Debts
€22,757 70% of the balance sheet
Suppliers 58%Taxes and wages 15%Other 27%
Of this, €22,743 falls due within a year.
ELECTRO-TOIT
Lifetime
1 annual account with figurespeak €10,870 (2025)
€10,870
peak €6,216 (2025)
€6,216
peak €9,716 (2025)
€9,716
€22,757
Board1 name since 2024
1 directorRIZZO Rino
Documentsfilings and deeds
19-01-202612 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsAt the same address
430 companies
Position in the sector
€9,716
Less equity than 83% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
Checked score
55
Fair
Financially stronger than 43% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2025: 1.9%
06-2025: 1.9%● unchanged vs 05-2025
07-2025: 2.0%▲ +0.1 percentage points vs 06-2025
08-2025: 2.3%▲ +0.3 percentage points vs 07-2025
09-2025: 2.4%▲ +0.1 percentage points vs 08-2025
10-2025: 2.7%▲ +0.3 percentage points vs 09-2025
11-2025: 3.0%▲ +0.3 percentage points vs 10-2025highest value
12-2025: 3.0%● unchanged vs 11-2025highest value
01-2026: 2.9%▼ -0.1 percentage points vs 12-2025
02-2026: 1.5%▼ -1.4 percentage points vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026lowest value
04-2026: 1.6%▲ +0.1 percentage points vs 03-2026
05-2026: 1.6%● unchanged vs 04-2026
06-2026: 1.6%● unchanged vs 05-2026
07-2026: 1.6%● unchanged vs 06-2026
08-2026: 1.6%● unchanged vs 07-2026
09-2026: 1.6%● unchanged vs 08-2026
10-2026: 1.7%▲ +0.1 percentage points vs 09-2026
11-2026: 1.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Size: total assets €32,473
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 1.02, cash €4,678
Calculation
The band follows from the bankruptcy probability. 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 43, micro). It does better than 32% of them on solvency, 19% on liquidity and 79% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as ELECTRO-TOIT has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ELECTRO-TOIT itself: 1.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for ELECTRO-TOIT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02, below the usual 1.5. Short-term debt is 70% and cash 14.4% of total assets. 70.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-01-2026, 12 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
12 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1008545523
Incorporation
Founding capital of €3,500, 100 shares · Founder: RIZZO Rino (comparant) · Appointment: RIZZO Rino (director) · published on 22-04-2024 · Gazette deed
First establishment
Rue Sainte-Anne 78, La Louvière
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ELECTRO-TOIT Sint-Genesius-Rode | €32,473 | €10,870 | 29.9% | - |
| MLC GROUP Overijse | €33,858 | €12,848 | 24.6% | - |
| Johny Kril Construct Holsbeek | €30,620 | €13,394 | 25.8% | - |
| DN TOITURE Schaerbeek | €32,932 | €11,640 | 52.0% | - |
| Close & Frères Toitures Sint-Genesius-Rode | €30,138 | €9,892 | 34.1% | - |
| Cool Roof Belgium Drogenbos | €40,889 | €13,384 | 52.2% | - |
| HT Concept Scherpenheuvel-Zichem | €29,815 | €7,185 | 66.2% | - |
These companies have the same main activity as ELECTRO-TOIT: roofing work (NACE 43410). They are comparable in size and age: total assets between €29,800 and €40,900, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 18-04-2024Normal situation
- Registered office
- 431 active companies are registered at this address82 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Roofing workNACE 43410and 1 other
- Establishment unit
- 2.358.564.9957110 La Louvière, since 18-04-2024
- Financial year end
- 30 June
- Peppol
- Reachable since 15-11-2025
Annual accounts to 30-06-2025
- ≈ €130,000estimated
- €32,473
- Filing
- Filed on 19-01-2026, 12 days before the end of the filing period
Insights on ELECTRO-TOIT
The computed 12-month bankruptcy probability of ELECTRO-TOIT is 1.7% (moderate). The 2025 annual accounts show equity of €9,716 and a net result of €6,216.
Its solvency ranks better than 32% of 35,136 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ELECTRO-TOIT
- What is the company number of ELECTRO-TOIT?
- The company number of ELECTRO-TOIT is 1008.545.523. The VAT number is the same number with BE in front: BE 1008.545.523.
- Where is ELECTRO-TOIT based?
- The registered office is at Waterloose Steenweg 200, 1640 Sint-Genesius-Rode.Company details
- What does ELECTRO-TOIT do?
- According to the KBO register, the main activity is roofing work (NACE 43410).
- What is the legal form of ELECTRO-TOIT?
- ELECTRO-TOIT is a private limited company (BV).
- When was ELECTRO-TOIT founded?
- ELECTRO-TOIT was founded on 18-04-2024.
- Is ELECTRO-TOIT still active?
- Yes, ELECTRO-TOIT is an active enterprise in the KBO register.
- What is the turnover of ELECTRO-TOIT?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €10,870 and 32 comparable companies (NACE 43410). It probably lies between €73,000 and €210,000. It is a rough estimate.Financials
- Is ELECTRO-TOIT profitable?
- In financial year 2025, ELECTRO-TOIT made a profit of €6,216.
- Where can I find the annual accounts of ELECTRO-TOIT?
- ELECTRO-TOIT filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.