AT TOIT
ActiveSummary
AT TOIT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75,710 and a net result of €12,742. Equity is growing by ~41.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 36381 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability81▲+15
Solvency85▲+26
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.16 in 2023; short-term debt: 38.8% and cash: 2.1% of total assets), and 40.4% of the assets are financed with debt.
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Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
59.6%
Return on assets
10%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-10-2025, 88 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
88 d late
2023
61 d late
2022
31 d early
2021
92 d late
2020
60 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 60 days after 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 (1)
History
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Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€75,710▲ 20.2%
2023 · €62,968
Total assets
€127,036▼ 31.2%
2023 · €184,692
Net result
€12,742
2023 · -€4,037
Working capital
€44,924▲ 157%
2023 · €17,493
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€18,167▲ 691%-€281€49,398-€2,951€16,269
Net result€15,413within the sector's middle half-€1,733below the sector's middle half€40,446above the sector's middle half-€4,037below the sector's middle half€12,742within the sector's middle half
Equity€28,292within the sector's middle half▲ 120%€26,559within the sector's middle half▼ 6.1%€67,005within the sector's middle half▲ 152%€62,968within the sector's middle half▼ 6.0%€75,710within the sector's middle half▲ 20.2%
Total assets€116,339within the sector's middle half▼ 26.3%€139,218within the sector's middle half▲ 19.7%€161,428within the sector's middle half▲ 16.0%€184,692within the sector's middle half▲ 14.4%€127,036within the sector's middle half▼ 31.2%
Debt€88,047▼ 39.3%€112,659▲ 28.0%€90,910▼ 19.3%€118,923▲ 30.8%€49,237▼ 58.6%
Working capital-€693below the sector's middle half▲ 92.5%€7,507within the sector's middle half€12,567within the sector's middle half▲ 67.4%€17,493within the sector's middle half▲ 39.2%€44,924within the sector's middle half▲ 157%
Solvency24.3%within the sector's middle half▲ 16.2pp19.1%below the sector's middle half▼ 5.2pp41.5%within the sector's middle half▲ 22.4pp34.1%within the sector's middle half▼ 7.4pp59.6%within the sector's middle half▲ 25.5pp
Current ratio0.99below the sector's middle half▲ 0.061.07below the sector's middle half▲ 0.071.16within the sector's middle half▲ 0.101.16within the sector's middle half▼ 0.011.91within the sector's middle half▲ 0.76
Return on assets (ROA)13.2%within the sector's middle half▲ 14.0pp-1.2%below the sector's middle half▼ 14.5pp25.1%above the sector's middle half▲ 26.3pp-2.2%below the sector's middle half▼ 27.2pp10.0%within the sector's middle half▲ 12.2pp
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
The operating result returns to profit in 2024: €16,269 after a loss of €2,951 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €127,036
Fixed assets
€32,883 ▼ 40.5%
Current assets
€94,153 ▼ 27.2%
Equity and liabilities €127,036
Equity
€75,710 ▲ 20.2%
Provisions
€2,089 ▼ 25.4%
Debt
€49,237 ▼ 58.6%
Debt's share of the balance-sheet total falls from 64.4% to 38.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38,691▲
2023 · €21,038
Cash flow
€35,164▲
2023 · €19,952
Quick ratio
1.75▲
2023 · 1.08
Debt to equity
0.65▼
2023 · 1.89
ROE
16.8%▲
2023 · -6.4%
Interest coverage
15.40▲
2023 · 11.70
Debt ≤ 1 year
€49,229▼
2023 · €111,894
Income taxes
€1,727
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.9% |
| 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 34,696 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,205 | €18,921 | €14,449 | €23,989 | €22,422 | ▼ 6.5% |
| Other operating charges640/8 | - | €1,142 | €967 | €1,441 | €2,458 | ▲ 70.6% |
| Gross operating margin9900 | €38,499 | €19,782 | €64,814 | €22,479 | €41,149 | ▲ 83.1% |
| Operating profit (loss)9901 | €18,167 | -€281 | €49,398 | -€2,951 | €16,269 | ▲ 651% |
| Financial income75/76B | - | €121 | €345 | €0 | - | - |
| Recurring financial income75 | €5 | €121 | €345 | €0 | - | - |
| Financial charges65/66B | - | €1,574 | €5,783 | €1,798 | €2,512 | ▲ 39.7% |
| Recurring financial charges65 | €2,759 | €1,574 | €5,783 | €1,798 | €2,512 | ▲ 39.7% |
| Profit (loss) for the period before taxes9903 | €15,413 | -€1,733 | €43,959 | -€4,750 | €13,757 | ▲ 390% |
| Transfer from deferred taxes780 | - | - | €49 | €713 | €713 | = |
| Transfer to deferred taxes680 | - | - | €3,563 | - | - | - |
| Income taxes67/77 | - | - | - | - | €1,727 | - |
| Profit (loss) for the period9904 | €15,413 | -€1,733 | €40,446 | -€4,037 | €12,742 | ▲ 416% |
| Transfer from tax-exempt reserves789 | - | - | €146 | €2,138 | €2,138 | = |
