TOMFIN
ActiveSummary
TOMFIN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228,731 and a net result of €138,715. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 8737 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+24
Solvency57▲+18
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity short (current ratio 0.67 against 0.32 in 2024; short-term debt: 23.8% and cash: 9.1% of total assets), and 67.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer 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 2025Solvency, return and age of the figures
Solvency
32.1%
Return on assets
19.5%
Age of the figures
9 mo
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
29 d late
2019
90 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 39 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, abbreviated schema
Equity
€228,731▲ 154%
2024 · €90,016
Total assets
€712,713▲ 12.7%
2024 · €632,604
Net result
€138,715▲ 5,192%
2024 · €2,621
Working capital
-€56,421▲ 59.9%
2024 · -€140,636
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,030▲ 22.0%€10,876▼ 48.3%€47,048▲ 333%€35,510▼ 24.5%€188,169▲ 430%
Net result€19,902▼ 1.6%€7,537▼ 62.1%€25,427▲ 237%€2,621▼ 89.7%€138,715▲ 5,192%
Equity€54,430▲ 57.6%€61,967▲ 13.8%€87,394▲ 41.0%€90,016▲ 3.0%€228,731▲ 154%
Total assets€57,822▲ 24.7%€393,102▲ 580%€450,028▲ 14.5%€632,604▲ 40.6%€712,713▲ 12.7%
Debt€3,392▼ 71.4%€331,135▲ 9,662%€362,634▲ 9.5%€542,588▲ 49.6%€483,982▼ 10.8%
Working capital€50,652▲ 53.7%€30,066▼ 40.6%€80,488▲ 168%-€140,636-€56,421▲ 59.9%
Staff (FTE)22=2=2=
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2025 Net result +5,192%, Equity +154% on 2024. Cause not known from the registers.
- 2022 Total assets +580% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 430% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €712,713
Fixed assets
€599,337 ▲ 5.9%
Current assets
€113,376 ▲ 70.7%
Equity and liabilities €712,713
Equity
€228,731 ▲ 154%
Debt
€483,982 ▼ 10.8%
Debt's share of the balance-sheet total falls from 85.8% to 67.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€225,688▲
2024 · €58,331
Cash flow
€176,234▲
2024 · €25,442
Current ratio
0.67▲
2024 · 0.32
Debt to equity
2.12▼
2024 · 6.03
ROE
60.6%▲
2024 · 2.9%
ROA
19.5%▲
2024 · 0.4%
Interest coverage
23.84▲
2024 · 7.39
Debt ≤ 1 year
€169,797▼
2024 · €207,062
Debt > 1 year
€301,042▼
2024 · €324,425
Income taxes
€40,000▲
2024 · €25,000
Staff costs
€66,366▲
2024 · €52,429
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
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 26,964 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €14,003 | €51,049 | €58,377 | €52,429 | €66,366 | ▲ 26.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,902 | €17,115 | €17,398 | €22,821 | €37,519 | ▲ 64.4% |
| Other operating charges640/8 | €468 | €383 | €4,492 | €33,251 | €397 | ▼ 98.8% |
| Gross operating margin9900 | €37,403 | €79,423 | €127,315 | €144,011 | €292,451 | ▲ 103% |
| Operating profit (loss)9901 | €21,030 | €10,876 | €47,048 | €35,510 | €188,169 | ▲ 430% |
| Financial income75/76B | - | - | €9 | - | €13 | - |
| Recurring financial income75 | - | - | €9 | - | €13 | - |
| Financial charges65/66B | €1,128 | €3,339 | €6,630 | €7,889 | €9,467 | ▲ 20.0% |
| Recurring financial charges65 | €1,128 | €3,339 | €6,630 | €7,889 | €9,467 | ▲ 20.0% |
| Profit (loss) for the period before taxes9903 | €19,902 | €7,537 | €40,427 | €27,621 | €178,715 | ▲ 547% |
| Income taxes67/77 | - | - | €15,000 | €25,000 | €40,000 | ▲ 60.0% |
| Profit (loss) for the period9904 | €19,902 | €7,537 | €25,427 | €2,621 | €138,715 | ▲ 5,192% |
| Profit (loss) for the period to be appropriated9905 | €19,902 | €7,537 | €25,427 | €2,621 | €138,715 | ▲ 5,192% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €57,822 | €393,102 | €450,028 | €632,604 | €712,713 | ▲ 12.7% |
| Formation expenses20 | €412 | €206 | - | - | - | - |
| Fixed assets21/28 | €3,366 | €335,925 | €321,286 | €566,178 | €599,337 | ▲ 5.9% |
| Tangible fixed assets22/27 | €3,366 | €335,925 | €321,286 | €566,178 | €599,337 | ▲ 5.9% |
| Land and buildings22 | - | €333,557 | €318,578 | €562,226 | €540,874 | ▼ 3.8% |
