Summary
Vanhoecke Tom is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €480,369 and a net result of €101,753. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 56% of 2464 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
28 d late
2022
56 d late
2021
31 d late
2020
30 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€480,369▲ 26.9%
2024 · €378,616
Net result
€101,753
2024 · -€31,134
Total assets
€839,096▲ 20.2%
2024 · €697,869
Solvency
57.2%▲ 3.0pp
2024 · 54.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32,269▼ 49.2%€405,635▲ 1,157%-€420-€6,548▼ 1,458%€152,364
Net result€15,051within the sector's middle half▼ 59.6%€273,623above the sector's middle half▲ 1,718%-€19,983below the sector's middle half-€31,134below the sector's middle half▼ 55.8%€101,753above the sector's middle half
Equity€240,110within the sector's middle half▼ 21.3%€513,733above the sector's middle half▲ 114%€409,750above the sector's middle half▼ 20.2%€378,616above the sector's middle half▼ 7.6%€480,369above the sector's middle half▲ 26.9%
Total assets€516,760within the sector's middle half▼ 13.5%€775,670above the sector's middle half▲ 50.1%€765,929above the sector's middle half▼ 1.3%€697,869within the sector's middle half▼ 8.9%€839,096above the sector's middle half▲ 20.2%
Debt€276,650▼ 5.3%€261,937▼ 5.3%€356,178▲ 36.0%€319,252▼ 10.4%€358,726▲ 12.4%
Working capital-€29,183below the sector's middle half€258,937above the sector's middle half€486,045above the sector's middle half▲ 87.7%€454,649above the sector's middle half▼ 6.5%€612,616above the sector's middle half▲ 34.7%
Solvency46.5%within the sector's middle half▼ 4.6pp66.2%within the sector's middle half▲ 19.8pp53.5%within the sector's middle half▼ 12.7pp54.3%within the sector's middle half▲ 0.8pp57.2%within the sector's middle half▲ 3.0pp
Current ratio0.89below the sector's middle half▼ 0.222.02within the sector's middle half▲ 1.1320.16above the sector's middle half▲ 18.1423.41above the sector's middle half
Return on assets (ROA)2.9%within the sector's middle half▼ 3.3pp35.3%above the sector's middle half▲ 32.4pp-2.6%below the sector's middle half▼ 37.9pp-4.5%below the sector's middle half▼ 1.9pp12.1%within the sector's middle half▲ 16.6pp
Staff (FTE)2.4▼ 7.7%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €152,364 after a loss of €6,548 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €839,096
Fixed assets
€199,147 ▼ 17.1%
Current assets
€639,948 ▲ 39.8%
Equity and liabilities €839,096
Equity
€480,369 ▲ 26.9%
Debt
€358,726 ▲ 12.4%
Debt's share of the balance-sheet total falls from 45.7% to 42.8%. Equity and debt are higher.
Key figures and ratios
ROE
21.2%▲
2024 · -8.2%
Debt ≤ 1 year
€27,333▲
2024 · €2,948
Debt > 1 year
€310,000▲
2024 · €292,000
Income taxes
€29,620▲
2024 · €199
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €368,120 | - | - | €172,295 | - |
| Remuneration, social security and pensions62 | €102,932 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,377 | €15,078 | €15,279 | €16,231 | €11,235 | ▼ 30.8% |
| Other operating charges640/8 | €1,952 | €2,453 | €3,040 | €2,784 | €2,866 | ▲ 3.0% |
| Non-recurring operating charges66A | - | - | - | - | €9,075 | - |
| Gross operating margin9900 | €152,530 | €423,165 | €17,898 | €12,467 | €175,540 | ▲ 1,308% |
| Operating profit (loss)9901 | €32,269 | €405,635 | -€420 | -€6,548 | €152,364 | ▲ 2,427% |
| Financial income75/76B | - | €18 | €1 | €212 | €735 | ▲ 247% |
| Recurring financial income75 | - | €18 | €1 | €212 | €735 | ▲ 247% |
| Financial charges65/66B | €9,999 | €9,510 | €19,563 | €24,599 | €21,726 | ▼ 11.7% |
| Recurring financial charges65 | €9,999 | €9,510 | €19,563 | €24,599 | €21,726 | ▼ 11.7% |
| Profit (loss) for the period before taxes9903 | €22,270 | €396,143 | -€19,983 | -€30,936 | €131,373 | ▲ 525% |
| Income taxes67/77 | €7,219 | €122,519 | - | €199 | €29,620 | ▲ 14,815% |
| Profit (loss) for the period9904 | €15,051 | €273,623 | -€19,983 | -€31,134 | €101,753 | ▲ 427% |
| Profit (loss) for the period to be appropriated9905 | €15,051 | €273,623 | -€19,983 | -€31,134 | €101,753 | ▲ 427% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €516,760 | €775,670 | €765,929 | €697,869 | €839,096 | ▲ 20.2% |
| Fixed assets21/28 | €278,974 | €263,896 | €254,521 | €240,272 | €199,147 | ▼ 17.1% |
| Tangible fixed assets22/27 | €268,614 | €253,536 | €244,521 | €230,272 | €189,147 | ▼ 17.9% |
| Land and buildings22 | €268,442 | €253,536 | €244,521 | €230,272 | €189,147 | ▼ 17.9% |
| Furniture and vehicles24 | €171 | - | - | - | - | - |
| Financial fixed assets28 | €10,360 | €10,360 | €10,000 | €10,000 | €10,000 | = |
| Current assets29/58 | €237,786 | €511,773 | €511,408 | €457,597 | €639,948 | ▲ 39.8% |
