TOMIK
ActiveSummary
TOMIK has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €741k and a net result of €-63k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-4
Solvency50▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.56 against 0.3 in 2024; short-term debt: 9.1% and cash: 3.6% of total assets), and 74.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-63k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-03-2026, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
41 d early
2024
8 d early
2023
on the day
2022
59 d early
2021
5 d early
2020
3 d early
2019
1 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€741k▼ 7.8%
2024 · €805k
2018: €949k
2019: €946k
2020: €870k
2021: €830k
2022: €873k
2023: €843k
2024: €805k
2018 → 2025
Total assets
€2.95M▼ 6.0%
2024 · €3.14M
2018: €2.34M
2019: €2.23M
2020: €3.84M
2021: €3.94M
2022: €3.42M
2023: €3.34M
2024: €3.14M
2018 → 2025
Net result
€-63k▼ 64.5%
2024 · €-38k
2018: €36k
2019: €-3k
2020: €-75k
2021: €-40k
2022: €43k
2023: €-30k
2024: €-38k
2018 → 2025
Working capital
€-118k▲ 69.8%
2024 · €-390k
2018: €-115k
2019: €-51k
2020: €-301k
2021: €-916k
2022: €-542k
2023: €-485k
2024: €-390k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€830k-€873k▲ 5.1%€843k▼ 3.4%€805k▼ 4.6%€741k▼ 7.8%
Operating result€29k-€73k▲ 147%€47k▼ 35.0%€59k▲ 24.4%€24k▼ 59.5%
Net result€-40k-€43k€-30k€-38k▼ 27.7%€-63k▼ 64.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 60% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.95M
Fixed assets
€2.80M ▼ 5.8%
Current assets
€151k ▼ 11.1%
Equity and liabilities €2.95M
Equity
€741k ▼ 7.8%
Debt
€2.21M ▼ 5.4%
Debt's share of the balance-sheet total rises from 74.4% to 74.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€261k▼
2024 · €288k
Cash flow
€174k▼
2024 · €191k
Current ratio
0.56▲
2024 · 0.30
Debt to equity
2.98▲
2024 · 2.90
ROE
-8.5%▼
2024 · -4.8%
ROA
-2.1%▼
2024 · -1.2%
Interest coverage
3.23▼
2024 · 3.54
Debt ≤ 1 year
€269k▼
2024 · €560k
Debt > 1 year
€1.87M▲
2024 · €1.70M
Income taxes
€7k▼
2024 · €16k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.14M€2.95M▼
Fixed assets21/28€2.97M€2.80M▼
Intangible fixed assets21€1.48M€1.40M▼
Tangible fixed assets22/27€1.49M€1.40M▼
Land and buildings22€1.45M€1.32M▼
Plant, machinery and equipment23€21k€16k▼
Furniture and vehicles24€17k€60k▲
Current assets29/58€170k€151k▼
Amounts receivable within one year40/41€20k€39k▲
Trade receivables40€0€9k▲
Other amounts receivable41€20k€31k▲
Cash at bank and in hand54/58€143k€106k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€3.14M€2.95M▼
Equity10/15€805k€741k▼
Contributions10/11€805k€805k=
Capital10€805k€805k=
Issued capital100€805k€805k=
Reserves13€114k€114k=
Non-distributable reserves130/1€40k€40k=
Reserves not available under the articles1311€40k€40k=
Distributable reserves133€75k€75k=
Profit (loss) carried forward14€-115k€-178k▼
Amounts payable17/49€2.34M€2.21M▼
Amounts payable after more than one year17€1.70M€1.87M▲
Financial debts170/4€1.70M€1.87M▲
Amounts payable within one year42/48€560k€269k▼
Current portion of amounts payable after more than one year42€106k€172k▲
Trade debts44€28k€1k▼
Suppliers440/4€28k€1k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€425k€92k▼
Accrued charges and deferred income492/3€73k€67k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€229k€237k▲
Other operating charges640/8€33k€38k▲
Non-recurring operating charges66A€2k€3k▲
Gross operating margin9900€322k€301k▼
Operating profit (loss)9901€59k€24k▼
Financial income75/76B€132€653▲
Recurring financial income75€132€653▲
Financial charges65/66B€81k€81k▼
Recurring financial charges65€81k€81k▼
Profit (loss) for the period before taxes9903€-22k€-56k▼
Income taxes67/77€16k€7k▼
Profit (loss) for the period9904€-38k€-63k▼
Profit (loss) for the period to be appropriated9905€-38k€-63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-115k€-178k▼
Profit (loss) brought forward from the previous period14P€-76k€-115k▼
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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €43k
Net result €43k after 3 loss-making years.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-75k
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-04
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
5 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, Gent · 1 establishment unit since 1998
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.
Ottergemsesteenweg-Zuid 7319000 GentGround area
2,014 m²
Building footprint
399 m²
Volume, LiDAR
3,213 m³
Parcel 44808H0364/00F003, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ottergemsesteenweg-Zuid 731, 9000 Gent
since 19982.088.781.865
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0364/00F003 | Flanders | 2,014 m² | 1 · 399 m² | 11.9 m · 3 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
WINNETKA
BE 0700.930.413
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LABEUR
BE 0459.567.489
De Haan · Eq €741,991
IMMOLOOZ
BE 0607.925.724
Binche · Eq €742,226
DEMA PROJECTS
BE 0741.381.391
Gent · Eq €742,427
BOELAERT INVEST COMPANY
BE 0466.651.756
Herzele · Eq €740,197
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,962 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 formPublic limited company
Founded30-09-1998
Fiscal year end30-09
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.