| Plant, machinery and equipment23 | €3,366 | €2,368 | €2,708 | €1,510 | €4,511 | ▲ 199% |
| Furniture and vehicles24 | - | - | - | €2,442 | €53,952 | ▲ 2,109% |
| Current assets29/58 | €54,044 | €56,971 | €128,742 | €66,426 | €113,376 | ▲ 70.7% |
| Amounts receivable within one year40/41 | €19,366 | €34,995 | €39,091 | €27,036 | €47,881 | ▲ 77.1% |
| Trade receivables40 | €13,201 | €34,995 | €24,091 | €27,036 | €47,881 | ▲ 77.1% |
| Other amounts receivable41 | €6,165 | - | €15,000 | - | - | - |
| Cash at bank and in hand54/58 | €34,678 | €21,976 | €89,651 | €39,390 | €64,991 | ▲ 65.0% |
| Deferred charges and accrued income490/1 | - | - | - | - | €504 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €57,822 | €393,102 | €450,028 | €632,604 | €712,713 | ▲ 12.7% |
| Equity10/15 | €54,430 | €61,967 | €87,394 | €90,016 | €228,731 | ▲ 154% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Capital10 | €18,550 | - | - | - | - | - |
| Issued capital100 | €18,550 | - | - | - | - | - |
| Profit (loss) carried forward14 | €35,880 | €43,417 | €68,844 | €71,466 | €210,181 | ▲ 194% |
| Amounts payable17/49 | €3,392 | €331,135 | €362,634 | €542,588 | €483,982 | ▼ 10.8% |
| Amounts payable after more than one year17 | - | €304,230 | €301,683 | €324,425 | €301,042 | ▼ 7.2% |
| Financial debts170/4 | - | €254,230 | €240,043 | €323,362 | €301,042 | ▼ 6.9% |
| Other amounts payable178/9 | - | €50,000 | €61,640 | €1,063 | - | - |
| Amounts payable within one year42/48 | €3,392 | €26,905 | €48,254 | €207,062 | €169,797 | ▼ 18.0% |
| Financial debts43 | - | - | - | €158,640 | €158,640 | = |
| Other loans439 | - | - | - | €158,640 | €158,640 | = |
| Trade debts44 | - | €19,251 | €35,456 | €25,374 | €87 | ▼ 99.7% |
| Suppliers440/4 | - | €19,251 | €35,456 | €25,374 | €87 | ▼ 99.7% |
| Taxes, remuneration and social security45 | €3,392 | €7,654 | €12,798 | €23,048 | €11,070 | ▼ 52.0% |
| Taxes450/3 | €3,392 | €7,654 | €12,798 | €23,048 | €11,070 | ▼ 52.0% |
| Accrued charges and deferred income492/3 | - | - | €12,697 | €11,101 | €13,143 | ▲ 18.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,902 | €7,537 | €25,427 | €2,621 | €138,715 | ▲ 5,192% |
| + Depreciation and write-downs630 | €1,902 | €17,115 | €17,398 | €22,821 | €37,519 | ▲ 64.4% |
| Operating cash flow (approximation) | €21,804 | €24,652 | €42,825 | €25,442 | €176,234 | ▲ 593% |
| Investment in fixed assets (approximation) | - | -€349,674 | -€2,759 | -€267,713 | -€70,678 | ▲ 73.6% |
| Change in cash | - | -€12,702 | €67,675 | -€50,261 | €25,601 | ▲ 151% |
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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €138,715 ▲5,192%
Operating result €188,169, net result €138,715, both a record.
31-12
Financial
Equity above €200,000Eq €228,731 ▲154%
6 profitable years in a row build equity to €228,731.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 15.93
Current ratio from 4.64 to 15.93; short-term debt falls from €9,061 to €3,392.
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
31-12
Financial
Back to profitnet €20,231
Net result €20,231 after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
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, Gent · 1 establishment unit since 2018
Ground area
346 m²
Building footprint
77 m²
Volume, LiDAR
597 m³
Parcel 44061B0209/00T006, Flanders · 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
Tomfin
since 20182.280.804.946
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44061B0209/00T006 | Flanders | 346 m² | 1 · 77 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 420 EUR awarded · 420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 420 EUR | 420 EUR |
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 39,296 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
Founded11-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68321Property management for co-owned buildings (syndics)
81100Combined facilities support activities
85599Other education
Contact
E-mail
info@tomfin.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0708946967
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.