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EXPERT TOIT

Active
Private limited companyfounded 20179 yrs activeRue Mathieu de Lexhy 240, 4460 Grâce-Hollogne, BelgiumKBO/BCE: BE 0673.797.830
Summary

EXPERT TOIT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173,163 and a net result of €5,419. Equity is growing by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 33926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
EXPERT TOITActiveChecked score 80/100
Risk analysis ReportCompare

Overview

Activity
Roofing work
NACE 43410Bricklaying and masonry work NACE 43910
2 sites
Size
€376,787total assets 2025
Staff
8.1 FTE
Equity
€173,163
Profit
€5,419
Turnover not published (abridged schema)
Financial health
80 Excellent Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts 35 d early0 of 6 deeds read
Why 80- 1 change of registered office in 24 months- Sector Specialised construction activities (NACE 43)+ Figures for FY 2025 (filed 26-06-2026)+ Liquidity: current ratio 1.99, cash €48,035Show the evidence

Checked score

Score 2025
80 / 100
Excellent
Probability in this band: under 0.55%
Better than 42% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 71-12
equity 46.0% of total assets
Liquidity 47-14
short-term debt 40.5% · cash 12.7%
Profitability 71-1
return on assets 1.4%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,514 companies)
Last 24 months 11-2024: 0.9% 12-2024: 0.9%● 0.0% vs 11-2024 01-2025: 0.8%▼ -5.9% vs 12-2024 02-2025: 0.8%● 0.0% vs 01-2025 03-2025: 0.8%● 0.0% vs 02-2025 04-2025: 0.9%▲ +10.3% vs 03-2025 05-2025: 0.8%▼ -15.2% vs 04-2025 06-2025: 0.7%▼ -3.3% vs 05-2025 07-2025: 1.7%▲ +136% vs 06-2025highest value 08-2025: 0.5%▼ -72.8% vs 07-2025lowest value 09-2025: 0.5%● 0.0% vs 08-2025lowest value 10-2025: 0.5%● 0.0% vs 09-2025lowest value 11-2025: 0.5%● 0.0% vs 10-2025lowest value 12-2025: 0.5%● 0.0% vs 11-2025lowest value 01-2026: 0.5%● 0.0% vs 12-2025lowest value 02-2026: 0.5%▲ +14.6% vs 01-2026 03-2026: 0.5%● 0.0% vs 02-2026 04-2026: 0.6%▲ +15.7% vs 03-2026 05-2026: 0.8%▲ +21.5% vs 04-2026 06-2026: 0.7%▼ -3.8% vs 05-2026 07-2026: 0.8%▲ +6.3% vs 06-2026 08-2026: 1.1%▲ +35.1% vs 07-2026 09-2026: 1.5%▲ +44.5% vs 08-2026 10-2026: 0.6%▼ -62.8% vs 09-2026
  • 1 change of registered office in 24 months raises the probability
  • Figures for FY 2025 (filed 26-06-2026) lowers the probability
  • Liquidity: current ratio 1.99, cash €48,035 lowers the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 1.99 against 2.58 in 2024; short-term debt: 40.5% and cash: 12.7% of total assets), but 54% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 50%, liquidity 38%, profitability 39%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Figures for FY 2025 (filed 26-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.99, cash €48,035
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
35 d early
2024
30 d early
2023
34 d early
2022
32 d early
2021
31 d early
2020
11 d late
2019
11 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Among the largest 5% on gross marginsector median €39,058 · 33,885 companies €534,596 View
  • Positive: 6 profitable years in a rowprofit 2025: €5,419 6 years View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€376,787
Profit
€5,419
Solvency
46.0%
Total assets▲ 31.3%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2019
Next accounts
by 31-07-2027
  1. 26-06-2026Annual accounts filed
  2. 01-07-2025Annual accounts filed
  3. 27-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Roofing workNACE 43410
Founded
03-04-2017
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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