TUINEN TOM
ActiveTUINEN TOM has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €17k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 59% of 4322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency94▼-6
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.31 against 5.29 in 2024), but 51% 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 81
Relative position
BE, all sectors
reference
Sector 81
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
49%
Return on assets
8.6%
Age of the figures
8 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
28 d early
2023
50 d early
2022
20 d early
2021
75 d early
2020
75 d early
2019
46 d early
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 20.0%
2024 · €83k
2018: €27k
2019: €27k
2020: €34k
2021: €56k
2022: €70k
2023: €74k
2024: €83k
2018 → 2025
Total assets
€202k▲ 87.2%
2024 · €108k
2018: €40k
2019: €57k
2020: €80k
2021: €87k
2022: €135k
2023: €109k
2024: €108k
2018 → 2025
Net result
€17k▼ 36.6%
2024 · €28k
2018: €-11k
2019: €-11k
2020: €-4k
2021: €21k
2022: €14k
2023: €4k
2024: €28k
2018 → 2025
Working capital
€161k▲ 125%
2024 · €72k
2018: €24k
2019: €23k
2020: €23k
2021: €46k
2022: €56k
2023: €64k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€70k▲ 24.9%€74k▲ 6.3%€83k▲ 11.6%€99k▲ 20.0%
Operating result€32k-€18k▼ 45.4%€1k▼ 92.0%€38k▲ 2,614%€32k▼ 15.7%
Net result€21k-€14k▼ 35.2%€4k▼ 68.5%€28k▲ 531%€17k▼ 36.6%
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 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202k
Fixed assets
€11k▼ 44.8%
Current assets
€191k▲ 117%
Equity and liabilities €202k
Equity
€99k▲ 20.0%
Debt
€103k▲ 305%
The debt ratio rises from 23.5% to 51.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€41k▼
2024 · €47k
Cash flow
€26k▼
2024 · €36k
Solvency
49.0%▼
2024 · 76.5%
Current ratio
6.31▲
2024 · 5.29
Quick ratio
5.35▲
2024 · 5.29
Debt / equity
1.04▲
2024 · 0.31
ROE
17.6%▼
2024 · 33.4%
ROA
8.6%▼
2024 · 25.5%
Interest coverage
45.81▼
2024 · 86.59
Debt
€103k▲
2024 · €25k
Debt ≤ 1 year
€30k▲
2024 · €17k
Debt > 1 year
€3k▼
2024 · €9k
Income taxes
€14k▲
2024 · €11k
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€108k€202k▲
Fixed assets21/28€20k€11k▼
Tangible fixed assets22/27€20k€11k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€15k€9k▼
Current assets29/58€88k€191k▲
Stocks and contracts in progress3-€29k
Stocks30/36-€29k
Amounts receivable within one year40/41€27k€4k▼
Trade receivables40€25k€520▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€62k€158k▲
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€108k€202k▲
Equity10/15€83k€99k▲
Contributions10/11€6k€6k=
Reserves13€76k€93k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€75k€91k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€25k€103k▲
Amounts payable after more than one year17€9k€3k▼
Financial debts170/4€9k€3k▼
Amounts payable within one year42/48€17k€30k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€3k€12k▲
Accrued charges and deferred income492/3-€70k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€48k€42k▼
Operating profit (loss)9901€38k€32k▼
Financial income75/76B€255€112▼
Recurring financial income75€255€112▼
Financial charges65/66B€544€898▲
Recurring financial charges65€544€898▲
Profit (loss) for the period before taxes9903€38k€32k▼
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€28k€17k▼
Profit (loss) for the period to be appropriated9905€28k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€17k▲
Profit (loss) brought forward from the previous period14P€-11k€0▲
Transfer from equity791/2€29k€0▼
Transfer to equity691/2€27k€16k▼
To other reserves6921€27k€16k▼
Profit to be distributed694/7€19k€968▼
Return on contributions (dividend)694€19k€968▼
The notes to these accounts (15 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €28k ▲531%
Operating result €38k, net result €28k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after 3 loss-making years.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
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Of 21,144 companies in sector 81300 we hold annual accounts for 4,317. 3,595 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2011
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.