Financials
- Financial year
- 2025
- Total assets
- €358,201
- Profit
- €42,849
- Solvency
- 2.3%
Total assets▼ 29.0%
Net result
20212025
BFR Toiture
ActiveSummary
The computed 12-month bankruptcy probability of BFR Toiture is 2.4% (moderate). The 2025 annual accounts show equity of €8,173 and a net result of €42,849. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 9,816 sector peers (NACE 43, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insulation installation
NACE 43230Roofing work NACE 43410
2 sites
Size
≈ €1.7mturnover 2025, estimated
- Staff
- 10.6 FTE
- Equity
- €8,173
- Profit
- €42,849
Turnover estimated from the gross margin
Structure
2025 accounts 2 days early1 of 2 deeds summarised
Why 52raises riskLiquidity: current ratio 0.99, cash €0, halvedFounded in 2021Sector: Specialised construction activities (NACE 43)lowers riskSize: total assets €358,201Show the evidence
Checked score
Score 2025
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 34% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Weak
Solvency
27+9
equity 2.3% of total assets
Liquidity
0=
short-term debt 95.0% · cash 0.0%
Profitability
69+13
return on assets 12.0%
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 4.4%highest value
12-2024: 4.3%▼ -0.1 percentage points vs 11-2024
01-2025: 2.4%▼ -1.9 percentage points vs 12-2024
02-2025: 2.4%● unchanged vs 01-2025
03-2025: 2.3%▼ -0.1 percentage points vs 02-2025lowest value
04-2025: 2.4%▲ +0.1 percentage points vs 03-2025
05-2025: 2.4%● unchanged vs 04-2025
06-2025: 2.4%● unchanged vs 05-2025
07-2025: 2.6%▲ +0.2 percentage points vs 06-2025
08-2025: 3.4%▲ +0.8 percentage points vs 07-2025
09-2025: 2.7%▼ -0.7 percentage points vs 08-2025
10-2025: 2.7%● unchanged vs 09-2025
11-2025: 2.7%● unchanged vs 10-2025
12-2025: 2.7%● unchanged vs 11-2025
01-2026: 2.7%● unchanged vs 12-2025
02-2026: 2.7%● unchanged vs 01-2026
03-2026: 2.6%▼ -0.1 percentage points vs 02-2026
04-2026: 2.7%▲ +0.1 percentage points vs 03-2026
05-2026: 2.6%▼ -0.1 percentage points vs 04-2026
06-2026: 2.6%● unchanged vs 05-2026
07-2026: 2.6%● unchanged vs 06-2026
08-2026: 2.4%▼ -0.2 percentage points vs 07-2026
09-2026: 2.4%● unchanged vs 08-2026
10-2026: 2.4%● unchanged vs 09-2026
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 9% on solvency, 1% on liquidity, 35% on profitability and 93% on growth.
The bankruptcy probability was computed on 27-10-2026 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
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 9816 sector peers (2025).
NBB · sector comparisonPosition among 9816 sector peers
Solvency
better than 9%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 days early
2024
28 days late
2023
30 days late
2022
129 days early
2021
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 15 days before 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 29 July (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Highest result from 2021 to 2025net €42,849 ▲48.3%
- Annual accounts filedfinancial year 2024 · full…
Key points
By topic
Timeline
- Events
- 10
- Since
- 2022
- Next accounts
- by 31-07-2027
- 31-12-2024Back to profit
- 30-08-2024Annual accounts filed
- 31-12-2023Weakest financial year
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Insulation installationNACE 43230
- Founded
- 05-03-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Key facts about BFR Toiture
- What is the company number of BFR Toiture?
- 0764.718.997. In Belgium the VAT number is the company number with BE in front: BE 0764.718.997.
- Where is BFR Toiture based?
- The registered office is at Chaussée d'Audenarde(TOU) 3/3, 7500 Tournai.Company details
- What does BFR Toiture do?
- According to the KBO register, the main activity is insulation installation (NACE 43230).
- What is the legal form of BFR Toiture?
- Private limited company (BV).
- When was BFR Toiture founded?
- On 05-03-2021.
- Is BFR Toiture still active?
- Yes, BFR Toiture is an active enterprise in the KBO register.
- How many employees does BFR Toiture have?
- On average 10.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of BFR Toiture?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is BFR Toiture profitable?
- In financial year 2025, BFR Toiture made a profit of €42,849.
- Where can I find the annual accounts of BFR Toiture?
- BFR Toiture filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BFR Toiture due?
- By 31-07-2027, for financial year 2026.Timeline
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