ETHIC' & TOIT
ActiveETHIC' & TOIT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €352k and a net result of €4k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 55% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+3
Solvency65▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.07 in 2024; short-term debt: 20.5% and cash: 0.5% of total assets), and 59.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
40.5%
Return on assets
0.4%
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 30-08-2026, 30 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 · 9 filingsDeviation from the deadline
2025
30 d late
2024
15 d early
2023
19 d late
2022
43 d early
2021
42 d early
2020
30 d late
2019
108 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€352k▲ 1.1%
2024 · €349k
2018: €347k
2019: €422k
2020: €406k
2021: €370k
2022: €346k
2023: €346k
2024: €349k
2018 → 2025
Total assets
€871k▼ 2.6%
2024 · €895k
2018: €684k
2019: €862k
2020: €942k
2021: €971k
2022: €933k
2023: €914k
2024: €895k
2018 → 2025
Net result
€4k▲ 78.7%
2024 · €2k
2018: €644
2019: €402
2020: €-22k
2021: €-36k
2022: €-29k
2023: €218
2024: €2k
2018 → 2025
Working capital
€-172k▼ 0.9%
2024 · €-171k
2018: €172k
2019: €71k
2020: €-35k
2021: €-133k
2022: €-162k
2023: €-166k
2024: €-171k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€370k-€346k▼ 6.5%€346k▲ 0.1%€349k▲ 0.6%€352k▲ 1.1%
Operating result€-21k-€-20k▲ 5.3%€1k€12k▲ 728%€13k▲ 9.5%
Net result€-36k-€-29k▲ 19.0%€218€2k▲ 900%€4k▲ 78.7%
Turnover and EBIT margin not published: the 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 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €871k
Fixed assets
€864k▼ 2.1%
Current assets
€6k▼ 46.5%
Equity and liabilities €871k
Equity
€352k▲ 1.1%
Debt
€518k▼ 5.1%
The debt ratio falls from 61.0% to 59.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▲
2024 · €30k
Cash flow
€22k▲
2024 · €20k
Solvency
40.5%▲
2024 · 39.0%
Current ratio
0.04▼
2024 · 0.07
Quick ratio
0.04▼
2024 · 0.07
Debt / equity
1.47▼
2024 · 1.57
ROE
1.1%▲
2024 · 0.6%
ROA
0.4%▲
2024 · 0.2%
Interest coverage
3.34▲
2024 · 3.04
Debt
€518k▼
2024 · €546k
Debt ≤ 1 year
€179k▼
2024 · €183k
Debt > 1 year
€339k▼
2024 · €361k
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€895k€871k▼
Fixed assets21/28€883k€864k▼
Tangible fixed assets22/27€862k€844k▼
Land and buildings22€862k€844k▼
Plant, machinery and equipment23€93€0▼
Financial fixed assets28€21k€21k=
Current assets29/58€12k€6k▼
Amounts receivable within one year40/41€5k€716▼
Trade receivables40-€422
Other amounts receivable41€5k€294▼
Cash at bank and in hand54/58€4k€4k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€895k€871k▼
Equity10/15€349k€352k▲
Contributions10/11€435k€435k=
Profit (loss) carried forward14€-87k€-83k▲
Amounts payable17/49€546k€518k▼
Amounts payable after more than one year17€361k€339k▼
Financial debts170/4€361k€339k▼
Amounts payable within one year42/48€183k€179k▼
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€69k€5k▼
Suppliers440/4€69k€5k▼
Taxes, remuneration and social security45€205€5▼
Taxes450/3€205€5▼
Other amounts payable47/48€92k€152k▲
Accrued charges and deferred income492/3€2k€559▼
Income statement
Code20242025
Non-recurring operating income76A€838€1▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€34k€36k▲
Operating profit (loss)9901€12k€13k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€2k€4k▲
Profit (loss) for the period9904€2k€4k▲
Profit (loss) for the period to be appropriated9905€2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-87k€-83k▲
Profit (loss) brought forward from the previous period14P€-89k€-87k▲
The notes to these accounts (9 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2018net €4k ▲78.7%
Operating result €13k, net result €4k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €218
Net result €218 after 3 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Paliseul · 1 establishment unit since 2017
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.
Rue Saint-Roch 106850 PaliseulGround area
235 m²
Building footprint
63 m²
Volume, LiDAR
743 m³
Parcel 84050A0057/00H000, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saint-Roch 10, 6850 Paliseul
since 20172.262.460.365
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84050A0057/00H000 | Wallonia | 235 m² | 1 · 63 m² | 13.8 m · 4 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.
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PLAFO PINTO
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 3,600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded07-01-2017
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
56220Contract catering and other food service activities
56290Food and beverage service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
82990Other business support services
94999Other membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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
1 entryPhone:0494660444