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BAY Toitures

Active
Private limited companyfounded 2007active for 19 yearsRue du Vicinal 70, 4682 Oupeye, BelgiumKBO/BCE: BE 0893.030.005
Summary

BAY Toitures has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €358,720 and a net result of €152,578. Equity is growing by about 4% per year across the filed financial years. Its solvency ranks better than 81% of 2,434 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
BAY ToituresActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Plumbing work
NACE 43221Roofing work NACE 43410
1 site
Size
€513,321total assets 2025
Equity
€358,720
Profit
€152,578
Financial health
96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
2025 accounts 18 days early2 of 3 deeds summarised
Why 96raises riskSector: Specialised construction activities (NACE 43)lowers riskFounded in 2007Equity €358,720 (69.9% of total assets)Figures for financial year 2025 (filed 13-07-2026)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 78% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 95+14
equity 69.9% of total assets
Liquidity 62+23
short-term debt 14.5% · cash 11.6%
Profitability 100+23
return on assets 29.7%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,621 companies, NACE 43, micro)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● unchanged vs 11-2024 01-2025: 0.7%● unchanged vs 12-2024 02-2025: 0.8%▲ +0.1 percentage points vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.7%▼ -0.1 percentage points vs 05-2025 07-2025: 0.9%▲ +0.2 percentage points vs 06-2025 08-2025: 1.2%▲ +0.3 percentage points vs 07-2025highest value 09-2025: 0.4%▼ -0.8 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.5%▲ +0.1 percentage points vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.4%▼ -0.1 percentage points vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.1%▼ -0.4 percentage points vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity ample (current ratio 5.77, compared with 1.93 in 2024, above the usual 1.5; short-term debt: 14.5% and cash: 11.6% of total assets), and 30.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 76% on solvency, 60% on liquidity, 92% on profitability and 83% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 2007
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Equity €358,720 (69.9% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 13-07-2026)
NBB · annual accounts
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
18 days early
2024
29 days late
2023
18 days late
2022
32 days late
2021
39 days early
2020
31 days late
2019
152 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 29 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 August (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven months
Where today falls in the filing period
25-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Highest result from 2018 to 2025net €152,578 ▲452%
  3. Liquidity more than doubledcurrent ratio 5.77

Key points

  • Positive: Result rose in 2025from €27,664 to €152,578 ▲ 452% View
  • Positive: 8 profitable years in a rowprofit 2025: €152,578 8 years View
  • Positive: Among the best 20% on solvencysector median 42.5% · 2,434 companies 69.9% View

By topic

Financials

Financial year
2025
Total assets
€513,321
Profit
€152,578
Solvency
69.9%
Total assets▲ 22.7%
Net result
20182025
Go to Financials

Timeline

Events
24
Since
2009
Next accounts
by 31-07-2027
  1. 13-11-2025Appointment: BAY Grégory (director)
  2. 29-08-2025Annual accounts filed
  3. 18-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Plumbing workNACE 43221
Founded
24-10-2007
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
26
Annual meeting
Third Friday of June
Purpose
“L'entreprise d'étanchéité des constructions,de zinguerie et de couvertures métalliques de…” (deed in French)
Go to Articles of association

Key facts about BAY Toitures

What is the company number of BAY Toitures?
0893.030.005. In Belgium the VAT number is the company number with BE in front: BE 0893.030.005.
Where is BAY Toitures based?
The registered office is at Rue du Vicinal 70, 4682 Oupeye.Company details
What does BAY Toitures do?
According to the KBO register, the main activity is plumbing work (NACE 43221).
What is the legal form of BAY Toitures?
Private limited company (BV).
When was BAY Toitures founded?
On 24-10-2007.
Is BAY Toitures still active?
Yes, BAY Toitures is an active enterprise in the KBO register.
How many employees does BAY Toitures have?
On average 4.6 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of BAY Toitures?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is BAY Toitures profitable?
In financial year 2025, BAY Toitures made a profit of €152,578.
Where can I find the annual accounts of BAY Toitures?
BAY Toitures filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BAY Toitures due?
By 31-07-2027, for financial year 2026.Timeline

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