Active BE 0743.416.611Private limited company

TÖMMELHOF

Amel,Im Tömmel 7 ·4770 Amel, Belgium· 6 yrs active

Sector: Manufacture of food products (10111)

Conclusion Checked

The computed 12-month bankruptcy probability of TÖMMELHOF is 1.8% (moderate). The 2025 annual accounts show equity of €130k and a net result of €16k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 1473 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€130k
Net result	€16k
Staff (FTE)	2.8
Better than sector	61%

Financial profile 5 of 5 axes measured · computed by Checked

66 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 56

Profitability 61

Solvency 59

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.8% Moderate

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

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

Administrative Flags0 events

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.

Checked score FY 2025 · computed

56 / 100 Fair

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.

Indicative credit limit

€7k

estimate, not credit advice

Score history

61 2021

61 2022

50 2023

69 2024

56 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.69 (< 1.0) -10

Quick ratio Quick ratio 0.49 (< 0.6) -5

Leverage Debt/equity 1.27 (< 2.0) +3

Profitability ROE 12% (≥ 10%) +10

Interest coverage Interest coverage 12.8× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

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

Financial overview6 NBB filings

Annual accounts filed on 13-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~12.2%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 10, Manufacture of food products · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	44.0%	32.7%	better than 61% of 1473 sector peers
Net result	€16k	€8k	better than 61% of 1475 sector peers
Equity	€130k	€54k	better than 72% of 1476 sector peers
Gross operating margin	€138k	€81k	better than 64% of 1474 sector peers
Staff costs	€64k	€75k	higher than 45% of 978 sector peers

EBITDA

€72k

-9.6% 21-25

Net profit

€16k

-28.3% 21-25

Cash flow

€61k

-6.7% 21-25

Total assets

€296k

-7.1% 21-25

Equity

€130k

+13.9% 21-25

Working capital

€-40k

+2.2% 21-25

Employees (FTE)

3

+7.7% 21-25

Staff costs

€64k

-38.0% 21-25

Income taxes

€6k

-2.6% 21-25

Dividends

€37k

+2675.0% 21-25

Debt

€166k

-18.9% 21-25

Debt ≤ 1y

€126k

-5.8% 21-25

Debt > 1y

€40k

-43.8% 21-25

Current ratio

0.69

-1.7% 21-25

Quick ratio

0.49

-19.4% 21-25

Solvency

44.0%

+22.6% 21-25

Debt / equity

1.27

-28.8% 21-25

ROE

12.2%

-37.0% 21-25

ROA

5.4%

-22.8% 21-25

Interest coverage

12.78

+40.9% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	unclassified schema	unclassified schema	unclassified schema	unclassified schema
Revenue	-	-	-	-	-
EBITDA	€72k	€80k	€68k	€60k	€63k
Net profit	€16k	€22k	€21k	€28k	€38k
Cash flow	€61k	€66k	€57k	€51k	€54k
Staff costs	€64k	€102k	€96k	€53k	€9k
Income taxes	€6k	€6k	€5k	€7k	€8k
Dividends	-	-	€37k	€1k	€890
Total assets	€296k	€319k	€330k	€285k	€233k
Equity	€130k	€114k	€92k	€108k	€81k
Debt	€166k	€204k	€238k	€178k	€151k
of which ≤ 1y	€126k	€134k	€163k	€83k	€76k
of which > 1y	€40k	€70k	€74k	€94k	€75k
Working capital	€-40k	€-40k	€-80k	€-20k	€-15k
Employees (FTE)	2.8	2.6	2.1	1.1	1.0

Note: these years are not on the same basis. The filed schemas differ (micro schema, unclassified schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.69	0.70	0.51	0.76	0.80
Quick ratio	0.49	0.61	0.41	0.62	0.78
Working capital ratio	-13.4%	-12.7%	-24.2%	-6.9%	-6.6%
Solvency	44.0%	35.9%	28.0%	37.8%	35.0%
Debt / equity	1.27	1.79	2.58	1.65	1.86
Long-term debt ratio	0.30	0.62	0.81	0.88	0.92
Interest coverage	12.78	9.07	12.33	35.29	43.42
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	5.4%	6.9%	6.5%	9.7%	16.5%
ROE	12.2%	19.4%	23.2%	25.7%	47.1%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €209k · 70.8% Current assets €87k · 29.3%

Equity & liabilities

Equity €130k · 44.0% Debt €166k · 56.0%

Full annual accounts (24 line items)

