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ADB TOITURES

Active
Private limited companyfounded 20233 yrs activeRue des Grands Sarts(VIE) 50, 6230 Pont-à-Celles, BelgiumKBO/BCE: BE 0797.634.760
Summary

The computed 12-month bankruptcy probability of ADB TOITURES is 2.7% (moderate). The 2025 annual accounts show equity of €69,736 and a net result of €50,685. Its solvency ranks better than 23% of 28374 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability88▼-1
Solvency46▲+10
Growth52
Track record94
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.18 against 0.79 in 2024; short-term debt: 29% and cash: 22.5% of total assets), and 78.9% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
21.1%
Return on assets
15.3%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 28374 sector peers (2025).
NBB · sector comparison
Position among 28374 sector peers
Solvency
better than 23%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
47 d early
2024
13 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 30 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

ADB TOITURES was incorporated on 26 January 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€69,736▲ 78.6%
2024 · €39,051
Total assets
€330,397▼ 6.7%
2024 · €354,053
Net result
€50,685▼ 9.6%
2024 · €56,051
Working capital
€16,806
2024 · -€25,859
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€82,414-€73,961▼ 10.3%
Net result€56,051above the sector's middle half-€50,685above the sector's middle half▼ 9.6%
Equity€39,051within the sector's middle half-€69,736within the sector's middle half▲ 78.6%
Total assets€354,053above the sector's middle half-€330,397above the sector's middle half▼ 6.7%
Debt€315,002-€260,661▼ 17.3%
Working capital-€25,859below the sector's middle half-€16,806within the sector's middle half
Solvency11.0%below the sector's middle half-21.1%below the sector's middle half▲ 10.1pp
Current ratio0.79below the sector's middle half-1.18within the sector's middle half▲ 0.38
Return on assets (ROA)15.8%within the sector's middle half-15.3%within the sector's middle half▼ 0.5pp
Staff (FTE)3.1-4.9▲ 58.1%
above within below the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25,000€50,000€75,000Operating result 2024: €82,414€82,414Net result 2024: €56,051€56,051Operating result 2025: €73,961€73,961Net result 2025: €50,685€50,68520242025€0€25,000€50,000€75,000Operating result 2024: €82,414€82,400Net result 2024: €56,051€56,100Operating result 2025: €73,961€74,000Net result 2025: €50,685€50,70020242025
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €330,397
Fixed assets €217,813 ▼ 15.0%
Current assets €112,584 ▲ 15.3%
Equity and liabilities €330,397
Equity €69,736 ▲ 78.6%
Debt €260,661 ▼ 17.3%
Debt's share of the balance-sheet total falls from 89.0% to 78.9%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€111,298▼
2024 · €128,962
Cash flow
€88,022▼
2024 · €102,598
Debt to equity
3.74▼
2024 · 8.07
ROE
72.7%▼
2024 · 143.5%
Interest coverage
12.26▼
2024 · 15.03
Debt ≤ 1 year
€95,778▼
2024 · €123,526
Debt > 1 year
€164,883▼
2024 · €191,476
Income taxes
€16,162▲
2024 · €15,353
Staff costs
€292,410▲
2024 · €222,864
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet Code20242025
Assets
Total assets20/58€354,053€330,397▼
Fixed assets21/28€256,386€217,813▼
Tangible fixed assets22/27€256,219€217,646▼
Land and buildings22€121,332€115,707▼
Plant, machinery and equipment23€10,406€13,663▲
Furniture and vehicles24€40,733€23,764▼
Leasing and similar rights25€83,748€64,511▼
Financial fixed assets28€167€167=
Current assets29/58€97,667€112,584▲
Amounts receivable within one year40/41€65,819€29,142▼
Trade receivables40€53,955€12,570▼
Other amounts receivable41€11,864€16,571▲
Cash at bank and in hand54/58€25,125€74,262▲
Deferred charges and accrued income490/1€6,723€9,181▲
Equity and liabilities
Total equity and liabilities10/49€354,053€330,397▼
Equity10/15€39,051€69,736▲
Contributions10/11€3,000€3,000=
Reserves13€36,051€66,736▲
Distributable reserves133€36,051€66,736▲
Amounts payable17/49€315,002€260,661▼
Amounts payable after more than one year17€191,476€164,883▼
Financial debts170/4€191,476€164,883▼
Amounts payable within one year42/48€123,526€95,778▼
Current portion of amounts payable after more than one year42€25,746€29,926▲
Trade debts44€52,332€24,332▼
Suppliers440/4€52,332€24,332▼
Taxes, remuneration and social security45€31,340€33,078▲
Taxes450/3€22,799€16,068▼
Remuneration and social security454/9€8,541€17,010▲
Other amounts payable47/48€14,108€8,442▼
Income statement Code20242025
Goods, raw materials, services and sundry goods60/61-€425,943
Remuneration, social security and pensions62€222,864€292,410▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46,547€37,337▼
Other operating charges640/8€6,984€2,688▼
Non-recurring operating charges66A€215€5,201▲
Gross operating margin9900€359,024€411,597▲
Operating profit (loss)9901€82,414€73,961▼
Financial income75/76B€1,746€1,961▲
Recurring financial income75€1,746€1,961▲
Financial charges65/66B€12,756€9,076▼
Recurring financial charges65€8,579€9,076▲
Non-recurring financial charges66B€4,177-
Profit (loss) for the period before taxes9903€71,404€66,846▼
Income taxes67/77€15,353€16,162▲
Profit (loss) for the period9904€56,051€50,685▼
Profit (loss) for the period to be appropriated9905€56,051€50,685▼
Appropriation of the result
Profit (loss) to be appropriated9906€56,051€50,685▼
Transfer to equity691/2€36,051€30,685▼
To other reserves6921€36,051€30,685▼
Profit to be distributed694/7€20,000€20,000=
Return on contributions (dividend)694€20,000€20,000=

