Tomi
ActiveSummary
Tomi has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€12,850) and a net result of €7,867. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 7% of 11693 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.34 against 0.22 in 2024; short-term debt: 292.4% and cash: 54.1% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-192.6%
Return on assets
117.9%
Age of the figures
9 mo
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 11693 sector peers (2025).
NBB · sector comparisonPosition among 11693 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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
13 d late
2024
13 d late
2023
26 d late
2022
30 d late
2021
58 d late
2020
31 d late
2019
20 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 27 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 27 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€12,850▲ 38.0%
2024 · -€20,717
Total assets
€6,671▲ 11.8%
2024 · €5,965
Net result
€7,867▲ 368%
2024 · €1,679
Working capital
-€12,833▲ 38.0%
2024 · -€20,701
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,909▼ 73.0%€1,676▼ 42.4%€1,780▲ 6.2%€1,733▼ 2.7%€7,878▲ 355%
Net result€2,879within the sector's middle half▼ 73.2%€1,627within the sector's middle half▼ 43.5%€1,719within the sector's middle half▲ 5.6%€1,679within the sector's middle half▼ 2.3%€7,867within the sector's middle half▲ 368%
Equity-€25,743below the sector's middle half▲ 10.1%-€24,116below the sector's middle half▲ 6.3%-€22,396below the sector's middle half▲ 7.1%-€20,717below the sector's middle half▲ 7.5%-€12,850below the sector's middle half▲ 38.0%
Total assets€6,145below the sector's middle half▼ 47.9%€5,076below the sector's middle half▼ 17.4%€6,233below the sector's middle half▲ 22.8%€5,965below the sector's middle half▼ 4.3%€6,671below the sector's middle half▲ 11.8%
Debt€31,888▼ 21.1%€29,192▼ 8.5%€28,630▼ 1.9%€26,682▼ 6.8%€19,520▼ 26.8%
Working capital-€25,505below the sector's middle half▼ 24.9%-€23,607below the sector's middle half▲ 7.4%-€21,898below the sector's middle half▲ 7.2%-€20,701below the sector's middle half▲ 5.5%-€12,833below the sector's middle half▲ 38.0%
Solvency-418.9%below the sector's middle half▼ 176.2pp-475.1%below the sector's middle half▼ 56.1pp-359.3%below the sector's middle half▲ 115.8pp-347.3%below the sector's middle half▲ 12.0pp-192.6%below the sector's middle half▲ 154.7pp
Current ratio0.19below the sector's middle half▼ 0.170.18below the sector's middle half▼ 0.020.22below the sector's middle half▲ 0.040.22below the sector's middle half=0.34below the sector's middle half▲ 0.12
Return on assets (ROA)46.9%above the sector's middle half▼ 44.2pp32.1%above the sector's middle half▼ 14.8pp27.6%above the sector's middle half▼ 4.5pp28.2%above the sector's middle half▲ 0.6pp117.9%above the sector's middle half▲ 89.8pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale 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 recovers in 2025; 2025 is 355% above 2024 and is the highest result in the available series.
