TOMGOLD
ActiveSummary
The computed 12-month bankruptcy probability of TOMGOLD is 1.6% (moderate). The 2025 annual accounts show equity of €413,911 and a net result of €199,616. Equity is growing by ~62.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 18626 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 7.58 against 6.33 in 2024; short-term debt: 11.5% and cash: 30.6% of total assets), and 11.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2025Solvency, return and age of the figures
Solvency
88.5%
Return on assets
42.7%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-11-2025, 25 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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
29 d late
2022
22 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 26 days after 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 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 27 November (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€413,911▲ 93.2%
2024 · €214,294
Total assets
€467,855▲ 80.3%
2024 · €259,484
Net result
€199,616▲ 149%
2024 · €80,077
Working capital
€354,698▲ 66.4%
2024 · €213,143
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
Line2022202320242025
Operating result€62,890-€63,492▲ 1.0%€113,992▲ 79.5%€262,106▲ 130%
Net result€45,162above the sector's middle half-€44,055above the sector's middle half▼ 2.4%€80,077above the sector's middle half▲ 81.8%€199,616above the sector's middle half▲ 149%
Equity€90,162within the sector's middle half-€134,217above the sector's middle half▲ 48.9%€214,294above the sector's middle half▲ 59.7%€413,911above the sector's middle half▲ 93.2%
Total assets€160,871within the sector's middle half-€209,486within the sector's middle half▲ 30.2%€259,484within the sector's middle half▲ 23.9%€467,855above the sector's middle half▲ 80.3%
Debt€70,710-€75,269▲ 6.4%€45,190▼ 40.0%€53,944▲ 19.4%
Working capital€88,874above the sector's middle half-€132,484above the sector's middle half▲ 49.1%€213,143above the sector's middle half▲ 60.9%€354,698above the sector's middle half▲ 66.4%
Solvency56.0%within the sector's middle half-64.1%above the sector's middle half▲ 8.0pp82.6%above the sector's middle half▲ 18.5pp88.5%above the sector's middle half▲ 5.9pp
Current ratio2.36within the sector's middle half-2.89above the sector's middle half▲ 0.536.33above the sector's middle half▲ 3.447.58above the sector's middle half▲ 1.24
Return on assets (ROA)28.1%above the sector's middle half-21.0%above the sector's middle half▼ 7.0pp30.9%above the sector's middle half▲ 9.8pp42.7%above the sector's middle half▲ 11.8pp
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 130% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €467,855
Fixed assets
€59,212 ▲ 829%
Current assets
€408,642 ▲ 61.4%
Equity and liabilities €467,855
Equity
€413,911 ▲ 93.2%
Debt
€53,944 ▲ 19.4%
Debt's share of the balance-sheet total falls from 17.4% to 11.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€266,024▲
2024 · €115,649
Cash flow
€203,535▲
2024 · €81,735
Quick ratio
3.65▲
2024 · 2.01
Debt to equity
0.13▼
2024 · 0.21
ROE
48.2%▲
2024 · 37.4%
Interest coverage
53.04▲
2024 · 47.90
Debt ≤ 1 year
€53,944▲
2024 · €39,965
Income taxes
€60,873▲
2024 · €31,500
Staff costs
€16,438▲
2024 · €4,769
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,781 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.7%
stopped otherwise
97%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.6% 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 6,781 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €3,049 | €4,769 | €16,438 | ▲ 245% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,460 | €1,313 | €1,657 | €3,918 | ▲ 136% |
| Other operating charges640/8 | €1,167 | €449 | €1,234 | €8,030 | ▲ 551% |
| Non-recurring operating charges66A | €74 | €125 | - | - | - |
| Gross operating margin9900 | €65,591 | €68,427 | €121,652 | €290,493 | ▲ 139% |
| Operating profit (loss)9901 | €62,890 | €63,492 | €113,992 | €262,106 | ▲ 130% |
| Financial income75/76B | €195 | €45 | €0 | €3,399 | ▲ 3,776,222% |
| Recurring financial income75 | €195 | €45 | €0 | €3,399 | ▲ 3,776,222% |
| Financial charges65/66B | €923 | €1,718 | €2,414 | €5,016 | ▲ 108% |
| Recurring financial charges65 | €923 | €1,718 | €2,414 | €5,016 | ▲ 108% |
| Profit (loss) for the period before taxes9903 | €62,162 | €61,819 | €111,577 | €260,489 | ▲ 133% |
| Income taxes67/77 | €17,000 | €17,764 | €31,500 | €60,873 | ▲ 93.2% |
| Profit (loss) for the period9904 | €45,162 | €44,055 | €80,077 | €199,616 | ▲ 149% |
| Profit (loss) for the period to be appropriated9905 | €45,162 | €44,055 | €80,077 | €199,616 | ▲ 149% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €160,871 | €209,486 | €259,484 | €467,855 | ▲ 80.3% |
