Summary
Tomme is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €710,104 and a net result of -€37,286. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 1495 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
63 d early
2023
33 d early
2022
41 d early
2021
3 d early
2020
2 d early
2019
2 d early
← 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 21 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 oldest company in Zottegem, Finance and insurance sector
Equity
€710,104▼ 5.0%
2024 · €747,390
Net result
-€37,286▼ 242%
2024 · -€10,900
Total assets
€725,403▼ 5.1%
2024 · €764,373
Solvency
97.9%▲ 0.1pp
2024 · 97.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line20212022202320242025
Operating result€421,801▲ 479%€159,481▼ 62.2%€83,278▼ 47.8%-€9,001-€36,973▼ 311%
Net result€271,863above the sector's middle half▲ 563%€95,966above the sector's middle half▼ 64.7%€57,393within the sector's middle half▼ 40.2%-€10,900below the sector's middle half-€37,286below the sector's middle half▼ 242%
Equity€606,564within the sector's middle half▲ 80.8%€701,730above the sector's middle half▲ 15.7%€758,290above the sector's middle half▲ 8.1%€747,390above the sector's middle half▼ 1.4%€710,104above the sector's middle half▼ 5.0%
Total assets€1.1mwithin the sector's middle half▼ 37.8%€788,124above the sector's middle half▼ 28.8%€778,435above the sector's middle half▼ 1.2%€764,373above the sector's middle half▼ 1.8%€725,403within the sector's middle half▼ 5.1%
Debt€499,883▼ 65.4%€86,394▼ 82.7%€20,145▼ 76.7%€16,983▼ 15.7%€15,299▼ 9.9%
Working capital€287,312▲ 4,216%€178,521▼ 37.9%€259,549▲ 45.4%€266,496▲ 2.7%€475,061▲ 78.3%
Solvency54.8%within the sector's middle half▲ 36.0pp89.0%above the sector's middle half▲ 34.2pp97.4%above the sector's middle half▲ 8.4pp97.8%above the sector's middle half▲ 0.4pp97.9%above the sector's middle half▲ 0.1pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2022 Net result -65% on 2021. The accounts now follow the micro schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36,973 in 2025 against €9,001 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €725,403
Fixed assets
€242,543 ▼ 50.6%
Current assets
€482,859 ▲ 76.6%
Equity and liabilities €725,403
Equity
€710,104 ▼ 5.0%
Debt
€15,299 ▼ 9.9%
Debt's share of the balance-sheet total falls from 2.2% to 2.1%. Equity and debt are lower.
Key figures and ratios
ROE
-5.3%▼
2024 · -1.5%
ROA
-5.1%▼
2024 · -1.4%
Debt ≤ 1 year
€7,799▲
2024 · €6,983
Debt > 1 year
€7,500▼
2024 · €10,000
Income taxes
€557▲
2024 · €538
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,346 | €17,864 | €22,418 | €25,416 | €19,340 | ▼ 23.9% |
| Other operating charges640/8 | €10,726 | €6,292 | €3,101 | €2,889 | €2,055 | ▼ 28.9% |
| Gross operating margin9900 | €449,873 | €183,636 | €108,797 | €19,304 | -€15,579 | ▼ 181% |
| Operating profit (loss)9901 | €421,801 | €159,481 | €83,278 | -€9,001 | -€36,973 | ▼ 311% |
| Financial income75/76B | €80 | €0 | - | - | €1,289 | - |
| Recurring financial income75 | €80 | €0 | - | - | €1,289 | - |
| Financial charges65/66B | €24,160 | €17,631 | €990 | €1,361 | €1,045 | ▼ 23.3% |
| Recurring financial charges65 | €24,160 | €17,631 | €990 | €1,361 | €1,045 | ▼ 23.3% |
| Profit (loss) for the period before taxes9903 | €397,720 | €141,850 | €82,287 | -€10,363 | -€36,729 | ▼ 254% |
| Income taxes67/77 | €125,857 | €45,885 | €24,895 | €538 | €557 | ▲ 3.6% |
| Profit (loss) for the period9904 | €271,863 | €95,966 | €57,393 | -€10,900 | -€37,286 | ▼ 242% |
| Transfer to tax-exempt reserves689 | - | - | €28,000 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €271,863 | €95,966 | €29,393 | -€10,900 | -€37,286 | ▼ 242% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €788,124 | €778,435 | €764,373 | €725,403 | ▼ 5.1% |
| Fixed assets21/28 | €727,252 | €523,209 | €513,741 | €490,893 | €242,543 | ▼ 50.6% |
| Tangible fixed assets22/27 | €726,252 | €523,209 | €513,591 | €490,893 | €242,543 | ▼ 50.6% |
| Land and buildings22 | €722,884 | €466,613 | €457,271 | €447,929 | €215,759 | ▼ 51.8% |
| Plant, machinery and equipment23 | - | - | - | €2,281 | €1,737 | ▼ 23.8% |
| Furniture and vehicles24 | €3,368 | €56,595 | €56,319 | €40,683 | €25,047 | ▼ 38.4% |
| Financial fixed assets28 | €1,000 | - | €150 | - | - | - |
| Current assets29/58 | €379,195 | €264,915 | €264,694 | €273,480 | €482,859 | ▲ 76.6% |
