C.A. Toitures
ActiveSummary
The computed 12-month bankruptcy probability of C.A. Toitures is 2.7% (moderate). The 2025 annual accounts show equity of €86k and a net result of €115k. Equity is growing by ~61% per year across the filed fiscal years. Its solvency ranks better than 19% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+8
Solvency41▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.9 against 1.22 in 2024; short-term debt: 56.3% and cash: 29.8% of total assets), and 83.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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
16.3%
Return on assets
21.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 19%
← 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 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
25 d late
2023
23 d late
2022
31 d late
2021
24 d late
2020
29 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 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, micro schema
Equity
€86k▼ 48.6%
2024 · €167k
2020: €24k
2021: €40k
2022: €85k
2023: €143k
2024: €167k
2020 → 2025
Total assets
€526k▲ 5.6%
2024 · €498k
2020: €133k
2021: €443k
2022: €500k
2023: €573k
2024: €498k
2020 → 2025
Net result
€115k▲ 51.5%
2024 · €76k
2020: €4k
2021: €16k
2022: €46k
2023: €59k
2024: €76k
2020 → 2025
Working capital
€-31k
2024 · €36k
2020: €-19k
2021: €-59k
2022: €-44k
2023: €15k
2024: €36k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€85k▲ 113%€143k▲ 68.2%€167k▲ 16.7%€86k▼ 48.6%
Operating result€17k-€66k▲ 289%€87k▲ 31.4%€110k▲ 26.8%€153k▲ 38.8%
Net result€16k-€46k▲ 195%€59k▲ 28.2%€76k▲ 28.9%€115k▲ 51.5%
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 four years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €526k
Fixed assets
€261k ▼ 12.3%
Current assets
€265k ▲ 32.3%
Equity and liabilities €526k
Equity
€86k ▼ 48.6%
Debt
€440k ▲ 32.9%
Debt's share of the balance-sheet total rises from 66.5% to 83.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€198k▲
2024 · €163k
Cash flow
€159k▲
2024 · €128k
Current ratio
0.90▼
2024 · 1.22
Quick ratio
0.84▼
2024 · 0.99
Debt to equity
5.14▲
2024 · 1.99
ROE
133.8%▲
2024 · 45.4%
ROA
21.8%▲
2024 · 15.2%
Interest coverage
29.11▲
2024 · 9.29
Debt ≤ 1 year
€296k▲
2024 · €164k
Debt > 1 year
€144k▼
2024 · €167k
Income taxes
€38k▲
2024 · €21k
Staff costs
€308k▲
2024 · €190k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€498k€526k▲
Fixed assets21/28€298k€261k▼
Tangible fixed assets22/27€298k€261k▼
Land and buildings22€217k€210k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€2k€2k▼
Leasing and similar rights25€69k€42k▼
Financial fixed assets28€0-
Current assets29/58€200k€265k▲
Stocks and contracts in progress3€37k€15k▼
Stocks30/36€37k€15k▼
Amounts receivable within one year40/41€57k€82k▲
Trade receivables40€24k€75k▲
Other amounts receivable41€33k€6k▼
Cash at bank and in hand54/58€104k€157k▲
Deferred charges and accrued income490/1€2k€12k▲
Equity and liabilities
Total equity and liabilities10/49€498k€526k▲
Equity10/15€167k€86k▼
Contributions10/11€20k€20k=
Reserves13€138k€58k▼
Distributable reserves133€138k€58k▼
Profit (loss) carried forward14€659€0▼
Investment grants15€8k€8k▼
Amounts payable17/49€331k€440k▲
Amounts payable after more than one year17€167k€144k▼
Financial debts170/4€167k€144k▼
Amounts payable within one year42/48€164k€296k▲
Current portion of amounts payable after more than one year42€37k€22k▼
Trade debts44€26k€38k▲
Suppliers440/4€26k€38k▲
Taxes, remuneration and social security45€22k€38k▲
Taxes450/3€4k€11k▲
Remuneration and social security454/9€18k€28k▲
Other amounts payable47/48€80k€198k▲
Accrued charges and deferred income492/3€13€13=
Income statement
Code20242025
Non-recurring operating income76A€863€297▼
Remuneration, social security and pensions62€190k€308k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€44k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€359k€510k▲
Operating profit (loss)9901€110k€153k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€18k€7k▼
Recurring financial charges65€18k€7k▼
Profit (loss) for the period before taxes9903€96k€152k▲
Income taxes67/77€21k€38k▲
Profit (loss) for the period9904€76k€115k▲
Profit (loss) for the period to be appropriated9905€76k€115k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€115k▲
Profit (loss) brought forward from the previous period14P-€659
Transfer from equity791/2-€80k
Transfer to equity691/2€15k€0▼
To other reserves6921€15k€0▼
Profit to be distributed694/7€60k€195k▲
Return on contributions (dividend)694€60k€195k▲
The notes to these accounts (16 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €115k ▲51.5%
Operating result €153k, net result €115k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Equity above €150kEq €167k ▲16.7%
5 profitable years in a row build equity to €167k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Equity above €100kEq €143k ▲68.2%
4 profitable years in a row build equity to €143k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Dison · 2 establishment units 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.
Rue Albert Thomas 714821 DisonGround area
621 m²
Building footprint
177 m²
Volume, LiDAR
1,628 m³
2 parcels, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
C.A. Toitures
since 20202.297.471.724
C.A. Toitures
since 20242.362.228.231
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63002A0592/00P003 | Wallonia | 467 m² | 1 · 109 m² | 8.6 m · 2 fl. |
| 63002B0288/00X006 | Wallonia | 154 m² | 1 · 67 m² | 14.6 m · 4 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
TOITURE SANDRAS
BE 1016.465.275
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BE 0693.753.896
Bütgenbach · Eq €85,480
DAKRA
BE 0698.611.717
Ronse · Eq €85,902
S&E Dakwerken
BE 0794.804.637
Bekkevoort · Eq €85,939
NSG Bouw & Karweiwerken
BE 0789.748.561
Mol · Eq €85,946
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,798 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
Founded19-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43120Site preparation
43230Insulation installation
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.