| Amounts receivable after more than one year29 | - | €262,943 | €210,354 | €157,766 | €105,177 | ▼ 33.3% |
| Trade receivables290 | - | €262,943 | €210,354 | €157,766 | €105,177 | ▼ 33.3% |
| Amounts receivable within one year40/41 | €2,781 | €52,589 | €62,589 | €68,014 | €69,236 | ▲ 1.8% |
| Other amounts receivable41 | €2,781 | €52,589 | €62,589 | €68,014 | €69,236 | ▲ 1.8% |
| Cash at bank and in hand54/58 | €225,964 | €195,796 | €237,106 | €231,396 | €450,136 | ▲ 94.5% |
| Deferred charges and accrued income490/1 | €9,042 | €446 | €1,359 | €422 | €15,400 | ▲ 3,552% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €516,760 | €775,670 | €765,929 | €697,869 | €839,096 | ▲ 20.2% |
| Equity10/15 | €240,110 | €513,733 | €409,750 | €378,616 | €480,369 | ▲ 26.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €227,159 | €500,920 | €409,920 | €409,920 | €467,960 | ▲ 14.2% |
| Non-distributable reserves130/1 | €1,859 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | - | - | - | - | - |
| Distributable reserves133 | €225,300 | €500,920 | €409,920 | €409,920 | €467,960 | ▲ 14.2% |
| Profit (loss) carried forward14 | €550 | €413 | -€12,570 | -€43,704 | €9 | ▲ 100% |
| Amounts payable17/49 | €276,650 | €261,937 | €356,178 | €319,252 | €358,726 | ▲ 12.4% |
| Amounts payable after more than one year17 | - | - | €312,000 | €292,000 | €310,000 | ▲ 6.2% |
| Financial debts170/4 | - | - | €312,000 | €292,000 | €310,000 | ▲ 6.2% |
| Amounts payable within one year42/48 | €266,969 | €252,837 | €25,363 | €2,948 | €27,333 | ▲ 827% |
| Financial debts43 | €2,564 | €2,562 | €2,600 | €904 | €912 | ▲ 0.9% |
| Credit institutions430/8 | €2,564 | - | €2,600 | €904 | €912 | ▲ 0.9% |
| Other loans439 | - | €2,562 | - | - | - | - |
| Trade debts44 | €13,725 | €294 | €199 | - | - | - |
| Suppliers440/4 | €13,725 | €294 | €199 | - | - | - |
| Taxes, remuneration and social security45 | €29,039 | €24,444 | €22,519 | - | €26,120 | - |
| Taxes450/3 | €10,699 | €24,444 | €22,519 | - | €26,120 | - |
| Remuneration and social security454/9 | €18,339 | - | - | - | - | - |
| Other amounts payable47/48 | €221,642 | €225,536 | €45 | €2,044 | €300 | ▼ 85.3% |
| Accrued charges and deferred income492/3 | €9,681 | €9,100 | €18,815 | €24,304 | €21,394 | ▼ 12.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,051 | €273,623 | -€19,983 | -€31,134 | €101,753 | ▲ 427% |
| + Depreciation and write-downs630 | €15,377 | €15,078 | €15,279 | €16,231 | €11,235 | ▼ 30.8% |
| Operating cash flow (approximation) | €30,428 | €288,701 | -€4,704 | -€14,903 | €112,988 | ▲ 858% |
| Investment in fixed assets (approximation) | - | €0 | -€5,904 | -€1,982 | €29,889 | ▲ 1,608% |
| Change in cash | - | -€30,167 | €41,310 | -€5,710 | €218,740 | ▲ 3,931% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €101,753
Net result €101,753 after 2 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet -€31,134
Net result drops to -€31,134, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 155.21
Current ratio from 20.16 to 155.21; short-term debt falls from €25,363 to €2,948.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Liquidity times 10current ratio 20.16
Current ratio from 2.02 to 20.16; short-term debt falls from €252,837 to €25,363.
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
31-12
Financial
Highest result since 2018net €273,623 ▲1,718%
Operating result €405,635, net result €273,623, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.02
Current ratio from 0.89 to 2.02; short-term debt falls from €266,969 to €252,837.
31-12
Financial
Equity above €500,000Eq €513,733 ▲114%
5 profitable years in a row build equity to €513,733.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Show earlier events
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 37 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Nazareth-De Pinte · 1 establishment unit since 1991
Ground area
2,124 m²
Building footprint
192 m²
Volume, LiDAR
1,119 m³
Parcel 44048B0112/00D000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Deinzestraat 39, 9810 Nazareth-De Pinte
since 19912.051.516.445
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048B0112/00D000 | Flanders | 2,124 m² | 1 · 191 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
25%
According to the 2025 annual accounts of Vanhoecke Tom and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,021 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
Founded17-01-1991
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Not found in the Peppol register
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Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.