Groep Thomas Tuinen
ActiveThe computed 12-month bankruptcy probability of Groep Thomas Tuinen is 2.4% (moderate). The 2025 annual accounts show equity of €39k and a net result of €16k. Equity is growing by ~47.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 4472 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77=
Solvency40▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.89 in 2024; short-term debt: 66.1% and cash: 15.7% of total assets), and 85.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.9%
Return on assets
6.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 4472 sector peers (2025).
NBB · sector comparisonPosition among 4472 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
3 d early
2023
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 40.8%
2024 · €28k
2023: €13k
2024: €28k
2023 → 2025
Total assets
€260k▲ 15.4%
2024 · €226k
2023: €424k
2024: €226k
2023 → 2025
Net result
€16k▲ 9.2%
2024 · €15k
2023: €26k
2024: €15k
2023 → 2025
Working capital
€-3k▲ 80.0%
2024 · €-14k
2023: €-35k
2024: €-14k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€28k▲ 117%€39k▲ 40.8%
Operating result€31k-€26k▼ 18.1%€27k▲ 3.7%
Net result€26k-€15k▼ 42.0%€16k▲ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €260k
Fixed assets
€91k▼ 12.4%
Current assets
€169k▲ 39.1%
Equity and liabilities €260k
Equity
€39k▲ 40.8%
Debt
€222k▲ 11.8%
The debt ratio falls from 87.8% to 85.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▲
2024 · €43k
Cash flow
€36k▲
2024 · €32k
Solvency
14.9%▲
2024 · 12.2%
Current ratio
0.98▲
2024 · 0.89
Quick ratio
0.97▲
2024 · 0.88
Debt / equity
5.71▼
2024 · 7.20
ROE
41.9%▼
2024 · 54.0%
ROA
6.2%▼
2024 · 6.6%
Interest coverage
6.84▲
2024 · 6.41
Debt
€222k▲
2024 · €198k
Debt ≤ 1 year
€172k▲
2024 · €136k
Debt > 1 year
€49k▼
2024 · €62k
Income taxes
€4k▼
2024 · €5k
Staff costs
€172k▲
2024 · €152k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€226k€260k▲
Fixed assets21/28€104k€91k▼
Intangible fixed assets21€6k€5k▼
Tangible fixed assets22/27€98k€86k▼
Land and buildings22€49k€49k=
Plant, machinery and equipment23€20k€17k▼
Furniture and vehicles24€18k€16k▼
Leasing and similar rights25€11k€4k▼
Current assets29/58€122k€169k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€104k€125k▲
Trade receivables40€100k€108k▲
Other amounts receivable41€4k€18k▲
Cash at bank and in hand54/58€14k€41k▲
Deferred charges and accrued income490/1€825€666▼
Equity and liabilities
Total equity and liabilities10/49€226k€260k▲
Equity10/15€28k€39k▲
Contributions10/11€2k€2k=
Reserves13€26k€37k▲
Distributable reserves133€26k€37k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€198k€222k▲
Amounts payable after more than one year17€62k€49k▼
Financial debts170/4€62k€49k▼
Amounts payable within one year42/48€136k€172k▲
Current portion of amounts payable after more than one year42€14k€13k▼
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€101k€117k▲
Suppliers440/4€101k€117k▲
Taxes, remuneration and social security45€19k€25k▲
Taxes450/3€2k€2k▼
Remuneration and social security454/9€17k€23k▲
Other amounts payable47/48€230€16k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€152k€172k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€197k€222k▲
Operating profit (loss)9901€26k€27k▲
Financial income75/76B€468€493▲
Recurring financial income75€468€493▲
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€20k€20k▲
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€15k€16k▲
Profit (loss) for the period to be appropriated9905€15k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€16k▲
Transfer to equity691/2€15k€11k▼
To other reserves6921€15k€11k▼
Profit to be distributed694/7€0€5k▲
Directors or managers695€0€5k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €15k ▼42%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Temse · 1 establishment unit since 2023
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.
Blindstraat 1419140 TemseGround area
1,169 m²
Building footprint
152 m²
Parcel 46302C0363/00B000, Flanders. Linked by address, not a title deed.
1 establishment unit
EquiLotte
since 20232.343.610.862
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302C0363/00B000 | Flanders | 1,169 m² | 1 · 152 m² | - |
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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 1 endedGroenaanleg en –beheer duaal (so)
Medewerker groen- en tuinaanleg (vwo)
Medewerker groen- en tuinaanleg duaal (so)
Medewerker groen- en tuinbeheer (vwo)
Medewerker groen- en tuinbeheer duaal (so)
Similar companies · same sector, comparable size
DANIEL BOCART ENTREPRISE AGRICOLE
BE 0479.601.751
Cerfontaine · Eq €39k
TUINAANLEG SVEN HENDRIKX
BE 0748.847.522
Tervuren · Eq €39k
HANS JORIS - ORIENTAL DECORATIVE ARTS
BE 0442.962.277
Ranst · Eq €39k
Ludo Pira
BE 0417.374.271
Kampenhout · Eq €39k
PAYSAGISTE PAQUE
BE 0820.217.350
Ramillies · Eq €39k
Of 21,219 companies in sector 81300 we hold annual accounts for 4,363. 3,510 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2023
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
01480Raising of other animals
01490Crop and animal production, hunting and related service activities
02100Forestry and logging
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.