TOMMACO
ActiveTOMMACO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €68k. Equity is shrinking by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency59▲+24
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.04 in 2023; short-term debt: 65.1% and cash: 28.4% of total assets), and 66.3% of the assets are financed with debt.
Credit advice 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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
18192021222324
2018 to 2024 · latest year €64k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
4 d early
2022
1 d early
2021
26 d late
2020
26 d early
2019
22 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€64k▲ 207%
2023 · €21k
2018: €105k
2019: €144k
2020: €179k
2021: €182k
2022: €41k
2023: €21k
2018 → 2024
Total assets
€190k▼ 6.8%
2023 · €204k
2018: €161k
2019: €184k
2020: €242k
2021: €321k
2022: €199k
2023: €204k
2018 → 2024
Net result
€68k▼ 0.3%
2023 · €68k
2018: €35k
2019: €40k
2020: €40k
2021: €68k
2022: €60k
2023: €68k
2018 → 2024
Working capital
€51k▲ 598%
2023 · €7k
2018: €85k
2019: €103k
2020: €160k
2021: €166k
2022: €29k
2023: €7k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€179k-€182k▲ 1.8%€41k▼ 77.4%€21k▼ 49.4%€64k▲ 207%
Operating result€55k-€100k▲ 81.4%€89k▼ 11.2%€102k▲ 14.5%€101k▼ 0.4%
Net result€40k-€68k▲ 69.7%€60k▼ 11.5%€68k▲ 13.5%€68k▼ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 0% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €190k
Fixed assets
€15k▲ 1.4%
Current assets
€175k▼ 7.5%
Equity and liabilities €190k
Equity
€64k▲ 207%
Debt
€126k▼ 31.2%
The debt ratio falls from 89.8% to 66.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€105k▼
2023 · €105k
Cash flow
€72k▼
2023 · €72k
Solvency
33.7%▲
2023 · 10.2%
Current ratio
1.41▲
2023 · 1.04
Quick ratio
0.53▲
2023 · 0.42
Debt / equity
1.97▼
2023 · 8.79
ROE
106.4%▼
2023 · 328.0%
ROA
35.9%▲
2023 · 33.5%
Interest coverage
11.47▼
2023 · 12.69
Debt
€126k▼
2023 · €183k
Debt ≤ 1 year
€124k▼
2023 · €182k
Income taxes
€24k▼
2023 · €25k
Staff costs
€66k▲
2023 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€204k€190k▼
Fixed assets21/28€15k€15k▲
Tangible fixed assets22/27€13k€13k▲
Plant, machinery and equipment23€6k€9k▲
Furniture and vehicles24€401€113▼
Other tangible fixed assets26€6k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€189k€175k▼
Stocks and contracts in progress3€112k€109k▼
Stocks30/36€112k€109k▼
Amounts receivable within one year40/41€4k€12k▲
Trade receivables40€4k€5k▲
Other amounts receivable41-€6k
Cash at bank and in hand54/58€73k€54k▼
Deferred charges and accrued income490/1€571€589▲
Equity and liabilities
Total equity and liabilities10/49€204k€190k▼
Equity10/15€21k€64k▲
Contributions10/11€20k€19k▼
Reserves13€413€46k▲
Tax-exempt reserves132€413€413=
Distributable reserves133-€45k
Amounts payable17/49€183k€126k▼
Amounts payable within one year42/48€182k€124k▼
Trade debts44€49k€42k▼
Suppliers440/4€49k€42k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€8k€6k▼
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€117k€68k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20232024
Remuneration, social security and pensions62€59k€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€165k€172k▲
Operating profit (loss)9901€102k€101k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€93k€92k▼
Income taxes67/77€25k€24k▼
Profit (loss) for the period9904€68k€68k▼
Profit (loss) for the period to be appropriated9905€68k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€68k▼
Transfer from equity791/2€20k-
Transfer to equity691/2-€43k
To other reserves6921-€43k
Profit to be distributed694/7€89k€25k▼
Return on contributions (dividend)694€89k€25k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €68k ▲13.5%
Operating result €102k, net result €68k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €179k ▲24.1%
3 profitable years in a row build equity to €179k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2013
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Dijkstraat(MEL) 1979120 Beveren-Kruibeke-ZwijndrechtGround area
310 m²
Building footprint
204 m²
Volume, LiDAR
1,200 m³
Parcel 46016C0961/00L004, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOMMACO
since 20132.224.466.554
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016C0961/00L004 | Flanders | 309 m² | 1 · 204 m² | 7.7 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeveren-Kruibeke-Zwijndrecht2.224.466.554
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Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2013
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.