Checked.be
Active
BE 0502.542.152Private limited company
CHRISTOPHE PEETERS TOITURES
rue du Marronnier,Mtz 3 ·5573 Beauraing, Belgium· 13 yrs active
Sector: Roofing work
(43410)
Conclusion
CHRISTOPHE PEETERS TOITURES has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €122k and a net result of €31k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 11123 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €122k |
| Net result | €31k |
| Better than sector | 95% |
| Active | 13 yrs |
Financial profile
96
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2012, 13 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€12k
estimate, not credit advice
Score history
93
2022
86
2023
100
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 11.05 (≥ 1.5)
+10
Quick ratio
Quick ratio 11.05 (≥ 1.0)
+5
Leverage
Debt/equity 0.08 (< 1.0)
+10
Profitability
ROE 26% (≥ 10%)
+10
Interest coverage
Interest coverage 672.9× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 08-10-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~17.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 92.7% | 40.8% | |
| Net result | €31k | €11k | |
| Equity | €122k | €34k | |
| Gross operating margin | €55k | €35k | |
| Staff costs | €8 | €24k |
€54k
+189.9%
22-24
€31k
+587.9%
22-24
€38k
+131.5%
22-24
€131k
+28.8%
22-24
€122k
+34.5%
22-24
€96k
+42.4%
22-24
€8
-
22-24
€15k
+753.5%
22-24
€4k
-
22-24
€10k
-16.3%
22-24
€10k
-11.7%
22-24
€571
-86.3%
22-24
11.05
+52.8%
22-24
11.05
+52.8%
22-24
92.7%
+4.4%
22-24
0.08
-37.8%
22-24
25.7%
+411.5%
22-24
23.8%
+434.2%
22-24
672.89
+465.2%
22-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema |
| Revenue | - | - | - |
| EBITDA | €54k | €19k | €49k |
| Net profit | €31k | €5k | €30k |
| Cash flow | €38k | €17k | €39k |
| Staff costs | €8 | - | - |
| Income taxes | €15k | €2k | €9k |
| Dividends | - | €4k | - |
| Total assets | €131k | €102k | €107k |
| Equity | €122k | €90k | €89k |
| Debt | €10k | €11k | €17k |
| of which ≤ 1y | €10k | €11k | €13k |
| of which > 1y | - | €571 | €4k |
| Working capital | €96k | €68k | €61k |
| Employees (FTE) | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | |
|---|---|---|---|
| Current ratio | 11.05 | 7.23 | 5.64 |
| Quick ratio | 11.05 | 7.23 | 5.64 |
| Working capital ratio | 73.4% | 66.4% | 57.2% |
| Solvency | 92.7% | 88.7% | 83.7% |
| Debt / equity | 0.08 | 0.13 | 0.19 |
| Long-term debt ratio | - | 0.01 | 0.05 |
| Interest coverage | 672.89 | 119.04 | 157.17 |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 23.8% | 4.5% | 27.6% |
| ROE | 25.7% | 5.0% | 33.0% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €131k | €102k | €107k |
| Fixed assets | 21/28 | €25k | €23k | €33k |
| Tangible fixed assets | 22/27 | €25k | €23k | €33k |
| Current assets | 29/58 | €106k | €79k | €74k |
| Amounts receivable within one year | 40/41 | €6k | €13k | €39k |
| Cash & bank | 54/58 | €99k | €64k | €33k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €131k | €102k | €107k |
| Equity | 10/15 | €122k | €90k | €89k |
| Contributions / capital | 10/11 | €19k | €19k | €19k |
| Reserves | 13 | €103k | €72k | €70k |
| Accumulated profits (losses) | 14 | - | - | €483 |
| Amounts payable | 17/49 | €10k | €11k | €17k |
| Amounts payable after one year | 17 | - | €571 | €4k |
| Amounts payable within one year | 42/48 | €10k | €11k | €13k |
| Trade debts payable within one year | 44 | €909 | €6k | €4k |
| Income statement | ||||
| Gross operating margin | 9900 | €55k | €20k | €50k |
| Operating result | 9901 | €47k | €6k | €39k |
| Financial income | 75 | - | - | €2 |
| Financial charges | 65 | €80 | €156 | €311 |
| Result before taxes | 9903 | €46k | €6k | €39k |
| Income taxes | 67/77 | €15k | €2k | €9k |
| Net result for the period | 9904 | €31k | €5k | €30k |
| Result to be appropriated | 9905 | €31k | €5k | €30k |
Legal Structure
| NACE primary | Roofing work(43410) |
| Legal form | Private limited company(610) |
| Incorporation | 31-12-2012 |
| Status | Active |
| Postal code | 5573 |
Establishment units
Christophe Peeters Toitures sprl
since 20122.217.072.085
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91049C1127/00D000 | Wallonia | 997 m² | 1 · 124 m² | - |
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.
Updates
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Highest result since 2022net €31k ▲588%
Operating result €47k, net result €31k, both a record.
31-12
Financial
Equity above €100kEq €122k ▲34.5%
3 profitable years in a row build equity to €122k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €5k ▼84.6%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Roofing work43410
Names & trade names
| Legal nameFR | CHRISTOPHE PEETERS TOITURES |
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