Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
T.M. BOUW from Diest, company number BE0455632061, closed financial year 2025 with a result of € -46,157 after tax. For that financial year T.M. BOUW recorded a gross margin of € 7,811 and equity of € 26,093. Compared with financial year 2024, the result moved from € -65,725 to € -46,157. The company made a loss. The buffer shrank hard: equity is 64 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 26,093
▼ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -46,157
▲ 30 % less loss than in 2024
Profit after tax over the fiscal year.
€ 6,877
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -35,880.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 49,607
▲ 52% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 28,105
▼ 10% vs 2024
Loans from banks and other lenders, long and short.
€ 82,721
▲ 71% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,361
▲ 23% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 107,781 | € 110,653 | € -29,341 | € 7,811 | ▲ € 37,152 |
| Profit after taxes | € 31,641 | € 29,650 | € -65,725 | € -46,157 | ▲ € 19,568 |
| Equity | € 108,325 | € 137,975 | € 72,250 | € 26,093 | ▼ 64% |
| Total debts | € 195,175 | € 120,487 | € 155,603 | € 208,766 | ▲ 34% |
| Cash | - | € 6,935 | € 6,877 | € 6,877 | |
| Retained profit | € 46,352 | € 76,002 | € 10,277 | € -35,880 | ▼ € 46,157 |
| Bank debt | € 23,506 | € 18,400 | € 31,117 | € 28,105 | ▼ 10% |
| Balance sheet total | € 303,500 | € 258,462 | € 227,853 | € 234,859 | ▲ 3% |
Key figures of T.M. BOUW, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to T.M. BOUW?
What happened at T.M. BOUW in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 46,157. filed late Source: NBB ↗
- New establishment in Diest. KBO
- Start of the company according to the CBE. KBO
In short
From € 31,641 profit in 2022 to € 46,157 loss in 2025.
Paid € 2,797 in corporate taxes since 2022.
Best year ever: 2022, with € 31,641 profit.
Management
Behind T.M. BOUW are SCHURMANS BV and Gunther Schurmans. Gunther Schurmans is also behind SCHURMANS and GNG Invest.
Directors
According to the 2025 annual accounts
Director · represented by Gunther Schurmans
Establishments
Establishment units
Physical locations of this company
Schaffensestraat 26
3290 Diest
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0455.632.061
- VAT number
- BE 0455.632.061
- Registered office
- Schaffensestraat 26, 3290 Diest
- Names & denominations
- T.M. BOUW
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 7 July 1995
- Peppol
- Active · Active since 29 Aug 2025
- Activities · NACE
Algemene bouw van residentiële gebouwen
Bouwen van individuele huizen
Schrijnwerk
Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)
Schrijnwerk van hout of van kunststof
Detailhandel in ijzerwaren, verf, bouwmaterialen (inclusief doe-het-zelfzaken) met een verkoopsoppervlakte van minder dan 400 m2