TOMMY VM'S
ActiveThe computed 12-month bankruptcy probability of TOMMY VM'S is 2.3% (moderate). The 2024 annual accounts show equity of €167k and a net result of €-54k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 94% of 998 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-84
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 13.93 against 7.78 in 2023; short-term debt: 6.3% and cash: 50.6% of total assets), and 6.3% 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
93.7%
Return on assets
-30.5%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
12 d late
2022
8 d late
2021
17 d late
2020
86 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€167k▼ 24.5%
2023 · €221k
2020: €99k
2021: €142k
2022: €190k
2023: €221k
2020 → 2024
Total assets
€178k▼ 28.4%
2023 · €248k
2020: €149k
2021: €199k
2022: €214k
2023: €248k
2020 → 2024
Net result
€-54k
2023 · €31k
2020: €94k
2021: €43k
2022: €50k
2023: €31k
2020 → 2024
Working capital
€146k▼ 22.4%
2023 · €188k
2020: €86k
2021: €133k
2022: €183k
2023: €188k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€99k-€142k▲ 42.4%€190k▲ 34.5%€221k▲ 15.9%€167k▼ 24.5%
Operating result€120k-€55k▼ 54.4%€70k▲ 26.9%€47k▼ 32.0%€-56k
Net result€94k-€43k▼ 54.5%€50k▲ 15.8%€31k▼ 37.3%€-54k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €56k after €47k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €178k
Fixed assets
€21k▼ 36.8%
Current assets
€157k▼ 27.1%
Equity and liabilities €178k
Equity
€167k▼ 24.5%
Debt
€11k▼ 59.3%
The debt ratio falls from 11.2% to 6.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-42k▼
2023 · €58k
Cash flow
€-41k▼
2023 · €42k
Solvency
93.7%▲
2023 · 88.8%
Current ratio
13.93▲
2023 · 7.78
Quick ratio
13.93▲
2023 · 7.78
Debt / equity
0.07▼
2023 · 0.13
ROE
-32.5%▼
2023 · 14.1%
ROA
-30.5%▼
2023 · 12.5%
Interest coverage
-425.90▼
2023 · 27.87
Debt
€11k▼
2023 · €28k
Debt ≤ 1 year
€11k▼
2023 · €28k
Income taxes
€371▼
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€248k€178k▼
Fixed assets21/28€33k€21k▼
Tangible fixed assets22/27€33k€21k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€30k€18k▼
Current assets29/58€216k€157k▼
Amounts receivable within one year40/41€151k€65k▼
Trade receivables40€33k€2k▼
Other amounts receivable41€118k€63k▼
Cash at bank and in hand54/58€64k€90k▲
Deferred charges and accrued income490/1€822€3k▲
Equity and liabilities
Total equity and liabilities10/49€248k€178k▼
Equity10/15€221k€167k▼
Contributions10/11€5k€5k=
Reserves13€80k€80k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€136k€82k▼
Amounts payable17/49€28k€11k▼
Amounts payable within one year42/48€28k€11k▼
Financial debts43€259-
Credit institutions430/8€259-
Trade debts44€105€2k▲
Suppliers440/4€105€2k▲
Taxes, remuneration and social security45€11k€4k▼
Taxes450/3€11k€4k▼
Other amounts payable47/48€16k€6k▼
Income statement
Code20232024
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€2k€511▼
Gross operating margin9900€61k€-42k▼
Operating profit (loss)9901€47k€-56k▼
Financial income75/76B€210€2k▲
Recurring financial income75€210€2k▲
Financial charges65/66B€2k€99▼
Recurring financial charges65€2k€99▼
Profit (loss) for the period before taxes9903€45k€-54k▼
Income taxes67/77€14k€371▼
Profit (loss) for the period9904€31k€-54k▼
Profit (loss) for the period to be appropriated9905€31k€-54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€168k€82k▼
Profit (loss) brought forward from the previous period14P€137k€136k▼
Transfer to equity691/2€31k-
To other reserves6921€31k-
Profit to be distributed694/7€800-
Return on contributions (dividend)694€800-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-54k ▼274%
Net result drops to €-54k, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Equity above €200kEq €221k ▲15.9%
4 profitable years in a row build equity to €221k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 8.83
Current ratio from 3.30 to 8.83; short-term debt falls from €58k to €23k.
31-12
Financial
Equity above €150kEq €190k ▲34.5%
3 profitable years in a row build equity to €190k.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-12
Financial
Equity above €100kEq €142k ▲42.4%
2 profitable years in a row build equity to €142k.
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 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, Jette · 1 establishment unit since 2020
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.
Steppéstraat 131090 JetteGround area
202 m²
Building footprint
95 m²
Volume, LiDAR
1,100 m³
Parcel 21464D0118/00P008, Brussels · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
TOMMY VM'S
since 20202.298.087.178
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0118/00P008 | Brussels | 202 m² | 1 · 95 m² | 14.2 m · 4 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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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,085 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2020
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
77224Rental and leasing activities
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.