Key figures and ratios
Quick ratio
0.24▲
2024 · 0.11
Debt ≤ 1 year
€19,504▼
2024 · €26,666
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,795 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
5.3%
stopped otherwise
92%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,341 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% | 1.8% |
| 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 3,795 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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €1,755 | €1,066 | €1,142 | €1,210 | €1,004 | ▼ 17.0% |
| Gross operating margin9900 | €4,664 | €2,742 | €2,922 | €2,943 | €8,881 | ▲ 202% |
| Operating profit (loss)9901 | €2,909 | €1,676 | €1,780 | €1,733 | €7,878 | ▲ 355% |
| Financial income75/76B | €0 | €0 | €0 | €16 | €46 | ▲ 199% |
| Recurring financial income75 | €0 | €0 | €0 | €16 | €46 | ▲ 199% |
| Financial charges65/66B | €30 | €49 | €61 | €69 | €57 | ▼ 18.3% |
| Recurring financial charges65 | €30 | €49 | €61 | €69 | €57 | ▼ 18.3% |
| Profit (loss) for the period before taxes9903 | €2,879 | €1,627 | €1,719 | €1,679 | €7,867 | ▲ 368% |
| Profit (loss) for the period9904 | €2,879 | €1,627 | €1,719 | €1,679 | €7,867 | ▲ 368% |
| Profit (loss) for the period to be appropriated9905 | €2,879 | €1,627 | €1,719 | €1,679 | €7,867 | ▲ 368% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6,145 | €5,076 | €6,233 | €5,965 | €6,671 | ▲ 11.8% |
| Current assets29/58 | €6,145 | €5,076 | €6,233 | €5,965 | €6,671 | ▲ 11.8% |
| Stocks and contracts in progress3 | €3,263 | €2,856 | €4,120 | €3,050 | €1,975 | ▼ 35.2% |
| Stocks30/36 | €3,263 | €2,856 | €4,120 | €3,050 | €1,975 | ▼ 35.2% |
| Amounts receivable within one year40/41 | - | - | - | - | €413 | - |
| Trade receivables40 | - | - | - | - | €413 | - |
| Cash at bank and in hand54/58 | €2,297 | €2,113 | €1,510 | €2,421 | €3,611 | ▲ 49.1% |
| Deferred charges and accrued income490/1 | €585 | €108 | €604 | €494 | €672 | ▲ 36.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6,145 | €5,076 | €6,233 | €5,965 | €6,671 | ▲ 11.8% |
| Equity10/15 | -€25,743 | -€24,116 | -€22,396 | -€20,717 | -€12,850 | ▲ 38.0% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €932 | €932 | €932 | €932 | €932 | = |
| Non-distributable reserves130/1 | €932 | €932 | €932 | €932 | €932 | = |
| Reserves not available under the articles1311 | €932 | €932 | €932 | €932 | €932 | = |
| Profit (loss) carried forward14 | -€45,268 | -€43,640 | -€41,921 | -€40,242 | -€32,374 | ▲ 19.6% |
| Amounts payable17/49 | €31,888 | €29,192 | €28,630 | €26,682 | €19,520 | ▼ 26.8% |
| Amounts payable within one year42/48 | €31,650 | €28,684 | €28,131 | €26,666 | €19,504 | ▼ 26.9% |
| Trade debts44 | €451 | €1,516 | €971 | €1,791 | €1,455 | ▼ 18.8% |
| Suppliers440/4 | €451 | €1,516 | €971 | €1,791 | €1,455 | ▼ 18.8% |
| Taxes, remuneration and social security45 | €280 | €108 | €138 | €13 | €36 | ▲ 179% |
| Taxes450/3 | €280 | €108 | €138 | €13 | €36 | ▲ 179% |
| Other amounts payable47/48 | €30,919 | €27,060 | €27,023 | €24,861 | €18,012 | ▼ 27.5% |
| Accrued charges and deferred income492/3 | €238 | €508 | €498 | €16 | €17 | ▲ 2.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,879 | €1,627 | €1,719 | €1,679 | €7,867 | ▲ 368% |
| Operating cash flow (approximation) | €2,879 | €1,627 | €1,719 | €1,679 | €7,867 | ▲ 368% |
| Change in cash | - | -€184 | -€603 | €912 | €1,190 | ▲ 30.6% |
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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €10,731
Net result €10,731 after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet -€1,351
Net result drops to -€1,351, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company in the Gazette acts read. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 1986
Ground area
1,149 m²
Building footprint
179 m²
Volume, LiDAR
1,063 m³
Parcel 71055B0489/00D004, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOMI BVBA
since 19862.034.476.119
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71055B0489/00D004 | Flanders | 1,149 m² | 1 · 179 m² | 9.8 m · 2 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,567 companies in this sector we hold annual accounts for 920. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded14-07-1986
Fiscal year end31-12
Activities, NACEBEL 2025
46900Non-specialised wholesale trade
47784Retail sale of souvenirs and religious articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0429718017
Also
9925:BE0429718017
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.