Tommi
ActiveTommi has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.06M and a net result of €588k. Equity is growing by ~49.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 9.3 against 5.85 in 2024; short-term debt: 10.4% and cash: 21% of total assets), and 11.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
88.1%
Return on assets
48.8%
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 30-03-2026, 123 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
123 d early
2024
73 d early
2023
51 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.06M▲ 41.9%
2024 · €748k
2023: €315k
2024: €748k
2023 → 2025
Total assets
€1.20M▲ 31.1%
2024 · €919k
2023: €468k
2024: €919k
2023 → 2025
Net result
€588k▲ 35.9%
2024 · €433k
2023: €310k
2024: €433k
2023 → 2025
Working capital
€1.04M▲ 44.8%
2024 · €720k
2023: €288k
2024: €720k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€315k-€748k▲ 137%€1.06M▲ 41.9%
Operating result€407k-€553k▲ 36.0%€760k▲ 37.4%
Net result€310k-€433k▲ 39.6%€588k▲ 35.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€35k▼ 29.3%
Current assets
€1.17M▲ 34.6%
Equity and liabilities €1.20M
Equity
€1.06M▲ 41.9%
Debt
€144k▼ 16.0%
The debt ratio falls from 18.6% to 11.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€774k▲
2024 · €567k
Cash flow
€603k▲
2024 · €447k
Solvency
88.1%▲
2024 · 81.4%
Current ratio
9.30▲
2024 · 5.85
Quick ratio
9.30▲
2024 · 5.85
Debt / equity
0.14▼
2024 · 0.23
ROE
55.4%▼
2024 · 57.9%
ROA
48.8%▲
2024 · 47.1%
Interest coverage
398.76▲
2024 · 325.99
Debt
€144k▼
2024 · €171k
Debt ≤ 1 year
€126k▼
2024 · €148k
Debt > 1 year
€11k▼
2024 · €23k
Income taxes
€183k▲
2024 · €136k
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€919k€1.20M▲
Fixed assets21/28€50k€35k▼
Tangible fixed assets22/27€50k€35k▼
Furniture and vehicles24€38k€24k▼
Other tangible fixed assets26€12k€11k▼
Current assets29/58€868k€1.17M▲
Amounts receivable within one year40/41€351k€385k▲
Trade receivables40€147k€246k▲
Other amounts receivable41€203k€139k▼
Current investments50/53€485k€527k▲
Cash at bank and in hand54/58€29k€252k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€919k€1.20M▲
Equity10/15€748k€1.06M▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€743k€1.06M▲
Amounts payable17/49€171k€144k▼
Amounts payable after more than one year17€23k€11k▼
Financial debts170/4€23k€11k▼
Amounts payable within one year42/48€148k€126k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Financial debts43€5k€7k▲
Credit institutions430/8€5k€7k▲
Trade debts44€523€353▼
Suppliers440/4€523€353▼
Taxes, remuneration and social security45€131k€107k▼
Taxes450/3€131k€107k▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€627€1k▲
Gross operating margin9900€568k€775k▲
Operating profit (loss)9901€553k€760k▲
Financial income75/76B€17k€13k▼
Recurring financial income75€17k€13k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€568k€771k▲
Income taxes67/77€136k€183k▲
Profit (loss) for the period9904€433k€588k▲
Profit (loss) for the period to be appropriated9905€433k€588k▲
Appropriation of the result
Profit (loss) to be appropriated9906€743k€1.33M▲
Profit (loss) brought forward from the previous period14P€310k€743k▲
Profit to be distributed694/7-€275k
Return on contributions (dividend)694-€275k
The notes to these accounts (6 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €588k ▲35.9%
Operating result €760k, net result €588k, both a record.
31-12
Financial
Equity above €1MEq €1.06M ▲41.9%
3 profitable years in a row build equity to €1.06M.
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €748k ▲137%
2 profitable years in a row build equity to €748k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Niklaas · 1 establishment unit since 2022
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.
Brandstraat 189100 Sint-NiklaasGround area
1,064 m²
Building footprint
165 m²
Volume, LiDAR
829 m³
Parcel 46442C1042/00B000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tommi
since 20222.336.659.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C1042/00B000 | Flanders | 1,064 m² | 1 · 165 m² | 8.3 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.
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BE 0630.738.441
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A. WESTGEEST
BE 0461.388.814
Tervuren · Eq €1.06M
MURMENS INVEST
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Herti
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 27,199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.