TOMME KATHLEEN
ActiveTOMME KATHLEEN has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €223k and a net result of €-1k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 9417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+3
Solvency76▼-5
Growth35=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 3.25 in 2024; short-term debt: 20.7% and cash: 0.3% of total assets), and 49.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
33 d early
2023
2 d early
2022
25 d late
2021
4 d early
2020
51 d early
2019
11 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€180k▼ 14.9%
2019 · €211k
2018: €247k
2019: €211k
2018 → 2020
EBIT margin
-6.4%▼ 5.6pp
2019 · -0.7%
2018: 19.0%
2019: -0.7%
2018 → 2020
Net result
€-1k
2024 · €16k
2018: €26k
2019: €-7k
2020: €-14k
2021: €76k
2022: €-23k
2023: €-2k
2024: €16k
2018 → 2025
Working capital
€70k▼ 39.6%
2024 · €116k
2018: €92k
2019: €45k
2020: €21k
2021: €245k
2022: €117k
2023: €117k
2024: €116k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€233k-€210k▼ 10.0%€208k▼ 0.9%€224k▲ 7.7%€223k▼ 0.6%
Operating result€106k-€-28k€1k€29k▲ 1,993%€7k▼ 75.2%
Net result€76k-€-23k€-2k▲ 91.7%€16k€-1k
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 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €438k
Fixed assets
€277k▲ 18.8%
Current assets
€161k▼ 4.2%
Equity and liabilities €438k
Equity
€223k▼ 0.6%
Provisions
€24k▼ 3.7%
Debt
€192k▲ 25.5%
The debt ratio rises from 38.1% to 43.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €42k
Cash flow
€17k▼
2024 · €29k
Solvency
50.8%▼
2024 · 55.8%
Current ratio
1.78▼
2024 · 3.25
Quick ratio
1.78▼
2024 · 3.25
Debt / equity
0.86▲
2024 · 0.68
ROE
-0.6%▼
2024 · 7.2%
ROA
-0.3%▼
2024 · 4.0%
Interest coverage
5.60▲
2024 · 4.63
Debt
€192k▲
2024 · €153k
Debt ≤ 1 year
€91k▲
2024 · €52k
Debt > 1 year
€99k▲
2024 · €89k
Income taxes
€6k▼
2024 · €7k
Staff costs
€92k▲
2024 · €86k
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€401k€438k▲
Fixed assets21/28€233k€277k▲
Tangible fixed assets22/27€233k€277k▲
Land and buildings22€201k€196k▼
Plant, machinery and equipment23€17k€52k▲
Furniture and vehicles24€14k€29k▲
Financial fixed assets28€62€62=
Current assets29/58€168k€161k▼
Amounts receivable within one year40/41€166k€156k▼
Trade receivables40€80k€75k▼
Other amounts receivable41€86k€81k▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€401k€438k▲
Equity10/15€224k€223k▼
Contributions10/11€12k€12k=
Reserves13€240k€239k▼
Tax-exempt reserves132€76k€73k▼
Distributable reserves133€164k€165k▲
Profit (loss) carried forward14€-29k€-29k=
Provisions and deferred taxes16€25k€24k▼
Deferred taxes168€25k€24k▼
Amounts payable17/49€153k€192k▲
Amounts payable after more than one year17€89k€99k▲
Financial debts170/4€89k€99k▲
Amounts payable within one year42/48€52k€91k▲
Current portion of amounts payable after more than one year42€9k€19k▲
Financial debts43€8k€2k▼
Credit institutions430/8€8k€2k▼
Trade debts44€12k€40k▲
Suppliers440/4€12k€40k▲
Taxes, remuneration and social security45€23k€30k▲
Taxes450/3€14k€12k▼
Remuneration and social security454/9€9k€18k▲
Accrued charges and deferred income492/3€12k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€86k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€18k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€949-
Other operating charges640/8€5k€2k▼
Gross operating margin9900€134k€120k▼
Operating profit (loss)9901€29k€7k▼
Financial income75/76B€837€670▼
Recurring financial income75€837€670▼
Financial charges65/66B€9k€5k▼
Recurring financial charges65€9k€5k▼
Profit (loss) for the period before taxes9903€21k€3k▼
Transfer from deferred taxes780€2k€910▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€16k€-1k▼
Transfer from tax-exempt reserves789€5k€3k▼
Profit (loss) for the period to be appropriated9905€22k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-27k▼
Profit (loss) brought forward from the previous period14P€-29k€-29k=
Transfer to equity691/2€22k€1k▼
To other reserves6921€22k€1k▼
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet €-23k ▼131%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €76k
Net result €76k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 7.12
Current ratio from 1.22 to 7.12; short-term debt falls from €95k to €40k.
31-12
Financial
Equity above €200kEq €233k ▲48.6%
Equity rises from €157k to €233k.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Herzele · 1 establishment unit since 1997
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.
Kauwstraat 609550 HerzeleGround area
709 m²
Building footprint
106 m²
Volume, LiDAR
529 m³
Parcel 41062B0589/00R000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kauwstraat 60, 9550 Herzele
since 19972.080.284.962
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41062B0589/00R000 | Flanders | 709 m² | 1 · 106 m² | 8.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 544 EUR awarded · 544 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 471 EUR | 471 EUR |
| 2023 | 1 | 73 EUR | 73 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,759 companies in sector 71122 we hold annual accounts for 769. 634 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-1997
Fiscal year end31-12
Activities, NACEBEL
71122Land surveying
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.