BDH TOITURE
ActiveSummary
The computed 12-month bankruptcy probability of BDH TOITURE is 1.9% (moderate). The 2025 annual accounts show equity of €39k and a net result of €25k. Equity is growing by ~111.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 3.83 in 2024; short-term debt: 18.5% and cash: 0% of total assets), and 18.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 dateAge against the risk zone
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
81.5%
Return on assets
51.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
3 d early
2023
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 175%
2024 · €14k
2023: €7k
2024: €14k
2023 → 2025
Total assets
€48k▲ 150%
2024 · €19k
2023: €20k
2024: €19k
2023 → 2025
Net result
€25k▲ 266%
2024 · €7k
2023: €-22k
2024: €7k
2023 → 2025
Working capital
€24k▲ 70.0%
2024 · €14k
2023: €7k
2024: €14k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€7k-€14k▲ 91.9%€39k▲ 175%
Operating result€-22k-€7k€29k▲ 319%
Net result€-22k-€7k€25k▲ 266%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 319% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€15k
Current assets
€33k
Equity and liabilities €48k
Equity
€39k ▲ 175%
Debt
€9k ▲ 76.6%
Debt's share of the balance-sheet total falls from 26.1% to 18.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €8k
Cash flow
€30k▲
2024 · €7k
Current ratio
3.72▼
2024 · 3.83
Debt to equity
0.23▼
2024 · 0.35
ROE
63.7%▲
2024 · 47.9%
ROA
51.9%▲
2024 · 35.4%
Interest coverage
96.02▲
2024 · 37.15
Debt ≤ 1 year
€9k▲
2024 · €5k
Income taxes
€4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€19k€48k▲
Fixed assets21/28-€15k
Tangible fixed assets22/27-€15k
Furniture and vehicles24-€15k
Current assets29/58€19k€33k▲
Amounts receivable within one year40/41€18k€33k▲
Trade receivables40€18k€18k▲
Other amounts receivable41€22€15k▲
Cash at bank and in hand54/58€2k€5▼
Equity and liabilities
Total equity and liabilities10/49€19k€48k▲
Equity10/15€14k€39k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€13k€38k▲
Amounts payable17/49€5k€9k▲
Amounts payable within one year42/48€5k€9k▲
Trade debts44€46€5k▲
Suppliers440/4€46€5k▲
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Other amounts payable47/48€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€613€5k▲
Other operating charges640/8-€116
Gross operating margin9900€8k€34k▲
Operating profit (loss)9901€7k€29k▲
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€204€357▲
Recurring financial charges65€204€357▲
Profit (loss) for the period before taxes9903€7k€29k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€7k€25k▲
Profit (loss) for the period to be appropriated9905€7k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€38k▲
Profit (loss) brought forward from the previous period14P€6k€13k▲
The notes to these accounts (5 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €25k ▲266%
Operating result €29k, net result €25k, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 3.83
Current ratio from 1.54 to 3.83; short-term debt falls from €12k to €5k.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Overijse · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brusselsesteenweg 2923090 OverijseGround area
2,124 m²
Building footprint
308 m²
Volume, LiDAR
1,895 m³
2 parcels, Brussels, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BDH TOITURE
since 20202.310.311.455
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0376/02D005 | Flanders | 1,934 m² | 1 · 198 m² | 6.6 m · 1 fl. |
| 21463D0274/00N025 | Brussels | 190 m² | 1 · 110 m² | 14.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
INNO TOITURE
BE 0747.693.321
La Hulpe · Eq €38,828
TOITURE TOURNAISIENNE
BE 0750.943.217
Tournai · Eq €38,864
MVL CONSTRUCT
BE 0836.155.935
Colfontaine · Eq €38,903
Toitures HAYEZ Joffrey
BE 0824.115.265
Hotton · Eq €38,907
ROUSSEAU TOITURES
BE 0740.657.752
Ronse · Eq €38,764
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,557 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2020
Fiscal year end30-09
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.