Vlayen Tommy
ActiveThe computed 12-month bankruptcy probability of Vlayen Tommy is 2.4% (moderate). The 2024 annual accounts show equity of €47k and a net result of €3k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 36378 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
74
/ 100
Healthy▼ -12 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-22
Solvency69▼-10
Growth52=
Stability100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.55 in 2023), and 59.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
40.2%
Return on assets
2.5%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
43 d early
2023
27 d early
2022
17 d early
2021
11 d early
2020
13 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€47k▲ 6.7%
2023 · €44k
2020: €33k
2021: €30k
2022: €40k
2023: €44k
2020 → 2024
Total assets
€118k▲ 17.4%
2023 · €101k
2020: €79k
2021: €109k
2022: €114k
2023: €101k
2020 → 2024
Net result
€3k▼ 36.9%
2023 · €5k
2020: €30k
2021: €-2k
2022: €10k
2023: €5k
2020 → 2024
Working capital
€10k▼ 47.3%
2023 · €20k
2020: €26k
2021: €1k
2022: €15k
2023: €20k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€33k-€30k▼ 7.6%€40k▲ 31.8%€44k▲ 11.8%€47k▲ 6.7%
Operating result€41k-€485▼ 98.8%€16k▲ 3,277%€10k▼ 40.5%€8k▼ 17.1%
Net result€30k-€-2k€10k€5k▼ 51.0%€3k▼ 36.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 17% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €118k
Fixed assets
€74k▲ 64.3%
Current assets
€44k▼ 20.4%
Equity and liabilities €118k
Equity
€47k▲ 6.7%
Debt
€71k▲ 25.8%
The debt ratio rises from 55.8% to 59.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€18k▼
2023 · €31k
Cash flow
€13k▼
2023 · €26k
Solvency
40.2%▼
2023 · 44.2%
Current ratio
1.31▼
2023 · 1.55
Quick ratio
1.31▼
2023 · 1.55
Debt / equity
1.49▲
2023 · 1.26
ROE
6.3%▼
2023 · 10.6%
ROA
2.5%▼
2023 · 4.7%
Interest coverage
10.56▼
2023 · 23.89
Debt
€71k▲
2023 · €56k
Debt ≤ 1 year
€34k▼
2023 · €36k
Debt > 1 year
€37k▲
2023 · €20k
Income taxes
€4k▼
2023 · €4k
Staff costs
€61k▼
2023 · €62k
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€101k€118k▲
Fixed assets21/28€45k€74k▲
Tangible fixed assets22/27€45k€74k▲
Land and buildings22€5k€7k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€36k€64k▲
Current assets29/58€56k€44k▼
Amounts receivable within one year40/41€19k€18k▼
Trade receivables40€18k€17k▼
Other amounts receivable41€1k€666▼
Cash at bank and in hand54/58€35k€27k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€101k€118k▲
Equity10/15€44k€47k▲
Contributions10/11€3k€3k=
Reserves13€34k€37k▲
Distributable reserves133€34k€37k▲
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€56k€71k▲
Amounts payable after more than one year17€20k€37k▲
Financial debts170/4€20k€37k▲
Amounts payable within one year42/48€36k€34k▼
Current portion of amounts payable after more than one year42€16k€12k▼
Trade debts44€5k€948▼
Suppliers440/4€5k€948▼
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€1k€5k▲
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€8k€10k▲
Income statement
Code20232024
Remuneration, social security and pensions62€62k€61k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€10k▼
Other operating charges640/8€1k€786▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€94k€84k▼
Operating profit (loss)9901€10k€8k▼
Financial income75/76B€0€95▲
Recurring financial income75€0€95▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€8k€6k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€5k€3k▼
Profit (loss) for the period to be appropriated9905€5k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€11k▼
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer to equity691/2€5k€3k▼
To the legal reserve6920€5k€3k▼
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
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-2k ▼108%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Zoutleeuw · 1 establishment unit since 2020
Ground area
784 m²
Building footprint
107 m²
Volume, LiDAR
550 m³
Parcel 24021B0132/00W002, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vlayen Tommy
since 20202.300.707.267
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24021B0132/00W002 | Flanders | 784 m² | 1 · 107 m² | 7.2 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.
Similar companies · same sector, comparable size
B MENUISERIE et Z CONSTRUCTION GENERALE
BE 0647.882.301
Anderlecht · Eq €47k
JOBO MAATWERK
BE 0761.436.439
Herzele · Eq €47k
CALLUM CAMPBELL HOUTCONSTRUCTIES
BE 0631.688.348
Deinze · Eq €47k
All Reno Persé
BE 0788.865.267
Brecht · Eq €47k
PATRICK SCHAUT
BE 0846.539.388
Kampenhout · Eq €47k
Of 19,949 companies in sector 43320 we hold annual accounts for 9,078. 7,300 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2020
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.