Thomco Interieur · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Thomco Interieur is 2.5% (moderate). The 2025 annual accounts show equity of €25k and a net result of €13k. Its solvency ranks better than 13% of 2904 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 2904 sector peers (2025).

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	31-07-2026	on the day	2026-00365433
31-12-2024	31-07-2025	30-06-2025	31 d early	2025-00199201

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2024, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.5% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€13k+17.1%

Working capital€175k+3041.9%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 31-07-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	7.7%	43.3%	better than 13% of 2904 sector peers
Net result	€13k	€13k	better than 50% of 2903 sector peers
Equity	€25k	€44k	better than 33% of 2904 sector peers
Gross operating margin	€31k	€39k	better than 42% of 2901 sector peers
Total assets	€321k	€115k	better than 84% of 2904 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€30k

+45.3% 24-25

Net profit

€13k

+17.1% 24-25

Cash flow

€19k

+36.8% 24-25

Total assets

€321k

+481.0% 24-25

Equity

€25k

+116.1% 24-25

Working capital

€175k

+3041.9% 24-25

Income taxes

€6k

+17.3% 24-25

Debt

€296k

+576.6% 24-25

Show 9 other metrics

Debt ≤ 1y

€124k

+424.3% 24-25

Debt > 1y

€172k

+753.8% 24-25

Current ratio

2.41

+95.2% 24-25

Quick ratio

1.06

+2.9% 24-25

Solvency

7.7%

-62.8% 24-25

Debt / equity

11.96

+213.2% 24-25

ROE

53.7%

-45.8% 24-25

ROA

4.1%

-79.8% 24-25

Interest coverage

6.97

-62.9% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€30k
Net profit	€13k
Cash flow	€19k
Staff costs	-
Income taxes	€6k
Dividends	-
Total assets	€321k
Equity	€25k
Debt	€296k
of which ≤ 1y	€124k
of which > 1y	€172k
Working capital	€175k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.41
Quick ratio	1.06
Working capital ratio	54.6%
Solvency	7.7%
Debt / equity	11.96
Long-term debt ratio	6.92
Interest coverage	6.97
Gross margin	-
Net margin	-
ROA	4.1%
ROE	53.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €21k · 6.7% Current assets €300k · 93.3%

Equity & liabilities

Equity €25k · 7.7% Debt €296k · 92.3%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€321k
Fixed assets	21/28	€21k
Tangible fixed assets	22/27	€21k
Current assets	29/58	€300k
Stocks & contracts in progress	3	€168k
Amounts receivable within one year	40/41	€45k
Cash & bank	54/58	€85k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€321k
Equity	10/15	€25k
Contributions / capital	10/11	€100
Reserves	13	€25k
Amounts payable	17/49	€296k
Amounts payable after one year	17	€172k
Amounts payable within one year	42/48	€124k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€31k
Operating result	9901	€24k
Financial income	75	€9
Financial charges	65	€4k
Result before taxes	9903	€20k
Income taxes	67/77	€6k
Net result for the period	9904	€13k
Result to be appropriated	9905	€13k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

81 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Letterveldweg 59320 Aalst

Establishment units

1 location

Hogeweg 86, 9320 Aalst

Vervaardiging van kantoor- en winkelmeubelen

since 20242.361.567.839

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area50 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41014A1250/00N000	Flanders	50 m²	-	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts

Address history · 1

07-05-2026

Seat change: to: Letterveldweg 5, 9320 Erembodegem, from: Dom Modest van Asschelaan 65, 9320 Aalst, effective_date: 2026-03-04

All acts · 3 updated 3 months ago

2026

07-05-2026 Board meeting · Seat change · Power of attorney · Act object Open-capture extraction

Filing: 2026-04-14 · Thomco Interieur
Publication: 2026-05-07 · Thomco Interieur
Board meeting: 2026-03-04 · Thomco Interieur
Seat change: to: Letterveldweg 5, 9320 Erembodegem, from: Dom Modest van Asschelaan 65, 9320 Aalst, effective_date: 2026-03-04 · Thomco Interieur
Power of attorney: type: bijzondere volmacht, purpose: neerlegging · BV JULIE BRAEM
Act object: Zetel (zetelverplaatsing)