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

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€296k	€319k	€330k	€285k	€233k
Fixed assets	21/28	€209k	€225k	€246k	€222k	€172k
Tangible fixed assets	22/27	€209k	€225k	€246k	€222k	€172k
Current assets	29/58	€87k	€93k	€84k	€64k	€61k
Stocks & contracts in progress	3	€25k	€12k	€17k	€12k	€2k
Amounts receivable within one year	40/41	€33k	€48k	€40k	€29k	€19k
Cash & bank	54/58	€21k	€27k	€23k	€18k	€39k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€296k	€319k	€330k	€285k	€233k
Equity	10/15	€130k	€114k	€92k	€108k	€81k
Contributions / capital	10/11	€15k	€15k	€15k	€15k	€15k
Reserves	13	€16k	-	-	-	-
Accumulated profits (losses)	14	€99k	€99k	€77k	€93k	€66k
Amounts payable	17/49	€166k	€204k	€238k	€178k	€151k
Amounts payable after one year	17	€40k	€70k	€74k	€94k	€75k
Amounts payable within one year	42/48	€126k	€134k	€163k	€83k	€76k
Trade debts payable within one year	44	€30k	€41k	€27k	€12k	€27k
Income statement
Gross operating margin	9900	€138k	€186k	€164k	€116k	€72k
Operating result	9901	€27k	€37k	€32k	€37k	€47k
Financial income	75	€2	€42	€41	€76	€64
Financial charges	65	€6k	€9k	€6k	€2k	€1k
Result before taxes	9903	€21k	€28k	€27k	€35k	€46k
Income taxes	67/77	€6k	€6k	€5k	€7k	€8k
Net result for the period	9904	€16k	€22k	€21k	€28k	€38k
Result to be appropriated	9905	€16k	€22k	€21k	€28k	€38k

Legal Structure

NACE primary	Manufacture of food products(10111)
Legal form	Private limited company(610)
Incorporation	07-02-2020
Status	Active
Postal code	4770

Establishment units 1 location

TÖMMELHOF

Amel,Im Tömmel 7, 4770 AmelRaising of dairy cattle

since 20202.301.126.149

Updates 7 events

All 10Financial 3Gazette 1Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

13-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €16k ▼28.3%

Net result drops to €16k, the lowest in the series.

30-06

NBB filing Annual accounts filed

fiscal year 2024 · unclassified schema

2024

31-12

Financial Equity above €100kEq €114k ▲24%

4 profitable years in a row build equity to €114k.

11-06

NBB filing Annual accounts filed

fiscal year 2023 · unclassified schema

2023

11-04

NBB filing Annual accounts filed

fiscal year 2022 · unclassified schema

06-01

State Gazette act Minor change

Officer designation

2022

31-12

Financial Equity above €100kEq €108k ▲32.3%

2 profitable years in a row build equity to €108k.

23-06

NBB filing Annual accounts filed

fiscal year 2021 · unclassified schema

2021

24-06

NBB filing Annual accounts filed

fiscal year 2020 · unclassified schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 3 years ago

2023

06-01-2023 Publication in the Belgian Official Gazette, Minor change Minor change

Summary: Officer designation

Original publication ↗

Technical details

{
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-01-06",
    "filing_date": null,
    "act_kind_objet": "Ernennung"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-12-08",
    "unanimous": true
  },
  "agm_change": null,
  "detected_kind": "officer_designation",
  "other_address": null,
  "mandate_renewal": {
    "period_end": null,
    "mandate_kind": "Verwalter",
    "period_start": "2022-12-08",
    "remuneration_eur": null,
    "remuneration_kind": null,
    "person_or_entity_kbo": null,
    "person_or_entity_name": "Anja Neissen"
  },
  "subject_company": {
    "kbo": "0743.416.611",
    "name_full": "T\u00D6MMELHOF",
    "legal_form": "GmbH"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": {
    "role": "Verwalter",
    "organ": "bestuursorgaan",
    "person_name": "Anja Neissen"
  },
  "special_procuration": null,
  "is_volet_a_only_stub": true,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Manufacture of food products10110Manufacture of food products10111Retail sale of meat and meat products, excluding game and poultry47221Wholesale of live animals46231Event catering56210Renting and operating of own or leased non-residential real estate, excluding land68203Organisation of conventions and trade shows82300

Names & trade names

Legal nameDE

TÖMMELHOF

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