TOMBAR
ActiveSummary
The computed 12-month bankruptcy probability of TOMBAR is 2.2% (moderate). The 2024 annual accounts show equity of €811,812 and a net result of €343,640. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 6537 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability79▼-8
Solvency44▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.89 in 2023; short-term debt: 32.7% and cash: 15.6% of total assets), and 80.7% of the assets are financed with debt.
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Signals
Six 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
19.3%
Return on assets
8.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
12 d early
2022
66 d late
2021
39 d late
2020
5 d late
2019
8 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 11 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
In the rankings
#4 employer in Gembloux, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€343,640▼ 23.3%
2023 · €448,307
Working capital
-€536,517▼ 441%
2023 · -€99,249
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
Operating result€202,242▲ 924%€190,754▼ 5.7%€31,167▼ 83.7%€530,000▲ 1,600%€518,538▼ 2.2%
Net result€187,076above the sector's middle half▲ 478%€179,501above the sector's middle half▼ 4.0%€13,229within the sector's middle half▼ 92.6%€448,307above the sector's middle half▲ 3,289%€343,640above the sector's middle half▼ 23.3%
Equity€289,429within the sector's middle half▲ 183%€468,930within the sector's middle half▲ 62.0%€482,160within the sector's middle half▲ 2.8%€691,758within the sector's middle half▲ 43.5%€811,812within the sector's middle half▲ 17.4%
Total assets€2.5mabove the sector's middle half▲ 146%€2.0mwithin the sector's middle half▼ 21.9%€1.4mwithin the sector's middle half▼ 29.2%€3.0mabove the sector's middle half▲ 116%€4.2mabove the sector's middle half▲ 39.8%
Debt€2.2m▲ 142%€1.5m▼ 32.9%€908,123▼ 39.2%€2.3m▲ 155%€3.4m▲ 46.5%
Working capital-€199,775▲ 50.5%-€208,476▼ 4.4%-€171,287▲ 17.8%-€99,249▲ 42.1%-€536,517▼ 441%
Solvency11.5%below the sector's middle half▲ 1.5pp23.9%within the sector's middle half▲ 12.4pp34.7%within the sector's middle half▲ 10.8pp23.0%within the sector's middle half▼ 11.7pp19.3%within the sector's middle half▼ 3.7pp
Staff (FTE)19.7above the sector's middle half18above the sector's middle half▼ 8.6%33.2above the sector's middle half▲ 84.4%
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
The operating result falls in 2024; 2024 is 2% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.2m
Fixed assets
€3.4m ▲ 51.9%
Current assets
€838,094 ▲ 5.8%
Equity and liabilities €4.2m
Equity
€811,812 ▲ 17.4%
Debt
€3.4m ▲ 46.5%
Debt's share of the balance-sheet total rises from 77.0% to 80.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€944,062▲
2023 · €798,988
Cash flow
€769,164▲
2023 · €717,295
Current ratio
0.61▼
2023 · 0.89
Quick ratio
0.58▼
2023 · 0.86
Debt to equity
4.18▲
2023 · 3.35
ROE
42.3%▼
2023 · 64.8%
ROA
8.2%▼
2023 · 14.9%
Interest coverage
8.66▼
2023 · 20.89
Debt ≤ 1 year
€1.4m▲
2023 · €891,434
Debt > 1 year
€2.0m▲
2023 · €1.4m
Income taxes
€80,133▲
2023 · €66,709
Staff costs
€1.2m▲
2023 · €648,825
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,677 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.3%
went bankrupt
1.2%
stopped otherwise
97%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 2,677 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €48,333 | €418,068 | - | - |
| Remuneration, social security and pensions62 | - | €478,198 | €714,573 | €648,825 | €1.2m | ▲ 92.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €84,204 | €119,867 | €129,321 | €268,988 | €425,523 | ▲ 58.2% |
