FC TOITURES
ActiveFC TOITURES has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €20k. Equity is growing by ~77.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+11
Solvency32▲+1
Growth85=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.06 in 2023; short-term debt: 88.7% and cash: 4% of total assets), and 92.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
7.2%
Return on assets
2.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 36373 sector peers (2024).
NBB · sector comparisonPosition among 36373 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
26 d late
2022
29 d late
2021
144 d late
2020
143 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€1.02M▲ 55.2%
2022 · €657k
2022: €657k
2022 → 2023
EBIT margin
2.7%▼ 0.1pp
2022 · 2.9%
2022: 2.9%
2022 → 2023
Net result
€20k▼ 25.6%
2023 · €26k
2020: €-4k
2021: €24k
2022: €19k
2023: €26k
2020 → 2024
Working capital
€47k▲ 79.5%
2023 · €26k
2020: €-41k
2021: €13k
2022: €36k
2023: €26k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€657k€1.02M▲ 55.2%
Equity€-40k-€-16k▲ 59.3%€2k€29k▲ 1,096%€49k▲ 68.2%
Operating result€8k-€30k▲ 289%€19k▼ 38.3%€28k▲ 49.0%€37k▲ 33.7%
Net result€-4k-€24k€19k▼ 21.3%€26k▲ 41.5%€20k▼ 25.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 34% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €670k
Fixed assets
€29k▼ 15.9%
Current assets
€641k▲ 38.4%
Equity and liabilities €670k
Equity
€49k▲ 68.2%
Provisions
€10k=
Debt
€612k▲ 33.2%
The debt ratio falls from 92.2% to 91.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2023 · €32k
Cash flow
€28k▼
2023 · €30k
Solvency
7.2%▲
2023 · 5.8%
Current ratio
1.08▲
2023 · 1.06
Quick ratio
0.65▼
2023 · 0.80
Debt / equity
12.59▼
2023 · 15.88
ROE
40.5%▼
2023 · 91.6%
ROA
2.9%▼
2023 · 5.3%
Interest coverage
6.52▼
2023 · 20.91
Debt
€612k▲
2023 · €459k
Debt ≤ 1 year
€594k▲
2023 · €437k
Debt > 1 year
€17k▼
2023 · €22k
Income taxes
€11k
Staff costs
€56k▲
2023 · €39k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€498k€670k▲
Fixed assets21/28€35k€29k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€34k€26k▼
Furniture and vehicles24€34k€26k▼
Financial fixed assets28€741€741=
Current assets29/58€463k€641k▲
Stocks and contracts in progress3€112k€257k▲
Stocks30/36€112k€257k▲
Amounts receivable within one year40/41€227k€310k▲
Trade receivables40€161k€231k▲
Other amounts receivable41€66k€79k▲
Cash at bank and in hand54/58€5k€27k▲
Deferred charges and accrued income490/1€119k€47k▼
Equity and liabilities
Total equity and liabilities10/49€498k€670k▲
Equity10/15€29k€49k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Profit (loss) carried forward14€23k€42k▲
Provisions and deferred taxes16€10k€10k=
Provisions for liabilities and charges160/5€10k€10k=
Other liabilities and charges164/5€10k€10k=
Amounts payable17/49€459k€612k▲
Amounts payable after more than one year17€22k€17k▼
Financial debts170/4€22k€17k▼
Amounts payable within one year42/48€437k€594k▲
Current portion of amounts payable after more than one year42€10k€9k▼
Financial debts43-€14k
Credit institutions430/8-€14k
Trade debts44€398k€516k▲
Suppliers440/4€398k€516k▲
Taxes, remuneration and social security45€26k€56k▲
Taxes450/3€14k€38k▲
Remuneration and social security454/9€12k€18k▲
Other amounts payable47/48€4k-
Income statement
Code20232024
Turnover70€1.02M-
Goods, raw materials, services and sundry goods60/61€919k-
Remuneration, social security and pensions62€39k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€719€1k▲
Non-recurring operating charges66A€44k-
Gross operating margin9900€116k€102k▼
Operating profit (loss)9901€28k€37k▲
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€26k€30k▲
Income taxes67/77-€11k
Profit (loss) for the period9904€26k€20k▼
Profit (loss) for the period to be appropriated9905€26k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€42k▲
Profit (loss) brought forward from the previous period14P€-4k€23k▲
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2020net €26k ▲41.5%
Net result €26k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 144 days late
2021
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 143 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, La Louvière · 1 establishment unit since 2012
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 du Rivage(M) 1057110 La LouvièreGround area
600 m²
Building footprint
144 m²
Volume, LiDAR
1,037 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FC TOITURES
since 20122.332.651.644
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55026A0067/00P006 | Wallonia | 405 m² | 1 · 92 m² | 8.7 m · 2 fl. |
| 55373B0163/00R000 | Wallonia | 195 m² | 1 · 52 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0719.612.316
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HAESAERTS P & L
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,672 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2012
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.