TOMI
ActiveSummary
TOMI has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €21k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 34% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▲+81
Solvency52▲+13
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.82 in 2023; short-term debt: 48.8% and cash: 4.2% of total assets), and 72.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
27.2%
Return on assets
14.1%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
181921222324
2018 to 2024 · latest year €41k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
2 d early
2022
92 d late
2021
120 d late
2019
53 d late
2018
33 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€41k▲ 108%
2023 · €19k
2018: €39k
2019: €47k
2021: €28k
2022: €34k
2023: €19k
2018 → 2024
Total assets
€149k▲ 9.9%
2023 · €135k
2018: €237k
2019: €198k
2021: €155k
2022: €152k
2023: €135k
2018 → 2024
Net result
€21k
2023 · €-15k
2018: €7k
2019: €8k
2021: €6k
2022: €7k
2023: €-15k
2018 → 2024
Working capital
€1k
2023 · €-13k
2018: €10k
2019: €4k
2021: €-9k
2022: €-553
2023: €-13k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192021202220232024Trend
Equity€47k-€28k▼ 41.1%€34k▲ 23.7%€19k▼ 43.2%€41k▲ 108%
Operating result€14k-€8k▼ 39.6%€11k▲ 28.3%€-11k€27k
Net result€8k-€6k▼ 29.8%€7k▲ 16.2%€-15k€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €27k after a loss of €11k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €149k
Fixed assets
€75k ▼ 0.8%
Current assets
€74k ▲ 23.3%
Equity and liabilities €149k
Equity
€41k ▲ 108%
Debt
€108k ▼ 6.5%
Debt's share of the balance-sheet total falls from 85.6% to 72.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2023 · €-2k
Cash flow
€27k▲
2023 · €-6k
Current ratio
1.02▲
2023 · 0.82
Quick ratio
0.99▲
2023 · 0.78
Debt to equity
2.68▼
2023 · 5.95
ROE
51.9%▲
2023 · -76.1%
ROA
14.1%▲
2023 · -11.0%
Interest coverage
14.05▲
2023 · -1.02
Debt ≤ 1 year
€73k▼
2023 · €73k
Debt > 1 year
€36k▼
2023 · €43k
Income taxes
€3k▲
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€135k€149k▲
Fixed assets21/28€75k€75k▼
Tangible fixed assets22/27€75k€75k▼
Land and buildings22€72k€69k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€393€4k▲
Current assets29/58€60k€74k▲
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€57k€66k▲
Trade receivables40€56k€65k▲
Other amounts receivable41€729€721▼
Cash at bank and in hand54/58€75€6k▲
Equity and liabilities
Total equity and liabilities10/49€135k€149k▲
Equity10/15€19k€41k▲
Contributions10/11€8k€8k=
Outside capital11€8k€8k=
Other1109/19€8k€8k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€9k€30k▲
Amounts payable17/49€116k€108k▼
Amounts payable after more than one year17€43k€36k▼
Financial debts170/4€43k€36k▼
Amounts payable within one year42/48€73k€73k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€47k€43k▼
Suppliers440/4€47k€43k▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€605€4k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€14k€14k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€-241€36k▲
Operating profit (loss)9901€-11k€27k▲
Financial income75/76B€9€5▼
Recurring financial income75€9€5▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-13k€24k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€-15k€21k▲
Profit (loss) for the period to be appropriated9905€-15k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€30k▲
Profit (loss) brought forward from the previous period14P€24k€9k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 112 days late
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
13-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
21-09
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2012
Ground area
437 m²
Building footprint
129 m²
Volume, LiDAR
499 m³
Parcel 11007B0083/00L004, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TOMI
since 20122.207.860.649
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007B0083/00L004 | Flanders | 437 m² | 1 · 129 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Team JS
BE 0775.650.503
Wetteren · Eq €40,488
GSOR CONSTRUCTION
BE 0681.746.682
Binche · Eq €40,516
AG BUILD & CO
BE 0764.802.834
Kraainem · Eq €40,483
DYNAMIC TECH
BE 0737.757.848
Drogenbos · Eq €40,483
AARTS-VAN REMOORTERE D&S
BE 0842.150.139
Antwerpen · Eq €40,461
Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 12,863 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.