BNE TOITURES

Active

Private limited companyfounded 20206 yrs activeRue des Andrieux 83, 7370 Dour, BelgiumKBO/BCE: BE 0743.857.960

The computed 12-month bankruptcy probability of BNE TOITURES is 2.6% (moderate). The 2024 annual accounts show equity of €32k and a net result of €24k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 36373 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

65 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency65▲+1

Growth78=

Track record100

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 1.59 against 1.49 in 2023; short-term debt: 60.1% and cash: 26.4% of total assets), but 60.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

39.9%

Return on assets

30.3%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 5 filings

Deviation from the deadline

2025

not confirmed

2024

29 d late

2023

57 d late

2022

169 d late

2021

270 d late

2020

69 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€32k▲ 66.6%

2023 · €19k

2020: €15k 2021: €15k 2022: €8k 2023: €19k

2020 → 2024

Total assets

€81k▲ 63.1%

2023 · €49k

2020: €64k 2021: €64k 2022: €66k 2023: €49k

2020 → 2024

Net result

€24k▲ 32.8%

2023 · €18k

2020: €15k 2021: €-234 2022: €-7k 2023: €18k

2020 → 2024

Working capital

€28k▲ 91.4%

2023 · €15k

2020: €32k 2021: €14k 2022: €8k 2023: €15k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€15k-€15k▼ 1.6%€8k▼ 46.7%€19k▲ 148%€32k▲ 66.6%

Operating result€19k-€112▼ 99.4%€-5k€31k€47k▲ 55.0%

Net result€15k-€-234€-7k▼ 2,807%€18k€24k▲ 32.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 55% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €81k

95.4%

Fixed assets €4k▼ 16.8%

Current assets €77k▲ 70.9%

Equity and liabilities €81k

39.9%

60.1%

Equity €32k▲ 66.6%

Debt €48k▲ 60.8%

The debt ratio falls from 60.9% to 60.1%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€48k▲

2023 · €31k

Cash flow

€25k▲

2023 · €19k

Solvency

39.9%▲

2023 · 39.1%

Current ratio

1.59▲

2023 · 1.49

Quick ratio

1.59▲

2023 · 1.49

Debt / equity

1.50▼

2023 · 1.56

ROE

76.0%▼

2023 · 95.3%

ROA

30.3%▼

2023 · 37.3%

Interest coverage

112.14=

2023 · 112.13

Debt

€48k▲

2023 · €30k

Debt ≤ 1 year

€48k▲

2023 · €30k

Income taxes

€23k▲

2023 · €12k

Staff costs

€48k▼

2023 · €71k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€49k€81k▲

Fixed assets21/28€4k€4k▼

Tangible fixed assets22/27€3k€2k▼

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€963€623▼

Financial fixed assets28€2k€2k=

Current assets29/58€45k€77k▲

Amounts receivable within one year40/41€40k€56k▲

Trade receivables40€27k€52k▲

Other amounts receivable41€13k€3k▼

Cash at bank and in hand54/58€5k€21k▲

Equity and liabilities

Total equity and liabilities10/49€49k€81k▲

Equity10/15€19k€32k▲

Contributions10/11€1€1=

Reserves13€14k€32k▲

Distributable reserves133€14k€32k▲

Profit (loss) carried forward14€5k€151▼

Amounts payable17/49€30k€48k▲

Amounts payable within one year42/48€30k€48k▲

Trade debts44€12k€22k▲

Suppliers440/4€12k€22k▲

Taxes, remuneration and social security45€18k€26k▲

Taxes450/3€16k€26k▲

Remuneration and social security454/9€2k-

Other amounts payable47/48€44€33▼

Income statement Code20232024

Remuneration, social security and pensions62€71k€48k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€157€741▲

Other operating charges640/8€2k€3k▲

Gross operating margin9900€104k€99k▼

Operating profit (loss)9901€31k€47k▲

Financial charges65/66B€274€429▲

Recurring financial charges65€274€429▲

Profit (loss) for the period before taxes9903€30k€47k▲

Income taxes67/77€12k€23k▲

Profit (loss) for the period9904€18k€24k▲

Profit (loss) for the period to be appropriated9905€18k€24k▲

Appropriation of the result

Profit (loss) to be appropriated9906€12k€30k▲

Profit (loss) brought forward from the previous period14P€-6k€5k▲

Transfer to equity691/2-€18k

To other reserves6921-€18k

Profit to be distributed694/7€7k€12k▲

Return on contributions (dividend)694€7k€12k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

31-12

Financial Highest result since 2020net €24k ▲32.8%

Operating result €47k, net result €24k, both a record.

26-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 57 days late

16-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 169 days late

2023

31-12

Financial Back to profitnet €18k

Net result €18k after 2 loss-making years.

27-04

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 270 days late

2022

31-12

Financial Weakest financial yearnet €-7k

Net result drops to €-7k, the lowest in the series; recovery starts the following year.

2021

08-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 69 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Dour · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Rue des Andrieux 837370 Dour

Ground area

875 m²

Building footprint

268 m²

Volume, LiDAR

1,733 m³

2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

BNE TOITURES

Avenue du Saint Homme(TH) 40, 7350 HensiesSite preparation

since 20202.299.703.516

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53021B0363/00L000	Wallonia	474 m²	1 · 195 m²	8.0 m · 2 fl.
53076C1043/00H002	Wallonia	401 m²	1 · 73 m²	7.9 m · 2 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

Dakwerken Thomas

BE 0777.973.058

Destelbergen · Eq €32k

GK Menuiserie et Toiture

Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 3,444 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-02-2020

Fiscal year end31-12

Activities, NACEBEL

43410Roofing work

43120Site preparation

43230Insulation installation

43291Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.