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Goods, raw materials, services and sundry goods60/61-€425,943-
Remuneration, social security and pensions62€222,864€292,410▲ 31.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46,547€37,337▼ 19.8%
Other operating charges640/8€6,984€2,688▼ 61.5%
Non-recurring operating charges66A€215€5,201▲ 2,321%
Gross operating margin9900€359,024€411,597▲ 14.6%
Operating profit (loss)9901€82,414€73,961▼ 10.3%
Financial income75/76B€1,746€1,961▲ 12.3%
Recurring financial income75€1,746€1,961▲ 12.3%
Financial charges65/66B€12,756€9,076▼ 28.8%
Recurring financial charges65€8,579€9,076▲ 5.8%
Non-recurring financial charges66B€4,177--
Profit (loss) for the period before taxes9903€71,404€66,846▼ 6.4%
Income taxes67/77€15,353€16,162▲ 5.3%
Profit (loss) for the period9904€56,051€50,685▼ 9.6%
Profit (loss) for the period to be appropriated9905€56,051€50,685▼ 9.6%
Line20242025Change
Assets
Total assets20/58€354,053€330,397▼ 6.7%
Fixed assets21/28€256,386€217,813▼ 15.0%
Tangible fixed assets22/27€256,219€217,646▼ 15.1%
Land and buildings22€121,332€115,707▼ 4.6%
Plant, machinery and equipment23€10,406€13,663▲ 31.3%
Furniture and vehicles24€40,733€23,764▼ 41.7%
Leasing and similar rights25€83,748€64,511▼ 23.0%
Financial fixed assets28€167€167=
Current assets29/58€97,667€112,584▲ 15.3%
Amounts receivable within one year40/41€65,819€29,142▼ 55.7%
Trade receivables40€53,955€12,570▼ 76.7%
Other amounts receivable41€11,864€16,571▲ 39.7%
Cash at bank and in hand54/58€25,125€74,262▲ 196%
Deferred charges and accrued income490/1€6,723€9,181▲ 36.6%
Equity and liabilities
Total equity and liabilities10/49€354,053€330,397▼ 6.7%
Equity10/15€39,051€69,736▲ 78.6%
Contributions10/11€3,000€3,000=
Reserves13€36,051€66,736▲ 85.1%
Distributable reserves133€36,051€66,736▲ 85.1%
Amounts payable17/49€315,002€260,661▼ 17.3%
Amounts payable after more than one year17€191,476€164,883▼ 13.9%
Financial debts170/4€191,476€164,883▼ 13.9%
Amounts payable within one year42/48€123,526€95,778▼ 22.5%
Current portion of amounts payable after more than one year42€25,746€29,926▲ 16.2%
Trade debts44€52,332€24,332▼ 53.5%
Suppliers440/4€52,332€24,332▼ 53.5%
Taxes, remuneration and social security45€31,340€33,078▲ 5.5%
Taxes450/3€22,799€16,068▼ 29.5%
Remuneration and social security454/9€8,541€17,010▲ 99.2%
Other amounts payable47/48€14,108€8,442▼ 40.2%
Line20242025Change
Profit (loss) for the period9904€56,051€50,685▼ 9.6%
+ Depreciation and write-downs630€46,547€37,337▼ 19.8%
Operating cash flow (approximation)€102,598€88,022▼ 14.2%
Investment in fixed assets (approximation)-€1,237-
Change in cash-€49,137-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2025
15-12
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
18-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Pont-à-Celles · 1 establishment unit since 2023
seat establishment approximate The establishment unit on the map
Ground area
647 m²
Building footprint
67 m²
Volume, LiDAR
452 m³
Parcel 52067B0354/00G002, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ADB TOITURES
Rue des Grands Sarts(VIE) 50, 6230 Pont-à-CellesSite preparation
since 20232.340.818.648
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52067B0354/00G002 Wallonia 647 m² 1 · 67 m² 8.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 8,568 companies in this sector we hold annual accounts for 4,372. 3,790 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded26-01-2023
Fiscal year end30-06
Activities, NACEBEL 2025
43410Roofing work
16230Manufacture of other builders' carpentry and joinery
43320Joinery installation
43421Specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0797634760
Registered 19-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.