BMO Toiture
ActiveSummary
BMO Toiture has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €647k and a net result of €236k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 5.13 against 8.14 in 2024; short-term debt: 14.7% and cash: 20.2% of total assets), and 21.5% of the assets are financed with debt.
Credit advice for your own amount and term
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
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
78.5%
Return on assets
28.6%
Age of the figures
9 mo
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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
30 d late
2022
30 d late
2021
23 d late
2020
27 d late
2019
18 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€236k▲ 23.5%
2024 · €191k
2018: €82k
2019: €72k
2020: €119k
2021: €71k
2022: €86k
2023: €182k
2024: €191k
2018 → 2025
Working capital
€502k▲ 0.7%
2024 · €498k
2018: €230k
2019: €140k
2020: €201k
2021: €233k
2022: €328k
2023: €456k
2024: €498k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€419k-€503k▲ 20.3%€605k▲ 20.2%€680k▲ 12.4%€647k▼ 4.9%
Operating result€96k-€109k▲ 13.9%€255k▲ 134%€258k▲ 1.2%€329k▲ 27.5%
Net result€71k-€86k▲ 21.0%€182k▲ 111%€191k▲ 4.7%€236k▲ 23.5%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €824k
Fixed assets
€201k ▼ 20.8%
Current assets
€623k ▲ 9.7%
Equity and liabilities €824k
Equity
€647k ▼ 4.9%
Provisions
€31k ▲ 9.6%
Debt
€146k ▲ 29.3%
Debt's share of the balance-sheet total rises from 13.7% to 17.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€424k▲
2024 · €359k
Cash flow
€331k▲
2024 · €292k
Current ratio
5.13▼
2024 · 8.14
Quick ratio
4.90▼
2024 · 7.49
Debt to equity
0.23▲
2024 · 0.17
ROE
36.4%▲
2024 · 28.1%
ROA
28.6%▲
2024 · 23.3%
Interest coverage
168.04▲
2024 · 122.93
Debt ≤ 1 year
€121k▲
2024 · €70k
Debt > 1 year
€24k▼
2024 · €43k
Income taxes
€103k▲
2024 · €82k
Staff costs
€241k▼
2024 · €247k
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 · 66 lines
Balance sheet
Code20242025
Assets
Total assets20/58€821k€824k▲
Fixed assets21/28€253k€201k▼
Tangible fixed assets22/27€252k€200k▼
Plant, machinery and equipment23€73k€69k▼
Furniture and vehicles24€153k€103k▼
Other tangible fixed assets26€25k€27k▲
Assets under construction and advance payments27€1k€0▼
Financial fixed assets28€1k€1k=
Current assets29/58€568k€623k▲
Stocks and contracts in progress3€45k€28k▼
Stocks30/36€45k€28k▼
Amounts receivable within one year40/41€130k€261k▲
Trade receivables40€86k€184k▲
Other amounts receivable41€44k€76k▲
Current investments50/53€185k€130k▼
Cash at bank and in hand54/58€177k€166k▼
Deferred charges and accrued income490/1€31k€38k▲
Equity and liabilities
Total equity and liabilities10/49€821k€824k▲
Equity10/15€680k€647k▼
Contributions10/11€22k€22k=
Reserves13€658k€625k▼
Tax-exempt reserves132€4k€0▼
Distributable reserves133€654k€625k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€28k€31k▲
Provisions for liabilities and charges160/5€27k€31k▲
Other liabilities and charges164/5€27k€31k▲
Deferred taxes168€1k€0▼
Amounts payable17/49€113k€146k▲
Amounts payable after more than one year17€43k€24k▼
Financial debts170/4€43k€24k▼
Amounts payable within one year42/48€70k€121k▲
Current portion of amounts payable after more than one year42€39k€19k▼
Trade debts44€16k€66k▲
Suppliers440/4€16k€66k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€11k€36k▲
Taxes450/3€11k€25k▲
Remuneration and social security454/9€8€11k▲
Other amounts payable47/48€4k€345▼
Accrued charges and deferred income492/3-€17
Income statement
Code20242025
Remuneration, social security and pensions62€247k€241k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€96k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Provisions for liabilities and charges: additions (uses and reversals)635/8€4k€4k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€612k€673k▲
Operating profit (loss)9901€258k€329k▲
Financial income75/76B€16k€11k▼
Recurring financial income75€16k€11k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€271k€337k▲
Transfer from deferred taxes780€3k€1k▼
Income taxes67/77€82k€103k▲
Profit (loss) for the period9904€191k€236k▲
Transfer from tax-exempt reserves789€8k€4k▼
Profit (loss) for the period to be appropriated9905€199k€239k▲
Appropriation of the result
Profit (loss) to be appropriated9906€199k€239k▲
Transfer from equity791/2€82k€235k▲
Transfer to equity691/2€165k€205k▲
To contributions691€0-
To other reserves6921€165k€205k▲
Profit to be distributed694/7€116k€269k▲
Return on contributions (dividend)694€116k€269k▲
Social balance
Average headcount (FTE)90874.35.4▲
The notes to these accounts (20 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €236k ▲23.5%
Operating result €329k, net result €236k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 5.01
Current ratio from 2.47 to 5.01; short-term debt falls from €159k to €82k.
31-12
Financial
Equity above €500kEq €503k ▲20.3%
5 profitable years in a row build equity to €503k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €71k ▼39.8%
Net result drops to €71k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Rixensart · 1 establishment unit since 2010
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.
Avenue des Combattants 1371332 RixensartGround area
1,666 m²
Building footprint
211 m²
Volume, LiDAR
625 m³
2 parcels, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BMO Toiture
since 20102.189.207.648
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0463/00X002 | Wallonia | 1,187 m² | 1 · 145 m² | - |
| 25033B1037/00A000 | Wallonia | 479 m² | 1 · 66 m² | 11.3 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesBMO Toiture SRL43410
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DE VOCHT EXPERT
BE 0642.577.983
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DETHA DOORS
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PLAGILUX
BE 0437.797.028
Antwerpen · Eq €655k
Of 4,271 companies in sector 43230 we hold annual accounts for 1,241. 658 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
Founded29-06-2010
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@bmotoiture.be
Phone:0487/428135