| Stocks and contracts in progress3 | €134,342 | €136,900 | €144,856 | €224,976 | €238,899 | ▲ 6.2% |
| Stocks30/36 | €134,342 | €136,900 | €144,856 | €224,976 | €238,899 | ▲ 6.2% |
| Amounts receivable within one year40/41 | €22,255 | €28,008 | €10,270 | €20,252 | €37,155 | ▲ 83.5% |
| Trade receivables40 | €13,113 | €12,208 | €5,861 | - | - | - |
| Other amounts receivable41 | €9,143 | €15,800 | €4,409 | €20,252 | €37,155 | ▲ 83.5% |
| Cash at bank and in hand54/58 | €221,829 | €98,300 | €104,460 | €23,686 | €202,394 | ▲ 754% |
| Deferred charges and accrued income490/1 | €768 | €1,707 | €5,108 | €4,565 | €4,412 | ▼ 3.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €788,124 | €778,435 | €764,373 | €725,403 | ▼ 5.1% |
| Equity10/15 | €606,564 | €701,730 | €758,290 | €747,390 | €710,104 | ▼ 5.0% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Reserves13 | €545,064 | €640,230 | €696,790 | €685,890 | €648,604 | ▼ 5.4% |
| Non-distributable reserves130/1 | €6,150 | €6,150 | €6,150 | €6,150 | €6,150 | = |
| Legal reserve130 | €6,150 | €6,150 | €6,150 | €6,150 | €6,150 | = |
| Tax-exempt reserves132 | - | - | €28,000 | €28,000 | €28,000 | = |
| Distributable reserves133 | €538,914 | €634,080 | €662,640 | €651,740 | €614,454 | ▼ 5.7% |
| Amounts payable17/49 | €499,883 | €86,394 | €20,145 | €16,983 | €15,299 | ▼ 9.9% |
| Amounts payable after more than one year17 | €408,000 | - | €15,000 | €10,000 | €7,500 | ▼ 25.0% |
| Financial debts170/4 | €408,000 | - | €15,000 | €10,000 | €7,500 | ▼ 25.0% |
| Amounts payable within one year42/48 | €91,883 | €86,394 | €5,145 | €6,983 | €7,799 | ▲ 11.7% |
| Trade debts44 | €31,539 | €3,255 | €287 | €131 | €5,842 | ▲ 4,376% |
| Suppliers440/4 | €31,539 | €3,255 | €287 | €131 | €5,842 | ▲ 4,376% |
| Taxes, remuneration and social security45 | €45,055 | €61,498 | €3,244 | €4,017 | €83 | ▼ 97.9% |
| Taxes450/3 | €45,055 | €61,498 | €3,244 | €4,017 | €83 | ▼ 97.9% |
| Other amounts payable47/48 | €15,288 | €21,640 | €1,614 | €2,836 | €1,874 | ▼ 33.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €271,863 | €95,966 | €57,393 | -€10,900 | -€37,286 | ▼ 242% |
| + Depreciation and write-downs630 | €17,346 | €17,864 | €22,418 | €25,416 | €19,340 | ▼ 23.9% |
| Operating cash flow (approximation) | €289,209 | €113,830 | €79,811 | €14,516 | -€17,946 | ▼ 224% |
| Investment in fixed assets (approximation) | - | €186,180 | -€12,950 | -€2,569 | €229,010 | ▲ 9,015% |
| Change in cash | - | -€123,529 | €6,160 | -€80,773 | €178,707 | ▲ 321% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 17current ratio 51.45
Current ratio from 3.07 to 51.45; short-term debt falls from €86,394 to €5,145.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €271,863 ▲563%
Operating result €421,801, net result €271,863, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 4.13
Current ratio from 1.01 to 4.13; short-term debt falls from €1.1m to €91,883.
31-12
Financial
Equity above €500,000Eq €606,564 ▲80.8%
3 profitable years in a row build equity to €606,564.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €23,108
Net result €23,108 after one loss-making year.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Zottegem · 1 establishment unit since 1991
Ground area
30 m²
Building footprint
30 m²
Volume, LiDAR
185 m³
Parcel 41035A0452/00S000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Advieskantoor Tomme
since 19912.052.386.178
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41035A0452/00S000 | Flanders | 30 m² | 1 · 30 m² | 7.7 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2021 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2021 annual accounts of Tomme and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
OLM
BE 0467.665.011
Ieper · Eq €710,719
DVV THOELEN & VERNIERS
BE 0466.630.871
Antwerpen · Eq €711,516
KMO-ASSUR
BE 0543.922.748
Zandhoven · Eq €712,217
Financieel Maatwerk
BE 0726.778.339
Hasselt · Eq €713,326
Assurances Hélène DUBAR
BE 0808.309.116
Tournai · Eq €713,345
Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,390 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded27-03-1991
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64910Financial service activities, except insurance and pension funding
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443840722
Also
9925:BE0443840722
Registered
30-01-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.