C-toi
ActiveThe computed 12-month bankruptcy probability of C-toi is 2.9% (moderate). The 2025 annual accounts show equity of €45k and a net result of €124k. Equity is growing by ~29.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 13240 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
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency49▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.01 in 2024; short-term debt: 67.4% and cash: 60.4% of total assets), and 76.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
23.9%
Return on assets
66.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
56 d early
2023
131 d early
2022
22 d late
2021
23 d early
2020
23 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 59.5%
2024 · €28k
2020: €-5k
2021: €17k
2022: €42k
2023: €27k
2024: €28k
2020 → 2025
Total assets
€186k▲ 0.3%
2024 · €186k
2020: €74k
2021: €94k
2022: €180k
2023: €168k
2024: €186k
2020 → 2025
Net result
€124k▲ 53.3%
2024 · €81k
2020: €-15k
2021: €22k
2022: €24k
2023: €64k
2024: €81k
2020 → 2025
Working capital
€3k▲ 174%
2024 · €1k
2020: €-27k
2021: €-6k
2022: €14k
2023: €2k
2024: €1k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€42k▲ 141%€27k▼ 35.9%€28k▲ 4.4%€45k▲ 59.5%
Operating result€23k-€30k▲ 28.2%€83k▲ 178%€114k▲ 36.7%€176k▲ 54.4%
Net result€22k-€24k▲ 10.9%€64k▲ 161%€81k▲ 27.2%€124k▲ 53.3%
Turnover and EBIT margin not published: the abbreviated or 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 54% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186k
Fixed assets
€57k▲ 12.4%
Current assets
€129k▼ 4.3%
Equity and liabilities €186k
Equity
€45k▲ 59.5%
Debt
€142k▼ 10.2%
The debt ratio falls from 84.9% to 76.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€198k▲
2024 · €136k
Cash flow
€146k▲
2024 · €103k
Solvency
23.9%▲
2024 · 15.1%
Current ratio
1.03▲
2024 · 1.01
Quick ratio
1.03▲
2024 · 1.01
Debt / equity
3.18▼
2024 · 5.64
ROE
279.3%▼
2024 · 290.7%
ROA
66.9%▲
2024 · 43.8%
Interest coverage
64.16▲
2024 · 51.57
Debt
€142k▼
2024 · €158k
Debt ≤ 1 year
€125k▼
2024 · €133k
Debt > 1 year
€15k▼
2024 · €24k
Income taxes
€49k▲
2024 · €30k
Staff costs
€16k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€186k€186k▲
Fixed assets21/28€51k€57k▲
Tangible fixed assets22/27€51k€57k▲
Land and buildings22€27k€17k▼
Plant, machinery and equipment23€17k€15k▼
Furniture and vehicles24€6k€26k▲
Leasing and similar rights25€0-
Current assets29/58€135k€129k▼
Amounts receivable within one year40/41€21k€9k▼
Trade receivables40€19k€9k▼
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€113k€112k▼
Deferred charges and accrued income490/1€425€8k▲
Equity and liabilities
Total equity and liabilities10/49€186k€186k▲
Equity10/15€28k€45k▲
Contributions10/11€10k€10k=
Reserves13-€35k
Distributable reserves133-€35k
Profit (loss) carried forward14€18k€0▼
Amounts payable17/49€158k€142k▼
Amounts payable after more than one year17€24k€15k▼
Financial debts170/4€24k€15k▼
Amounts payable within one year42/48€133k€125k▼
Current portion of amounts payable after more than one year42€11k€9k▼
Financial debts43€5k€6k▲
Credit institutions430/8€369€0▼
Other loans439€5k€6k▲
Trade debts44€15k€14k▼
Suppliers440/4€15k€14k▼
Taxes, remuneration and social security45€8k€42k▲
Taxes450/3€8k€35k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€94k€54k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€140k€218k▲
Operating profit (loss)9901€114k€176k▲
Financial income75/76B€20€413▲
Recurring financial income75€20€413▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€111k€173k▲
Income taxes67/77€30k€49k▲
Profit (loss) for the period9904€81k€124k▲
Profit (loss) for the period to be appropriated9905€81k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€142k▲
Profit (loss) brought forward from the previous period14P€17k€18k▲
Transfer to equity691/2-€35k
To other reserves6921-€35k
Profit to be distributed694/7€80k€108k▲
Return on contributions (dividend)694€80k€108k▲
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2020net €124k ▲53.3%
Operating result €176k, net result €124k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated 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, Merelbeke-Melle · 1 establishment unit since 2019
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.
Brandegems Ham 29820 Merelbeke-MelleGround area
1,410 m²
Building footprint
300 m²
Volume, LiDAR
762 m³
Parcel 44412B1021/00P000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
C-toi
since 20192.289.816.147
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B1021/00P000 | Flanders | 1,410 m² | 1 · 300 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMerelbeke-Melle2.289.816.147
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Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 2,022 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2019
Fiscal year end31-12
Trade name NL
By Harold & Nicolas
Activities, NACEBEL
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:nicolasseveyn@hotmail.com
Phone:0498/79.49.15
E-mail:nicolassaveyn@hotmail.com