Summary
TOM CL 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 €9.55M and a net result of €1.89M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 57% of 5527 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €9.55M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
51 d early
2023
44 d early
2022
46 d early
2021
37 d early
2020
46 d early
2019
10 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€9.55M▲ 24.6%
2024 · €7.66M
2018: €663k
2019: €1.02M
2020: €888k
2021: €1.12M
2022: €1.27M
2023: €6.53M
2024: €7.66M
2018 → 2025
Net result
€1.89M▲ 66.5%
2024 · €1.13M
2018: €22k
2019: €121k
2020: €104k
2021: €233k
2022: €151k
2023: €5.49M
2024: €1.13M
2018 → 2025
Total assets
€16.20M▲ 60.9%
2024 · €10.07M
2018: €3.05M
2019: €4.62M
2020: €4.42M
2021: €4.22M
2022: €4.07M
2023: €9.26M
2024: €10.07M
2018 → 2025
Solvency
58.9%▼ 17.1pp
2024 · 76.1%
2018: 21.7%
2019: 22.0%
2020: 20.1%
2021: 26.5%
2022: 31.2%
2023: 70.5%
2024: 76.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.12M-€1.27M▲ 13.5%€6.53M▲ 413%€7.66M▲ 17.4%€9.55M▲ 24.6%
Operating result€256k-€278k▲ 8.6%€386k▲ 38.7%€382k▼ 0.9%€255k▼ 33.3%
Net result€233k-€151k▼ 35.1%€5.49M▲ 3,536%€1.13M▼ 79.4%€1.89M▲ 66.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 33% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.20M
Fixed assets
€15.45M ▲ 57.1%
Current assets
€745k ▲ 221%
Equity and liabilities €16.20M
Equity
€9.55M ▲ 24.6%
Provisions
€35k ▼ 11.1%
Debt
€6.62M ▲ 179%
Debt's share of the balance-sheet total rises from 23.5% to 40.8%. Equity and debt are higher.
Key figures and ratios
ROE
19.8%▲
2024 · 14.8%
ROA
11.7%▲
2024 · 11.3%
Debt ≤ 1 year
€1.81M▲
2024 · €456k
Debt > 1 year
€4.81M▲
2024 · €1.91M
Income taxes
€58k▼
2024 · €92k
Staff costs
€74k▼
2024 · €97k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10.07M€16.20M▲
Fixed assets21/28€9.84M€15.45M▲
Tangible fixed assets22/27€3.47M€9.08M▲
Land and buildings22€3.35M€8.84M▲
Furniture and vehicles24€25k€115k▲
Other tangible fixed assets26€96k€123k▲
Financial fixed assets28€6.36M€6.38M▲
Current assets29/58€232k€745k▲
Amounts receivable within one year40/41€43k€54k▲
Trade receivables40€43k€54k▲
Current investments50/53€82k€61k▼
Cash at bank and in hand54/58€98k€623k▲
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€10.07M€16.20M▲
Equity10/15€7.66M€9.55M▲
Contributions10/11€25k€25k=
Reserves13€7.64M€9.52M▲
Tax-exempt reserves132€76k€68k▼
Distributable reserves133€7.56M€9.46M▲
Provisions and deferred taxes16€39k€35k▼
Deferred taxes168€39k€35k▼
Amounts payable17/49€2.37M€6.62M▲
Amounts payable after more than one year17€1.91M€4.81M▲
Financial debts170/4€1.91M€4.81M▲
Amounts payable within one year42/48€456k€1.81M▲
Current portion of amounts payable after more than one year42€332k€487k▲
Financial debts43-€1.25M
Credit institutions430/8-€1.25M
Trade debts44€11k€10k▼
Suppliers440/4€11k€10k▼
Taxes, remuneration and social security45€16k€44k▲
Taxes450/3€7k€33k▲
Remuneration and social security454/9€9k€12k▲
Other amounts payable47/48€97k€15k▼
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Remuneration, social security and pensions62€97k€74k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€167k€239k▲
Other operating charges640/8€26k€32k▲
Gross operating margin9900€672k€600k▼
Operating profit (loss)9901€382k€255k▼
Financial income75/76B€911k€1.77M▲
Recurring financial income75€911k€1.77M▲
Financial charges65/66B€71k€83k▲
Recurring financial charges65€71k€83k▲
Profit (loss) for the period before taxes9903€1.22M€1.94M▲
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€92k€58k▼
Profit (loss) for the period9904€1.13M€1.89M▲
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€1.14M€1.90M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.14M€1.90M▲
Transfer to equity691/2€1.14M€1.90M▲
To other reserves6921€1.14M€1.90M▲
Social balance
Average headcount (FTE)90871.21.3▲
The notes to these accounts (19 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €5.49M ▲3536%
Operating result €386k, net result €5.49M, both a record.
31-12
Financial
Equity above €5MEq €6.53M ▲413%
6 profitable years in a row build equity to €6.53M.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.12M ▲26.2%
4 profitable years in a row build equity to €1.12M.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €1MEq €1.02M ▲53.4%
2 profitable years in a row build equity to €1.02M.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Schilde · 1 establishment unit since 2007
Ground area
5,982 m²
Building footprint
482 m²
Volume, LiDAR
3,168 m³
Parcel 11041B0513/00T000, Flanders · tallest building 22.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOM CL
since 20072.160.182.773
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0513/00T000 | Flanders | 5,982 m² | 1 · 482 m² | 22.1 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 6,167 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.