| Other operating charges640/8 | - | €2,982 | €9,309 | €11,876 | €10,751 | ▼ 9.5% |
| Non-recurring operating charges66A | - | - | €3,379 | €208,169 | €856 | ▼ 99.6% |
| Gross operating margin9900 | €623,341 | €791,801 | €887,749 | €1.7m | €2.2m | ▲ 32.2% |
| Operating profit (loss)9901 | €202,242 | €190,754 | €31,167 | €530,000 | €518,538 | ▼ 2.2% |
| Financial income75/76B | - | €24,222 | €4,047 | €23,263 | €14,281 | ▼ 38.6% |
| Recurring financial income75 | €36,759 | €24,222 | €4,047 | €23,263 | €14,281 | ▼ 38.6% |
| Financial charges65/66B | - | €10,448 | €22,207 | €38,247 | €109,046 | ▲ 185% |
| Recurring financial charges65 | €4,925 | €10,448 | €11,735 | €38,247 | €109,046 | ▲ 185% |
| Non-recurring financial charges66B | - | - | €10,472 | - | - | - |
| Profit (loss) for the period before taxes9903 | €234,076 | €204,528 | €13,008 | €515,016 | €423,773 | ▼ 17.7% |
| Income taxes67/77 | €47,000 | €25,027 | -€222 | €66,709 | €80,133 | ▲ 20.1% |
| Profit (loss) for the period9904 | €187,076 | €179,501 | €13,229 | €448,307 | €343,640 | ▼ 23.3% |
| Profit (loss) for the period to be appropriated9905 | €187,076 | €179,501 | €13,229 | €448,307 | €343,640 | ▼ 23.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.5m | €2.0m | €1.4m | €3.0m | €4.2m | ▲ 39.8% |
| Fixed assets21/28 | €720,092 | €943,758 | €1.0m | €2.2m | €3.4m | ▲ 51.9% |
| Tangible fixed assets22/27 | €720,092 | €941,332 | €801,385 | €2.0m | €3.2m | ▲ 56.8% |
| Plant, machinery and equipment23 | - | €148,824 | €120,037 | €294,510 | €377,709 | ▲ 28.2% |
| Furniture and vehicles24 | - | €21,848 | €10,397 | €11,438 | €6,974 | ▼ 39.0% |
| Leasing and similar rights25 | - | - | - | €358,532 | €305,827 | ▼ 14.7% |
| Other tangible fixed assets26 | - | €770,661 | €670,951 | €1.3m | €2.5m | ▲ 82.9% |
| Financial fixed assets28 | - | €2,426 | €204,000 | €208,000 | €218,486 | ▲ 5.0% |
| Current assets29/58 | €1.8m | €1.0m | €384,898 | €792,185 | €838,094 | ▲ 5.8% |
| Amounts receivable after more than one year29 | - | - | - | €10,061 | €21,334 | ▲ 112% |
| Other amounts receivable291 | - | - | - | €10,061 | €21,334 | ▲ 112% |
| Stocks and contracts in progress3 | - | - | €10,734 | €21,312 | €40,049 | ▲ 87.9% |
| Stocks30/36 | - | - | €10,734 | €21,312 | €40,049 | ▲ 87.9% |
| Amounts receivable within one year40/41 | €1.6m | €53,447 | €82,498 | €286,481 | €98,802 | ▼ 65.5% |
| Trade receivables40 | - | €1,761 | €74,659 | €20,628 | €27,439 | ▲ 33.0% |
| Other amounts receivable41 | - | €51,686 | €7,839 | €265,853 | €71,363 | ▼ 73.2% |
| Cash at bank and in hand54/58 | €181,685 | €966,325 | €269,888 | €452,153 | €658,306 | ▲ 45.6% |
| Deferred charges and accrued income490/1 | - | - | €21,777 | €22,178 | €19,603 | ▼ 11.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.5m | €2.0m | €1.4m | €3.0m | €4.2m | ▲ 39.8% |
| Equity10/15 | €289,429 | €468,930 | €482,160 | €691,758 | €811,812 | ▲ 17.4% |
| Contributions10/11 | - | €70,000 | €70,000 | €70,000 | €70,000 | = |
| Reserves13 | - | - | €412,160 | €605,467 | €729,107 | ▲ 20.4% |
| Distributable reserves133 | - | - | €412,160 | €605,467 | €729,107 | ▲ 20.4% |
| Profit (loss) carried forward14 | €219,429 | €398,930 | - | - | - | - |
| Investment grants15 | - | - | - | €16,291 | €12,705 | ▼ 22.0% |
| Amounts payable17/49 | €2.2m | €1.5m | €908,123 | €2.3m | €3.4m | ▲ 46.5% |
| Amounts payable after more than one year17 | €230,845 | €266,352 | €351,939 | €1.4m | €2.0m | ▲ 41.6% |
| Financial debts170/4 | - | €266,352 | €188,034 | €1.3m | €1.8m | ▲ 47.1% |
| Other amounts payable178/9 | - | - | €163,904 | €172,545 | €175,754 | ▲ 1.9% |
| Amounts payable within one year42/48 | €2.0m | €1.2m | €556,184 | €891,434 | €1.4m | ▲ 54.2% |
