TOMMATTI
ActiveThe computed 12-month bankruptcy probability of TOMMATTI is 2.7% (moderate). The 2025 annual accounts show equity of €385k and a net result of €34k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 3619 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-5
Solvency95▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.07 against 3.74 in 2024; short-term debt: 18.6% and cash: 26.8% of total assets), and 29.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
70.4%
Return on assets
6.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
22 d early
2024
2 d early
2023
12 d late
2022
23 d early
2021
24 d late
2020
15 d early
2019
3 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€385k▲ 9.8%
2024 · €351k
2019: €81k
2020: €99k
2021: €205k
2022: €257k
2023: €294k
2024: €351k
2019 → 2025
Total assets
€547k▲ 0.1%
2024 · €547k
2019: €552k
2020: €544k
2021: €716k
2022: €728k
2023: €540k
2024: €547k
2019 → 2025
Net result
€34k▼ 40.2%
2024 · €57k
2019: €75k
2020: €18k
2021: €106k
2022: €52k
2023: €36k
2024: €57k
2019 → 2025
Working capital
€313k▲ 13.2%
2024 · €276k
2019: €-16k
2020: €15k
2021: €92k
2022: €167k
2023: €214k
2024: €276k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€205k-€257k▲ 25.3%€294k▲ 14.1%€351k▲ 19.5%€385k▲ 9.8%
Operating result€120k-€74k▼ 38.3%€50k▼ 32.9%€69k▲ 38.0%€39k▼ 42.6%
Net result€106k-€52k▼ 51.1%€36k▼ 30.1%€57k▲ 57.5%€34k▼ 40.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €547k
Fixed assets
€132k▼ 22.0%
Current assets
€415k▲ 9.9%
Equity and liabilities €547k
Equity
€385k▲ 9.8%
Debt
€162k▼ 17.3%
The debt ratio falls from 35.8% to 29.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▼
2024 · €110k
Cash flow
€75k▼
2024 · €98k
Solvency
70.4%▲
2024 · 64.2%
Current ratio
4.07▲
2024 · 3.74
Quick ratio
3.91▲
2024 · 3.59
Debt / equity
0.42▼
2024 · 0.56
ROE
8.9%▼
2024 · 16.3%
ROA
6.3%▼
2024 · 10.5%
Interest coverage
53.99▲
2024 · 30.95
Debt
€162k▼
2024 · €196k
Debt ≤ 1 year
€102k▲
2024 · €101k
Debt > 1 year
€60k▼
2024 · €95k
Income taxes
€10k▼
2024 · €15k
Staff costs
€46k▲
2024 · €39k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€547k€547k▲
Fixed assets21/28€169k€132k▼
Intangible fixed assets21€120k€90k▼
Tangible fixed assets22/27€44k€37k▼
Plant, machinery and equipment23€44k€34k▼
Furniture and vehicles24-€3k
Financial fixed assets28€5k€5k=
Current assets29/58€378k€415k▲
Stocks and contracts in progress3€14k€16k▲
Stocks30/36€14k€16k▲
Amounts receivable within one year40/41€7k€4k▼
Trade receivables40€133-
Other amounts receivable41€7k€4k▼
Current investments50/53€249k€249k=
Cash at bank and in hand54/58€108k€147k▲
Equity and liabilities
Total equity and liabilities10/49€547k€547k▲
Equity10/15€351k€385k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€343k€377k▲
Amounts payable17/49€196k€162k▼
Amounts payable after more than one year17€95k€60k▼
Financial debts170/4€95k€60k▼
Amounts payable within one year42/48€101k€102k▲
Current portion of amounts payable after more than one year42€34k€35k▲
Trade debts44€20k€5k▼
Suppliers440/4€20k€5k▼
Taxes, remuneration and social security45€23k€28k▲
Taxes450/3€13k€15k▲
Remuneration and social security454/9€9k€13k▲
Other amounts payable47/48€24k€33k▲
Income statement
Code20242025
Remuneration, social security and pensions62€39k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€41k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€153k€129k▼
Operating profit (loss)9901€69k€39k▼
Financial income75/76B€7k€7k▼
Recurring financial income75€7k€7k▼
Financial charges65/66B€4k€1k▼
Recurring financial charges65€4k€1k▼
Profit (loss) for the period before taxes9903€72k€44k▼
Income taxes67/77€15k€10k▼
Profit (loss) for the period9904€57k€34k▼
Profit (loss) for the period to be appropriated9905€57k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€343k€377k▲
Profit (loss) brought forward from the previous period14P€286k€343k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2019net €106k ▲484%
Operating result €120k, net result €106k, both a record.
31-12
Financial
Equity above €200kEq €205k ▲107%
3 profitable years in a row build equity to €205k.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €18k ▼75.6%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Koksijde · 1 establishment unit since 2019
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.
Bauwenslaan(Kok) 158670 KoksijdeGround area
1,731 m²
Building footprint
803 m²
Volume, LiDAR
8,746 m³
2 parcels, Flanders · tallest building 19.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
TOMMATTI
since 20192.287.921.380
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014E0625/00A000 | Flanders | 1,157 m² | 1 · 471 m² | 17.3 m · 4 fl. |
| 38342G0703/00A000 | Flanders | 574 m² | 1 · 332 m² | 19.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteKoksijde2.287.921.380
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Of 20,499 companies in sector 56111 we hold annual accounts for 11,450. 6,998 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.