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 €229k and a net result of €139k. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 8692 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 €17k 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.
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 · 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 →
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, abbreviated schema
Equity
€229k▲ 154%
2024 · €90k
Total assets
€713k▲ 12.7%
2024 · €633k
Net result
€139k▲ 5,192%
2024 · €3k
Working capital
€-56k▲ 59.9%
2024 · €-141k
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€21k▲ 22.0%€11k▼ 48.3%€47k▲ 333%€36k▼ 24.5%€188k▲ 430%
Net result€20k▼ 1.6%€8k▼ 62.1%€25k▲ 237%€3k▼ 89.7%€139k▲ 5,192%
Equity€54k▲ 57.6%€62k▲ 13.8%€87k▲ 41.0%€90k▲ 3.0%€229k▲ 154%
Total assets€58k▲ 24.7%€393k▲ 580%€450k▲ 14.5%€633k▲ 40.6%€713k▲ 12.7%
Debt€3k▼ 71.4%€331k▲ 9,662%€363k▲ 9.5%€543k▲ 49.6%€484k▼ 10.8%
Working capital€51k▲ 53.7%€30k▼ 40.6%€80k▲ 168%€-141k€-56k▲ 59.9%
Staff (FTE)22=2=2=
Turnover and EBIT margin not published: the abbreviated schema does not require them.
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 €713k
Fixed assets
€599k ▲ 5.9%
Current assets
€113k ▲ 70.7%
Equity and liabilities €713k
Equity
€229k ▲ 154%
Debt
€484k ▼ 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
€226k▲
2024 · €58k
Cash flow
€176k▲
2024 · €25k
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
€170k▼
2024 · €207k
Debt > 1 year
€301k▼
2024 · €324k
Income taxes
€40k▲
2024 · €25k
Staff costs
€66k▲
2024 · €52k
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 | €14k | €51k | €58k | €52k | €66k | ▲ 26.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €17k | €17k | €23k | €38k | ▲ 64.4% |
| Other operating charges640/8 | €468 | €383 | €4k | €33k | €397 | ▼ 98.8% |
| Gross operating margin9900 | €37k | €79k | €127k | €144k | €292k | ▲ 103% |
| Operating profit (loss)9901 | €21k | €11k | €47k | €36k | €188k | ▲ 430% |
| Financial income75/76B | - | - | €9 | - | €13 | - |
| Recurring financial income75 | - | - | €9 | - | €13 | - |
| Financial charges65/66B | €1k | €3k | €7k | €8k | €9k | ▲ 20.0% |
| Recurring financial charges65 | €1k | €3k | €7k | €8k | €9k | ▲ 20.0% |
| Profit (loss) for the period before taxes9903 | €20k | €8k | €40k | €28k | €179k | ▲ 547% |
| Income taxes67/77 | - | - | €15k | €25k | €40k | ▲ 60.0% |
| Profit (loss) for the period9904 | €20k | €8k | €25k | €3k | €139k | ▲ 5,192% |
| Profit (loss) for the period to be appropriated9905 | €20k | €8k | €25k | €3k | €139k | ▲ 5,192% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58k | €393k | €450k | €633k | €713k | ▲ 12.7% |
| Formation expenses20 | €412 | €206 | - | - | - | - |
| Fixed assets21/28 | €3k | €336k | €321k | €566k | €599k | ▲ 5.9% |
| Tangible fixed assets22/27 | €3k | €336k | €321k | €566k | €599k | ▲ 5.9% |
| Land and buildings22 | - | €334k | €319k | €562k | €541k | ▼ 3.8% |
| Plant, machinery and equipment23 | €3k | €2k | €3k | €2k | €5k | ▲ 199% |
| Furniture and vehicles24 | - | - | - | €2k | €54k | ▲ 2,109% |
| Current assets29/58 | €54k | €57k | €129k | €66k | €113k | ▲ 70.7% |
| Amounts receivable within one year40/41 | €19k | €35k | €39k | €27k | €48k | ▲ 77.1% |
| Trade receivables40 | €13k | €35k | €24k | €27k | €48k | ▲ 77.1% |
| Other amounts receivable41 | €6k | - | €15k | - | - | - |
| Cash at bank and in hand54/58 | €35k | €22k | €90k | €39k | €65k | ▲ 65.0% |
| Deferred charges and accrued income490/1 | - | - | - | - | €504 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58k | €393k | €450k | €633k | €713k | ▲ 12.7% |
| Equity10/15 | €54k | €62k | €87k | €90k | €229k | ▲ 154% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Profit (loss) carried forward14 | €36k | €43k | €69k | €71k | €210k | ▲ 194% |
| Amounts payable17/49 | €3k | €331k | €363k | €543k | €484k | ▼ 10.8% |
| Amounts payable after more than one year17 | - | €304k | €302k | €324k | €301k | ▼ 7.2% |
| Financial debts170/4 | - | €254k | €240k | €323k | €301k | ▼ 6.9% |
| Other amounts payable178/9 | - | €50k | €62k | €1k | - | - |
| Amounts payable within one year42/48 | €3k | €27k | €48k | €207k | €170k | ▼ 18.0% |
| Financial debts43 | - | - | - | €159k | €159k | = |
| Other loans439 | - | - | - | €159k | €159k | = |
| Trade debts44 | - | €19k | €35k | €25k | €87 | ▼ 99.7% |
| Suppliers440/4 | - | €19k | €35k | €25k | €87 | ▼ 99.7% |
| Taxes, remuneration and social security45 | €3k | €8k | €13k | €23k | €11k | ▼ 52.0% |
| Taxes450/3 | €3k | €8k | €13k | €23k | €11k | ▼ 52.0% |
| Accrued charges and deferred income492/3 | - | - | €13k | €11k | €13k | ▲ 18.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €8k | €25k | €3k | €139k | ▲ 5,192% |
| + Depreciation and write-downs630 | €2k | €17k | €17k | €23k | €38k | ▲ 64.4% |
| Operating cash flow (approximation) | €22k | €25k | €43k | €25k | €176k | ▲ 593% |
| Investment in fixed assets (approximation) | - | €-350k | €-3k | €-268k | €-71k | ▲ 73.6% |
| Change in cash | - | €-13k | €68k | €-50k | €26k | ▲ 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 €139k ▲5,192%
Operating result €188k, net result €139k, both a record.
31-12
Financial
Equity above €200kEq €229k ▲154%
6 profitable years in a row build equity to €229k.
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 €9k to €3k.
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
31-12
Financial
Back to profitnet €20k
Net result €20k 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 |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 39,294 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
Scores and ratios are computed by Checked and are not a credit decision.