets29/58 | €781k | €849k | €744k | €673k | €553k | ▼ 17.9% |
| Stocks and contracts in progress3 | €178k | €188k | €190k | €175k | €173k | ▼ 1.3% |
| Stocks30/36 | €178k | €188k | €190k | €175k | €173k | ▼ 1.3% |
| Amounts receivable within one year40/41 | €106k | €124k | €141k | €122k | €142k | ▲ 16.2% |
| Trade receivables40 | €83k | €97k | €118k | €89k | €89k | ▼ 0.7% |
| Other amounts receivable41 | €23k | €27k | €23k | €33k | €54k | ▲ 61.6% |
| Cash at bank and in hand54/58 | €477k | €521k | €395k | €367k | €223k | ▼ 39.2% |
| Deferred charges and accrued income490/1 | €20k | €16k | €17k | €9k | €14k | ▲ 62.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.40M | €1.37M | €1.20M | €1.03M | €796k | ▼ 22.4% |
| Equity10/15 | €701k | €731k | €753k | €763k | €639k | ▼ 16.3% |
| Contributions10/11 | €38k | €38k | €38k | €38k | €38k | = |
| Capital10 | €38k | €38k | €38k | - | - | - |
| Issued capital100 | €38k | €38k | €38k | - | - | - |
| Outside capital11 | - | - | - | €38k | €38k | = |
| Other1109/19 | - | - | - | €38k | €38k | = |
| Reserves13 | €107k | €138k | €160k | €169k | €602k | ▲ 255% |
| Non-distributable reserves130/1 | €4k | €4k | €4k | €4k | €4k | = |
| Legal reserve130 | €4k | €4k | €4k | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €4k | €4k | = |
| Tax-exempt reserves132 | €11k | €11k | €11k | €11k | €11k | = |
| Distributable reserves133 | €93k | €123k | €145k | €155k | €587k | ▲ 279% |
| Profit (loss) carried forward14 | €556k | €556k | €556k | €556k | - | - |
| Amounts payable17/49 | €702k | €636k | €445k | €264k | €157k | ▼ 40.4% |
| Amounts payable after more than one year17 | €299k | €213k | €128k | €42k | €21k | ▼ 49.0% |
| Financial debts170/4 | €299k | €213k | €128k | €42k | €21k | ▼ 49.0% |
| Amounts payable within one year42/48 | €399k | €413k | €315k | €220k | €135k | ▼ 38.7% |
| Current portion of amounts payable after more than one year42 | €92k | €86k | €85k | €86k | €20k | ▼ 76.3% |
| Financial debts43 | - | €7 | - | - | - | - |
| Credit institutions430/8 | - | €7 | - | - | - | - |
| Trade debts44 | €244k | €216k | €134k | €34k | €37k | ▲ 9.2% |
| Suppliers440/4 | €244k | €216k | €134k | €34k | €37k | ▲ 9.2% |
| Taxes, remuneration and social security45 | €62k | €90k | €96k | €100k | €77k | ▼ 22.6% |
| Taxes450/3 | €6k | €29k | €33k | €24k | €758 | ▼ 96.8% |
| Remuneration and social security454/9 | €57k | €61k | €63k | €76k | €76k | ▲ 0.3% |
| Other amounts payable47/48 | €353 | €20k | €353 | €353 | €353 | ▼ 0.1% |
| Accrued charges and deferred income492/3 | €4k | €11k | €2k | €2k | €820 | ▼ 46.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44k | €59k | €22k | €10k | €-124k | ▼ 1,363% |
| + Depreciation and write-downs630 | €112k | €108k | €109k | €113k | €110k | ▼ 2.6% |
| Operating cash flow (approximation) | €156k | €166k | €131k | €123k | €-14k | ▼ 111% |
| Investment in fixed assets (approximation) | - | €-19k | €-61k | €-26k | €-16k | ▲ 39.8% |
| Change in cash | - | €44k | €-126k | €-29k | €-144k | ▼ 397% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-124k
Net result drops to €-124k, the lowest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €74k ▲7,664%
Net result €74k, the highest in the series.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 64 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Neufchâteau · 1 establishment unit since 1996
Ground area
4,085 m²
Building footprint
1,024 m²
Volume, LiDAR
3,595 m³
Parcel 84043A0201/00Y007, Wallonia · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Avenue de la Gare,NEU 45, 6840 Neufchâteau
since 19962.077.313.594
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84043A0201/00Y007 | Wallonia | 4,085 m² | 1 · 1,024 m² | 6.3 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
Food safety, FASFC
1 siteNeufchâteau2.077.313.594
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Of 697 companies in sector 46392 we hold annual accounts for 483. 330 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
Founded28-06-1996
Fiscal year end31-12
Activities, NACEBEL 2025
46392Non-specialised wholesale
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.