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CSP Toitures

Active
Private limited companyfounded 2015active for 11 yearsRue Rouchat, Bioul 21, 5537 Anhée, BelgiumKBO/BCE: BE 0607.864.851
Summary

The computed 12-month bankruptcy probability of CSP Toitures is 7.4% (elevated). The 2024 annual accounts show equity of €48,307 and a net result of €421. Equity is growing by about 6.2% per year across the filed financial years. Its solvency ranks better than 36% of 9,837 sector peers (NACE 41, financial year 2024). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€164,605total assets 2024
Equity
€48,307
Profit
€421
Turnover not published (micro format)
Financial health
34 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
7.4%
Structure
Accounts 78 days overdue1 of 3 deeds read
Why 34raises riskFigures for financial year 2024 (filed 02-10-2025)1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 lateLiquidity: current ratio 2.12, cash €140, halvedSector: Construction of residential and non-residential buildings (NACE 41)Show the evidence

Checked score

Score 2024
34 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 35% of its sector peers (NACE 41, micro)
Financial strength · tick = 2023
Average
Solvency 54-8
equity 29.3% of total assets
Liquidity 32-10
short-term debt 39.5% · cash 0.1%
Profitability 69-30
return on assets 0.3%
Bankruptcy probability, 12 months
7.4% Elevated
0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,415 companies, NACE 41, micro)
Last 24 months 11-2024: 2.8% 12-2024: 2.8%● unchanged vs 11-2024 01-2025: 2.7%▼ -0.1 percentage points vs 12-2024 02-2025: 2.7%● unchanged vs 01-2025 03-2025: 2.7%● unchanged vs 02-2025 04-2025: 2.7%● unchanged vs 03-2025 05-2025: 2.7%● unchanged vs 04-2025 06-2025: 2.6%▼ -0.1 percentage points vs 05-2025lowest value 07-2025: 2.7%▲ +0.1 percentage points vs 06-2025 08-2025: 3.1%▲ +0.4 percentage points vs 07-2025 09-2025: 3.2%▲ +0.1 percentage points vs 08-2025 10-2025: 4.4%▲ +1.2 percentage points vs 09-2025 11-2025: 4.9%▲ +0.5 percentage points vs 10-2025 12-2025: 4.9%● unchanged vs 11-2025 01-2026: 4.9%● unchanged vs 12-2025 02-2026: 4.9%● unchanged vs 01-2026 03-2026: 4.8%▼ -0.1 percentage points vs 02-2026 04-2026: 4.7%▼ -0.1 percentage points vs 03-2026 05-2026: 4.4%▼ -0.3 percentage points vs 04-2026 06-2026: 4.3%▼ -0.1 percentage points vs 05-2026 07-2026: 3.9%▼ -0.4 percentage points vs 06-2026 08-2026: 5.0%▲ +1.1 percentage points vs 07-2026 09-2026: 5.6%▲ +0.6 percentage points vs 08-2026 10-2026: 7.4%▲ +1.8 percentage points vs 09-2026highest value
Credit of up to €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity ample (current ratio 2.12, compared with 2.17 in 2023, above the usual 1.5; short-term debt: 39.5% and cash: 0.1% of total assets), but 70.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 36% on solvency, 27% on liquidity, 40% on profitability and 38% on growth.

The bankruptcy probability was computed on 16-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
raises riskneutral
raises risk · Figures for financial year 2024 (filed 02-10-2025)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 2.12, cash €140, halved
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 78 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline17-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
60 days late
2023
34 days late
2022
58 days late
2021
10 days late
2020
25 days early
2019
62 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 33 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Weakest financial yearnet €421 ▼98.7%
  3. Purpose · Amendment of the articles…Resignations: PINON Steve (director) and…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 78 days late View
  • Positive: 7 profitable years in a rowprofit 2024: €421 7 years View
  • Total assets 20246 financial years filed €164,605 View

By topic

Financials

Financial year
2024
Total assets
€164,605
Profit
€421
Solvency
29.3%
Total assets▲ 28.6%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 03-09-2024Annual accounts filed
  2. 31-12-2023Highest result from 2018 to 2024
  3. 27-09-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
20-03-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
35
Annual meeting
Last Friday of May at 18:00
Purpose
“La réalisation de toutes opérations se rattachant à tous travaux de toiture,plateformes…” (deed in French)
Go to Articles of association

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