Losses
-€111,086 in five years
Every financial year from 2021 to 2025 closed with a loss. 2023 was the heaviest.
TOM VAN ACKER
Lifetime
19 annual accounts with figures on one time axis, 28 filings since 1998peak €85,018 (2013)
€5,328▼ 63.4%
lowest -€36,728 (2023)
-€22,637▲ €8,015
peak €511,676 (2021)
€411,077▼ 5.2%
€107,466▲ 222%
Board1 name since 1996
1 directorVan Acker Tom
Documentsfilings and deeds
16-01-202615 days before the deadline
2025micro format
Gross margin from €14,571 to €5,328Loss of €22,637Debts from €33,406 to €107,466Investments €85,055Cash from €28,665 to €9,635
Key points
from the 2025 annual accountsTurnover
≈ €20,000 estimated
The micro format states no turnover.
Investments
€85,055 3.4 × depreciation
Green is investment, beige is depreciation.
Liquidity
0.22 was 1.09 in 2024
Short-term debts rose from €32,132 to €105,572.
Filings
28 annual accounts since 1998
The 2018 accounts came 7 days late. The other nine of the last ten were filed on time.
Position in the sector
-€22,637
Lower net result than 92% of companies in education. Sector median €7,281 · 2,614 companies.
Checked score
92
Excellent
Financially stronger than 38% of micro companies in education (NACE 85)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,825 companies (NACE 85, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.2%▲ +0.1 percentage points vs 12-2024highest value
02-2025: 0.1%▼ -0.1 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026lowest value
05-2026: 0.1%● unchanged vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 0.22, cash €9,635, halved
Loss of €22,637, the second in a row (financial year 2025)
lowers risk
Size: total assets €587,579
Sector: Education (NACE 85)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro). It does better than 71% of them on solvency, 28% on liquidity, 20% on profitability and 34% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 8,617 companies had the same profile as TOM VAN ACKER has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of TOM VAN ACKER itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for TOM VAN ACKER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.22 (1.09 in 2024), below 1. Short-term debt is 18% and cash 1.6% of total assets. 30% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€22,637
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-01-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 days early
2024
10 days early
2023
on the day
2022
5 days early
2021
4 days early
2020
2 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 5 days before the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0458845038
Amendment of the articles · Legal-form change · Resignations & appointments
Change of role: Van Acker Tom, from statutory manager to statutory director · Director discharge: Van Acker Tom · General meeting of 08-03-2023 · Gazette deed
Registered office moved from Lokeren to Ghent
New registered office: Edmond Boonenstraat 2 bus 002 te 9000 Gent · Previous registered office: Stationsplein 13 te 9160 Lokeren · General meeting of 01-04-2019 · Gazette deed
First establishment
Edmond Boonenstraat 2, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TOM VAN ACKER Ghent | €587,579 | €5,328 | 70.0% | - |
| IFB The Health Network Brasschaat | €442,344 | €4,731 | 13.8% | - |
| Neptunus Berlare | €883,389 | €12,387 | -12.6% | - |
| Association belge du Soudage - Belgische Vereniging voor Lastechniek Brussels | €340,802 | €4,439 | 90.1% | - |
| SPEAK - EASY Etterbeek | €574,787 | €12,215 | 97.3% | - |
| JG Asset Management Schaerbeek | €348,494 | €12,264 | -21.3% | - |
| ERVI Sint-Martens-Latem | €440,001 | €17,622 | 8.0% | - |
These companies have the same main activity as TOM VAN ACKER: other education (NACE 85599). They are comparable in size and age: total assets between €341,000 and €883,000, founded between 1992 and 2000.
Official details
Source: KBO- Status
- Active since 20-09-1996Normal situation
- Activity
- Other educationNACE 85599and 1 other
- Establishment unit
- 2.078.465.1249000 Ghent, since 01-10-1996
- Financial year end
- 30 June
- Peppol
- Reachable since 21-10-2026
Annual accounts to 30-06-2025
- €587,579▲ 8.9%
- Filing
- Filed on 16-01-2026, 15 days before the end of the filing period
Insights on TOM VAN ACKER
TOM VAN ACKER files the micro format. That format states no turnover. The gross margin fell from €34,482 in 2007 to €5,328 in 2025.
The balance sheet grew most from 2018 to 2020 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TOM VAN ACKER
- What is the company number of TOM VAN ACKER?
- The company number of TOM VAN ACKER is 0458.845.038. The VAT number is the same number with BE in front: BE 0458.845.038.
- Where is TOM VAN ACKER based?
- The registered office is at Edmond Boonenstraat 2, 9000 Ghent.Company details
- What does TOM VAN ACKER do?
- According to the KBO register, the main activity is other education (NACE 85599).
- What is the legal form of TOM VAN ACKER?
- TOM VAN ACKER is a private limited company (BV).
- When was TOM VAN ACKER founded?
- TOM VAN ACKER was founded on 20-09-1996.
- Is TOM VAN ACKER still active?
- Yes, TOM VAN ACKER is an active enterprise in the KBO register.
- What is the turnover of TOM VAN ACKER?
- The turnover in financial year 2025 is ≈ €20,000. This figure is estimated from the gross margin of €5,328 and 42 comparable companies (NACE 855). It probably lies between €13,000 and €40,000. It is a rough estimate.Financials
- Is TOM VAN ACKER profitable?
- In financial year 2025, TOM VAN ACKER made a loss of €22,637.
- Where can I find the annual accounts of TOM VAN ACKER?
- TOM VAN ACKER filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TOM VAN ACKER due?
- TOM VAN ACKER must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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