| Transfer to tax-exempt reserves689 | - | - | €10,688 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €15,413 | -€1,733 | €29,905 | -€1,900 | €14,880 | ▲ 883% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €116,339 | €139,218 | €161,428 | €184,692 | €127,036 | ▼ 31.2% |
| Fixed assets21/28 | €29,767 | €19,052 | €72,544 | €55,305 | €32,883 | ▼ 40.5% |
| Tangible fixed assets22/27 | €28,306 | €17,591 | €72,409 | €55,170 | €32,748 | ▼ 40.6% |
| Land and buildings22 | - | €8,727 | €12,108 | €13,263 | €8,364 | ▼ 36.9% |
| Plant, machinery and equipment23 | - | €8,772 | €24,929 | €16,292 | €8,042 | ▼ 50.6% |
| Furniture and vehicles24 | - | €92 | €35,372 | €25,615 | €16,342 | ▼ 36.2% |
| Financial fixed assets28 | €1,461 | €1,461 | €135 | €135 | €135 | = |
| Current assets29/58 | €86,572 | €120,166 | €88,885 | €129,387 | €94,153 | ▼ 27.2% |
| Stocks and contracts in progress3 | €3,000 | €8,000 | €8,000 | €8,000 | €8,000 | = |
| Stocks30/36 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Contracts in progress37 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Amounts receivable within one year40/41 | €53,304 | €80,776 | €51,966 | €86,472 | €43,248 | ▼ 50.0% |
| Trade receivables40 | - | €78,249 | €41,183 | €84,621 | €37,281 | ▼ 55.9% |
| Other amounts receivable41 | - | €2,527 | €10,783 | €1,851 | €5,968 | ▲ 222% |
| Current investments50/53 | €24,625 | €30,747 | €28,091 | €34,091 | €40,091 | ▲ 17.6% |
| Cash at bank and in hand54/58 | €643 | €643 | €827 | €610 | €2,671 | ▲ 338% |
| Deferred charges and accrued income490/1 | - | - | - | €214 | €142 | ▼ 33.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €116,339 | €139,218 | €161,428 | €184,692 | €127,036 | ▼ 31.2% |
| Equity10/15 | €28,292 | €26,559 | €67,005 | €62,968 | €75,710 | ▲ 20.2% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €12,401 | €10,264 | €8,126 | ▼ 20.8% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | - | - | €10,541 | €8,404 | €6,266 | ▼ 25.4% |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €20,232 | €18,499 | €48,404 | €46,504 | €61,384 | ▲ 32.0% |
| Provisions and deferred taxes16 | - | - | €3,514 | €2,801 | €2,089 | ▼ 25.4% |
| Deferred taxes168 | - | - | €3,514 | €2,801 | €2,089 | ▼ 25.4% |
| Amounts payable17/49 | €88,047 | €112,659 | €90,910 | €118,923 | €49,237 | ▼ 58.6% |
| Amounts payable after more than one year17 | €782 | - | €14,592 | €7,029 | - | - |
| Financial debts170/4 | - | - | €14,592 | €7,029 | - | - |
| Amounts payable within one year42/48 | €87,265 | €112,659 | €76,318 | €111,894 | €49,229 | ▼ 56.0% |
| Current portion of amounts payable after more than one year42 | - | €138 | €7,454 | €7,563 | €7,029 | ▼ 7.1% |
| Financial debts43 | - | €37,783 | - | €24,365 | - | - |
| Credit institutions430/8 | - | €37,783 | - | €24,365 | - | - |
| Trade debts44 | €19,032 | €45,373 | €59,227 | €70,329 | €16,088 | ▼ 77.1% |
| Suppliers440/4 | - | €45,373 | €59,227 | €70,329 | €16,088 | ▼ 77.1% |
| Other amounts payable47/48 | - | €29,364 | €9,637 | €9,637 | €26,111 | ▲ 171% |
| Accrued charges and deferred income492/3 | - | - | - | - | €8 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,413 | -€1,733 | €40,446 | -€4,037 | €12,742 | ▲ 416% |
| + Depreciation and write-downs630 | €18,205 | €18,921 | €14,449 | €23,989 | €22,422 | ▼ 6.5% |
| Operating cash flow (approximation) | €33,618 | €17,188 | €54,895 | €19,952 | €35,164 | ▲ 76.2% |
| Investment in fixed assets (approximation) | - | -€8,207 | -€67,940 | -€6,750 | €0 | ▲ 100% |
| Change in cash | - | €0 | €184 | -€218 | €2,061 | ▲ 1,047% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 88 days late
2024
31-12
Financial
Back to profitnet €12,742
Net result €12,742 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet -€4,037
Net result drops to -€4,037, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €40,446
Net result €40,446 after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Back to profitnet €15,413
Net result €15,413 after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
06-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 159 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
Directors
6 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, Lessines · 1 establishment unit since 2010
Ground area
1,174 m²
Building footprint
252 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
At Toit
since 20102.185.692.783
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55023C0259/00V009 | Wallonia | 733 m² | 1 · 169 m² | - |
| 57049B0370/00V000 | Wallonia | 441 m² | 1 · 83 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,576 companies in sector 43410 we hold annual accounts for 4,368. 3,801 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-01-2010
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0822178334
Also
9925:BE0822178334
Registered
02-09-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.