| Current portion of amounts payable after more than one year42 | - | €77,488 | €78,317 | €215,255 | €342,709 | ▲ 59.2% |
| Financial debts43 | - | - | - | €28,697 | - | - |
| Credit institutions430/8 | - | - | - | €28,697 | - | - |
| Trade debts44 | €1.8m | €919,786 | €351,918 | €225,303 | €549,085 | ▲ 144% |
| Suppliers440/4 | - | €919,786 | €351,918 | €225,303 | €549,085 | ▲ 144% |
| Advances received on contracts in progress46 | - | - | - | €121 | - | - |
| Taxes, remuneration and social security45 | - | €78,633 | €125,514 | €166,622 | €262,817 | ▲ 57.7% |
| Taxes450/3 | - | - | €43,003 | €81,266 | €117,434 | ▲ 44.5% |
| Remuneration and social security454/9 | - | €78,633 | €82,510 | €85,356 | €145,383 | ▲ 70.3% |
| Other amounts payable47/48 | - | €152,341 | €436 | €255,436 | €220,000 | ▼ 13.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €187,076 | €179,501 | €13,229 | €448,307 | €343,640 | ▼ 23.3% |
| + Depreciation and write-downs630 | €84,204 | €119,867 | €129,321 | €268,988 | €425,523 | ▲ 58.2% |
| Operating cash flow (approximation) | €271,279 | €299,368 | €142,550 | €717,295 | €769,164 | ▲ 7.2% |
| Investment in fixed assets (approximation) | - | -€343,533 | -€190,948 | -€1.5m | -€1.6m | ▼ 6.4% |
| Change in cash | - | €784,641 | -€696,437 | €182,264 | €206,153 | ▲ 13.1% |
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
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2019net €448,307 ▲3,289%
Operating result €530,000, net result €448,307, both a record.
31-12
Financial
Equity above €500,000Eq €691,758 ▲43.5%
5 profitable years in a row build equity to €691,758.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 66 days late
2022
31-12
Financial
Weakest financial yearnet €13,229 ▼92.6%
Net result drops to €13,229, the lowest in the series; recovery starts the following year.
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 39 days late
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 5 days late
2020
31-12
Financial
Equity above €200,000Eq €289,429 ▲183%
2 profitable years in a row build equity to €289,429.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB 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, Gembloux · 5 establishment units since 2018
Ground area
2.5 ha
Building footprint
2,396 m²
Volume, LiDAR
3,755 m³
5 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
5 establishment units
TOMBAR
since 20182.277.998.478
TOMBAR
since 20192.296.026.523
TOMBAR
since 20212.313.788.510
TOMBAR
since 20232.347.865.796
TOMBAR
since 20232.347.865.697
5 parcels
Wallonia
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0150/00T002 | Wallonia | 9,172 m² | - | - |
| 92111C0129/00F002 | Wallonia | 7,951 m² | - | - |
| 92253D0280/00M004 | Wallonia | 5,977 m² | 1 · 1,640 m² | - |
| 25016A0174/00X002 | Wallonia | 1,342 m² | 1 · 666 m² | 6.4 m · 2 fl. |
| 25764N0819/00D000 | Wallonia | 325 m² | 1 · 91 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- LE PAIN D'ANTAN
- TOMBAR
Highest known parent: LE PAIN D'ANTAN. The sources do not say who stands above it.
Owners 1
- LE PAIN D'ANTANparent99%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
5 sitesCharleroi2.277.998.478
Fosses-la-Ville2.313.788.510
Grez-Doiceau2.347.865.796
Ottignies-Louvain-la-Neuve2.296.026.523
Show 1 more sites
Waterloo2.347.865.697
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Of 2,403 companies in sector 47241 we hold annual accounts for 1,101. 475 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 (pre-2019)
Founded16-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
10712Artisanal bread and fresh pastry making
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699949129
Registered
29-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.