TOM'S DINER
ActiveTOM'S DINER has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €250k and a net result of €23k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 3657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-28
Solvency97▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.46 against 2.72 in 2024; short-term debt: 27.6% and cash: 1.6% of total assets), and 27.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
72.4%
Return on assets
6.8%
Age of the figures
9 mo
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
6 d early
2023
on the day
2022
29 d late
2021
31 d late
2020
61 d late
2019
69 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€250k▲ 0.5%
2024 · €248k
2018: €216k
2019: €215k
2020: €206k
2021: €209k
2022: €236k
2023: €241k
2024: €248k
2018 → 2025
Total assets
€345k▼ 10.0%
2024 · €383k
2018: €448k
2019: €386k
2020: €311k
2021: €318k
2022: €378k
2023: €408k
2024: €383k
2018 → 2025
Net result
€23k▼ 55.4%
2024 · €52k
2018: €36k
2019: €-2k
2020: €-9k
2021: €3k
2022: €27k
2023: €46k
2024: €52k
2018 → 2025
Working capital
€235k▲ 5.8%
2024 · €222k
2018: €109k
2019: €123k
2020: €156k
2021: €157k
2022: €182k
2023: €205k
2024: €222k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€209k-€236k▲ 12.7%€241k▲ 2.4%€248k▲ 3.0%€250k▲ 0.5%
Operating result€7k-€33k▲ 350%€53k▲ 61.9%€61k▲ 16.0%€35k▼ 42.1%
Net result€3k-€27k▲ 825%€46k▲ 71.1%€52k▲ 14.5%€23k▼ 55.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€15k▼ 52.4%
Current assets
€330k▼ 6.1%
Equity and liabilities €345k
Equity
€250k▲ 0.5%
Debt
€95k▼ 29.3%
The debt ratio falls from 35.2% to 27.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▼
2024 · €88k
Cash flow
€38k▼
2024 · €79k
Solvency
72.4%▲
2024 · 64.8%
Current ratio
3.46▲
2024 · 2.72
Quick ratio
3.39▲
2024 · 2.66
Debt / equity
0.38▼
2024 · 0.54
ROE
9.3%▼
2024 · 21.0%
ROA
6.8%▼
2024 · 13.6%
Interest coverage
3.73▼
2024 · 6.22
Debt
€95k▼
2024 · €135k
Debt ≤ 1 year
€95k▼
2024 · €129k
Income taxes
€5k▲
2024 · €1k
Staff costs
€232k▲
2024 · €230k
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€383k€345k▼
Fixed assets21/28€32k€15k▼
Tangible fixed assets22/27€32k€15k▼
Plant, machinery and equipment23€30k€15k▼
Furniture and vehicles24€2k-
Current assets29/58€351k€330k▼
Stocks and contracts in progress3€7k€7k▲
Stocks30/36€7k€7k▲
Amounts receivable within one year40/41€316k€316k▲
Trade receivables40€5k€5k▼
Other amounts receivable41€311k€312k▲
Cash at bank and in hand54/58€28k€5k▼
Deferred charges and accrued income490/1-€748
Equity and liabilities
Total equity and liabilities10/49€383k€345k▼
Equity10/15€248k€250k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€228k€229k▲
Amounts payable17/49€135k€95k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€129k€95k▼
Current portion of amounts payable after more than one year42€16k€10k▼
Financial debts43€17k€16k▼
Credit institutions430/8€17k€16k▼
Trade debts44€28k€26k▼
Suppliers440/4€28k€26k▼
Taxes, remuneration and social security45€24k€21k▼
Taxes450/3€11k€9k▼
Remuneration and social security454/9€13k€13k▼
Other amounts payable47/48€45k€22k▼
Accrued charges and deferred income492/3€163€126▼
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€230k€232k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€15k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€321k€285k▼
Operating profit (loss)9901€61k€35k▼
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€53k€28k▼
Income taxes67/77€1k€5k▲
Profit (loss) for the period9904€52k€23k▼
Profit (loss) for the period to be appropriated9905€52k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€273k€251k▼
Profit (loss) brought forward from the previous period14P€221k€228k▲
Profit to be distributed694/7€45k€22k▼
Directors or managers695€45k€22k▼
Social balance
Average headcount (FTE)90875.75.5▼
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €52k ▲14.5%
Operating result €61k, net result €52k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Brugge · 1 establishment unit since 2002
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.
West-Gistelhof 238000 BruggeGround area
124 m²
Building footprint
124 m²
Volume, LiDAR
843 m³
Parcel 31805E0582/00B000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOM'S DINER
since 20022.095.740.923
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E0582/00B000 | Flanders | 124 m² | 1 · 124 m² | 9.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.095.740.923
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DBA INVEST
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BISTRO MEAT
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Sint-Gillis (bij-Brussel) · Eq €250k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 8,085 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2002
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.