| Fixed assets21/28 | €6,512 | €6,958 | €6,376 | €59,212 | ▲ 829% |
| Tangible fixed assets22/27 | €3,512 | €3,958 | €3,376 | €56,212 | ▲ 1,565% |
| Land and buildings22 | - | - | - | €54,541 | - |
| Plant, machinery and equipment23 | - | - | €764 | €406 | ▼ 46.9% |
| Furniture and vehicles24 | €3,512 | €3,958 | €2,612 | €1,266 | ▼ 51.5% |
| Financial fixed assets28 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Current assets29/58 | €154,359 | €202,528 | €253,108 | €408,642 | ▲ 61.4% |
| Stocks and contracts in progress3 | €89,022 | €141,049 | €172,937 | €211,668 | ▲ 22.4% |
| Stocks30/36 | €89,022 | €141,049 | €172,937 | €211,668 | ▲ 22.4% |
| Amounts receivable within one year40/41 | €1,148 | €1,495 | €58,351 | €53,789 | ▼ 7.8% |
| Trade receivables40 | €1,000 | €1,347 | €8,361 | €1,282 | ▼ 84.7% |
| Other amounts receivable41 | €148 | €148 | €49,990 | €52,508 | ▲ 5.0% |
| Cash at bank and in hand54/58 | €64,190 | €59,984 | €21,820 | €143,185 | ▲ 556% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €160,871 | €209,486 | €259,484 | €467,855 | ▲ 80.3% |
| Equity10/15 | €90,162 | €134,217 | €214,294 | €413,911 | ▲ 93.2% |
| Contributions10/11 | €45,000 | €45,000 | €45,000 | €45,000 | = |
| Reserves13 | €45,162 | €89,217 | €169,294 | €169,294 | = |
| Distributable reserves133 | €45,162 | €89,217 | €169,294 | €169,294 | = |
| Profit (loss) carried forward14 | - | - | - | €199,616 | - |
| Amounts payable17/49 | €70,710 | €75,269 | €45,190 | €53,944 | ▲ 19.4% |
| Amounts payable within one year42/48 | €65,485 | €70,044 | €39,965 | €53,944 | ▲ 35.0% |
| Trade debts44 | €2,206 | €2,209 | €2,864 | €7,692 | ▲ 169% |
| Suppliers440/4 | €2,206 | €2,209 | €2,864 | €7,692 | ▲ 169% |
| Taxes, remuneration and social security45 | €19,519 | €19,844 | €37,101 | €46,252 | ▲ 24.7% |
| Taxes450/3 | €19,519 | €19,844 | €36,243 | €41,196 | ▲ 13.7% |
| Remuneration and social security454/9 | - | - | €858 | €5,056 | ▲ 490% |
| Other amounts payable47/48 | €43,759 | €47,991 | €0 | - | - |
| Accrued charges and deferred income492/3 | €5,225 | €5,225 | €5,225 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,162 | €44,055 | €80,077 | €199,616 | ▲ 149% |
| + Depreciation and write-downs630 | €1,460 | €1,313 | €1,657 | €3,918 | ▲ 136% |
| Operating cash flow (approximation) | €46,622 | €45,368 | €81,735 | €203,535 | ▲ 149% |
| Investment in fixed assets (approximation) | - | -€1,759 | -€1,075 | -€56,755 | ▼ 5,180% |
| Change in cash | - | -€4,205 | -€38,165 | €121,366 | ▲ 418% |
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
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
31-03
Financial
Highest result since 2022net €199,616 ▲149%
Operating result €262,106, net result €199,616, both a record.
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
31-03
Financial
Liquidity doublescurrent ratio 6.33
Current ratio from 2.89 to 6.33; short-term debt falls from €70,044 to €39,965.
31-03
Financial
Equity above €200,000Eq €214,294 ▲59.7%
3 profitable years in a row build equity to €214,294.
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €44,055 ▼2.4%
Net result drops to €44,055, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €100,000Eq €134,217 ▲48.9%
2 profitable years in a row build equity to €134,217.
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 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, Nivelles · 1 establishment unit since 2020
Ground area
214 m²
Building footprint
131 m²
Volume, LiDAR
1,718 m³
Parcel 25782D0456/00E000, Wallonia · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BIJOUTERIE HORLOGERIE THOMAS
since 20202.305.603.292
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0456/00E000 | Wallonia | 214 m² | 1 · 131 m² | 15.8 m · 4 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
254900HJDWQPE83EHS49
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Of 2,017 companies in sector 47770 we hold annual accounts for 899. 644 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
Founded10-08-2020
Fiscal year end31-03
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47770Retail sale of watches and jewellery
46150Agents in the wholesale of furniture, household goods and hardware
46480Wholesale trade
47722Retail trade
47784Retail sale of souvenirs and religious articles
90111Literary creation
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Contact
E-mail
info@bijouterie-thomas.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0751943208
Also
9925:BE0751943208
Registered
24-12-2025
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.