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TOMMY

Active
Private limited companyfounded 20241 yr activeRoute de la Gileppe 199, 4845 Jalhay, BelgiumKBO/BCE: BE 1017.836.143
Summary

The computed 12-month bankruptcy probability of TOMMY is 4.0% (elevated). The 2025 annual accounts show equity of €143,365 and a net result of €128,365. Its solvency ranks better than 41% of 3757 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability92
Solvency46
Growth-
Track record67
Bankruptcy probability, 12 months
4.0% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.45; short-term debt: 79.2% and cash: 18.5% of total assets), and 79.2% of the assets are financed with debt.
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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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
20.8%
Return on assets
18.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2025
20 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 23 December 2024, TOMMY was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€143,365
Total assets
€688,868
Net result
€128,365
Working capital
-€299,317

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €688,868
Fixed assets €442,682
Current assets €246,186
Equity and liabilities €688,868
Equity €143,365
Debt €545,503
Debt finances 79.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€273,931
Cash flow
€217,824
Current ratio
0.45
Quick ratio
0.44
Debt to equity
3.80
ROE
89.5%
ROA
18.6%
Interest coverage
34.86
Debt ≤ 1 year
€545,503
Income taxes
€48,268
Staff costs
€183,002

Peer companies

Historical observation

Of the 2,390 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.0% went bankrupt
1.9% stopped otherwise
97% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,390 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 47 lines
Balance sheet Code2025
Assets
Total assets20/58€688,868
Fixed assets21/28€442,682
Intangible fixed assets21€42,857
Tangible fixed assets22/27€399,825
Plant, machinery and equipment23€207,874
Furniture and vehicles24€176,337
Other tangible fixed assets26€15,614
Current assets29/58€246,186
Stocks and contracts in progress3€6,000
Stocks30/36€6,000
Amounts receivable within one year40/41€105,025
Trade receivables40€105,025
Cash at bank and in hand54/58€127,313
Deferred charges and accrued income490/1€7,848
Equity and liabilities
Total equity and liabilities10/49€688,868
Equity10/15€143,365
Contributions10/11€25,000
Reserves13€118,300
Distributable reserves133€118,300
Profit (loss) carried forward14€65
Amounts payable17/49€545,503
Amounts payable within one year42/48€545,503
Trade debts44€63,227
Suppliers440/4€63,227
Taxes, remuneration and social security45€87,612
Taxes450/3€58,672
Remuneration and social security454/9€28,939
Other amounts payable47/48€394,664
Income statement Code2025
Remuneration, social security and pensions62€183,002
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89,459
Other operating charges640/8€1,658
Gross operating margin9900€458,591
Operating profit (loss)9901€184,472
Financial income75/76B€20
Recurring financial income75€20
Financial charges65/66B€7,859
Recurring financial charges65€7,859
Profit (loss) for the period before taxes9903€176,633
Income taxes67/77€48,268
Profit (loss) for the period9904€128,365
Profit (loss) for the period to be appropriated9905€128,365
Appropriation of the result
Profit (loss) to be appropriated9906€128,365
Transfer to equity691/2€118,300
To other reserves6921€118,300
Profit to be distributed694/7€10,000
Directors or managers695€10,000
Social balance
Average headcount (FTE)90875.6

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€183,002
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89,459
Other operating charges640/8€1,658
Gross operating margin9900€458,591
Operating profit (loss)9901€184,472
Financial income75/76B€20
Recurring financial income75€20
Financial charges65/66B€7,859
Recurring financial charges65€7,859
Profit (loss) for the period before taxes9903€176,633
Income taxes67/77€48,268
Profit (loss) for the period9904€128,365
Profit (loss) for the period to be appropriated9905€128,365
Line2025
Assets
Total assets20/58€688,868
Fixed assets21/28€442,682
Intangible fixed assets21€42,857
Tangible fixed assets22/27€399,825
Plant, machinery and equipment23€207,874
Furniture and vehicles24€176,337
Other tangible fixed assets26€15,614
Current assets29/58€246,186
Stocks and contracts in progress3€6,000
Stocks30/36€6,000
Amounts receivable within one year40/41€105,025
Trade receivables40€105,025
Cash at bank and in hand54/58€127,313
Deferred charges and accrued income490/1€7,848
Equity and liabilities
Total equity and liabilities10/49€688,868
Equity10/15€143,365
Contributions10/11€25,000
Reserves13€118,300
Distributable reserves133€118,300
Profit (loss) carried forward14€65
Amounts payable17/49€545,503
Amounts payable within one year42/48€545,503
Trade debts44€63,227
Suppliers440/4€63,227
Taxes, remuneration and social security45€87,612
Taxes450/3€58,672
Remuneration and social security454/9€28,939
Other amounts payable47/48€394,664
Line2025
Profit (loss) for the period9904€128,365
+ Depreciation and write-downs630€89,459
Operating cash flow (approximation)€217,824

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
20-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Jalhay · 3 establishment units since 2024
seat establishment approximate All 3 establishment units on the map
Ground area
2,103 m²
Building footprint
219 m²
Volume, LiDAR
2,006 m³
3 parcels, Wallonia · tallest building 12.3 m, ±4 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
3 establishment units
Traiteur Tommy
Rue de l'Eglise 2, 4834 LimbourgLimited-service restaurants
since 20242.369.097.811
Traiteur Tommy
Rue de la Fontaine 39, 4830 LimbourgWarehousing and storage
since 20242.369.097.910
Brasserie Au Lion
Route de la Gileppe 199, 4845 JalhayOther holiday and short-stay accommodation
since 20242.369.098.207
3 parcels
Wallonia 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63038A1118/00X000 Wallonia 1,949 m² 1 · 115 m² 12.3 m · 4 fl.
63029B0187/00P000 Wallonia 80 m² 1 · 72 m² 10.6 m · 3 fl.
63046D0728/00Z004 Wallonia 74 m² 1 · 33 m² 7.1 m
Linked by address, not proof of ownership
Good to know
3 of 3 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 site · 1 with a smiley
Jalhay2.369.098.207
2 permissions · smiley 2026FR00199 valid until 12-10-2026
Toelating · Ambulante eetgelegenheid · since 10-03-2026
Toelating · Eetgelegenheid · since 10-03-2026

Similar companies · same sector, comparable size

Of 20,505 companies in sector 56111 we hold annual accounts for 11,464. 9,120 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded23-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID 0208:1017836143
Also 9925:BE1017836143
Registered 13-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.