Checked.be
Active
BE 0884.932.879Private limited company
ECO TOITURES
Hameau Tour qui Brouille 2 ·7181 Seneffe, Belgium· 19 yrs active
Sector: Roofing work
(43410)
Conclusion
ECO TOITURES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €5k. Equity is shrinking by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 11% of 7505 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €14k |
| Net result | €5k |
| Better than sector | 11% |
| Active | 19 yrs |
Financial profile
61
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
51
Profitability
100
Solvency
16
Growth
38
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2006, 19 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
51
/ 100
Fair
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
€500
estimate, not credit advice
Score history
65
2020
91
2021
99
2022
62
2023
2
2024
51
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.92 (< 1.0)
-10
Quick ratio
Quick ratio 0.36 (< 0.6)
-5
Leverage
Debt/equity 7.92 (> 3.0)
-10
Profitability
ROE 34% (≥ 10%)
+10
Interest coverage
Interest coverage 56.0× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 11-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~14.5%/year over 6 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 2025 · NACE 43, Specialised construction activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 9.3% | 44.0% | |
| Net result | €5k | €29k | |
| Equity | €14k | €274k | |
| Gross operating margin | €23k | €272k | |
| Staff costs | €445 | €243k |
€215k
-35.1%
20-25
€20k
-
20-25
€5k
-
20-25
€17k
-
20-25
€151k
-8.1%
20-25
€14k
+50.8%
20-25
€-8k
-618.4%
20-25
€445
-
20-25
€5k
-
20-25
€111k
-14.0%
20-25
€99k
-4.1%
20-25
€12k
-53.7%
20-25
0.92
-7.2%
20-25
0.36
+31.1%
20-25
9.3%
+64.1%
20-25
7.92
-43.0%
20-25
33.7%
-
20-25
3.1%
-
20-25
-6.5%
-
20-25
5.1%
-55.5%
20-25
56.01
-
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | €215k | €331k | - |
| EBITDA | €20k | €-17k | €11k | €38k | €15k |
| Net profit | €5k | €-28k | €-14k | €20k | €4k |
| Cash flow | €17k | €-16k | €4k | €34k | €15k |
| Staff costs | €445 | - | - | - | - |
| Income taxes | €5k | €-3k | €5k | €4k | €351 |
| Dividends | - | - | - | - | - |
| Total assets | €151k | €164k | €147k | €223k | €136k |
| Equity | €14k | €9k | €37k | €51k | €31k |
| Debt | €111k | €129k | €83k | €146k | €79k |
| of which ≤ 1y | €99k | €103k | €44k | €82k | €78k |
| of which > 1y | €12k | €26k | €39k | €64k | €840 |
| Working capital | €-8k | €-1k | €35k | €61k | €43k |
| Employees (FTE) | - | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 0.92 | 0.99 | 1.80 | 1.75 | 1.55 |
| Quick ratio | 0.36 | 0.28 | 1.01 | 1.33 | 1.00 |
| Working capital ratio | -5.4% | -0.7% | 24.1% | 27.5% | 31.5% |
| Solvency | 9.3% | 5.7% | 25.5% | 23.0% | 22.9% |
| Debt / equity | 7.92 | 13.88 | 2.22 | 2.84 | 2.53 |
| Long-term debt ratio | 0.85 | 2.76 | 1.04 | 1.25 | 0.03 |
| Interest coverage | 56.01 | -8.98 | 4.58 | 52.22 | 42.82 |
| Gross margin | - | - | -6.2% | -4.3% | - |
| Net margin | - | - | -6.5% | 6.2% | - |
| ROA | 3.1% | -17.2% | -9.6% | 9.2% | 2.6% |
| ROE | 33.7% | -303.3% | -37.5% | 39.8% | 11.4% |
| EBITDA margin | - | - | 5.1% | 11.5% | - |
| Days sales outstanding | - | - | 8d | 39d | - |
| Days payable outstanding | - | - | 25d | 57d | 81d |
| Inventory turnover | - | - | 6.55 | 9.94 | 6.73 |
| Days inventory (DSI) | - | - | 56d | 37d | 54d |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €151k | €164k | €147k | €223k | €136k |
| Fixed assets | 21/28 | €60k | €62k | €67k | €80k | €15k |
| Tangible fixed assets | 22/27 | €60k | €62k | €67k | €80k | €15k |
| Current assets | 29/58 | €91k | €102k | €80k | €143k | €120k |
| Stocks & contracts in progress | 3 | €55k | €73k | €35k | €35k | €42k |
| Amounts receivable within one year | 40/41 | €31k | €27k | €27k | €70k | €45k |
| Cash & bank | 54/58 | €4k | €2k | €18k | €38k | €33k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €151k | €164k | €147k | €223k | €136k |
| Equity | 10/15 | €14k | €9k | €37k | €51k | €31k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k | €6k |
| Reserves | 13 | €29k | €29k | €29k | €70k | €60k |
| Accumulated profits (losses) | 14 | €-22k | €-26k | €2k | €-25k | €-36k |
| Provisions & deferred taxes | 16 | €26k | €26k | €26k | €26k | €26k |
| Amounts payable | 17/49 | €111k | €129k | €83k | €146k | €79k |
| Amounts payable after one year | 17 | €12k | €26k | €39k | €64k | €840 |
| Amounts payable within one year | 42/48 | €99k | €103k | €44k | €82k | €78k |
| Trade debts payable within one year | 44 | €49k | €26k | €15k | €54k | €63k |
| Income statement | ||||||
| Turnover | 70 | - | - | €215k | €331k | - |
| Gross operating margin | 9900 | €23k | €-15k | €28k | €51k | €17k |
| Operating result | 9901 | €8k | €-29k | €-7k | €25k | €4k |
| Financial income | 75 | €2k | €42 | €174 | €182 | €265 |
| Financial charges | 65 | €349 | €2k | €2k | €729 | €358 |
| Result before taxes | 9903 | €9k | €-31k | €-9k | €24k | €4k |
| Income taxes | 67/77 | €5k | €-3k | €5k | €4k | €351 |
| Net result for the period | 9904 | €5k | €-28k | €-14k | €20k | €4k |
| Result to be appropriated | 9905 | €5k | €-28k | €-14k | €20k | €4k |
Legal Structure
| NACE primary | Roofing work(43410) |
| Legal form | Private limited company(610) |
| Incorporation | 13-11-2006 |
| Status | Active |
| Postal code | 7181 |
Establishment units
ECO TOITURES
since 20072.159.066.481
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52020C0820/00K000 | Wallonia | 605 m² | 1 · 76 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
Next filing, fiscal year 2026, expected by
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2020net €20k ▲479%
Operating result €25k, net result €20k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
20-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Roofing work434104511245220Site preparation43120
Names & trade names
| Legal nameFR | ECO TOITURES |
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