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FG TOITURES

Active
Private limited companyfounded 2011active for 14 yearsArbrefontaine,Ch. de St-Jacques 16, 4990 Lierneux, BelgiumKBO/BCE: BE 0841.510.434
Summary

FG TOITURES has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89,846 and a net result of €10,129. Equity has been growing by about 13% per year since 2019. Its solvency ranks better than 42% of 34,954 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Overview

Official details

Source: KBO
Status
Active since 02-12-2011 Normal situation
Activity
Roofing work NACE 43410and 1 other
Establishment unit
2.204.906.109 4990 Lierneux, since 02-12-2011
Financial year end
31 March
Peppol
Reachable since 12-01-2026

Board and ownership

Board
Shareholders
  • Fabien GASPARannual accounts 31-03-2017

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.1%
Annual accounts to 31-03-2025
Gross margin
€132,471
▼ 0.3%
Turnover
≈ €430,000
estimated
Profit
€10,129
▲ 38.4%
Equity
€89,846
▲ 12.7%
Total assets
€224,953
▲ 49.5%
Employees on 31-03-2025
2
=
  • 2026 accounts not filed, 4 days past the deadline
Score breakdownraises riskCapped at 59: a confirmed filing finding1 financial year not filed after the legal deadline; last filed accounts filed 136 days late; 2 of the last 3 accounts lateFigures for financial year 2025 (filed on 17-03-2026)lowers riskLiquidity: current ratio 1.38, cash €104,726Founded in 2011Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 54% of micro companies in specialised construction (NACE 43)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Strong
Solvency 65-13
equity 39.9% of total assets
Liquidity 69+23
short-term debt 60.1% · cash 46.6%
Profitability 74-1
return on assets 4.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 1.7% 01-2025: 2.9%▲ +1.2 percentage points vs 12-2024 02-2025: 3.0%▲ +0.1 percentage points vs 01-2025 03-2025: 4.0%▲ +1.0 percentage point vs 02-2025 04-2025: 4.9%▲ +0.9 percentage points vs 03-2025 05-2025: 4.9%● unchanged vs 04-2025 06-2025: 5.2%▲ +0.3 percentage points vs 05-2025 07-2025: 4.8%▼ -0.4 percentage points vs 06-2025 08-2025: 4.8%● unchanged vs 07-2025 09-2025: 4.8%● unchanged vs 08-2025 10-2025: 4.8%● unchanged vs 09-2025 11-2025: 6.2%▲ +1.4 percentage points vs 10-2025 12-2025: 7.6%▲ +1.4 percentage points vs 11-2025highest value 01-2026: 7.6%● unchanged vs 12-2025highest value 02-2026: 7.6%● unchanged vs 01-2026highest value 03-2026: 7.6%● unchanged vs 02-2026highest value 04-2026: 0.8%▼ -6.8 percentage points vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.7%▼ -0.1 percentage points vs 08-2026lowest value 10-2026: 1.0%▲ +0.3 percentage points vs 09-2026 11-2026: 1.1%▲ +0.1 percentage points vs 10-2026
Credit of up to €5,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity is tight, with a current ratio of 1.38 (1.5 in 2024), below the usual 1.5. Short-term debt is 60.1% and cash 46.6% of total assets. 60.1% of the assets are financed with debt and provisions.
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 43% of them on solvency, 67% on liquidity, 47% on profitability and 59% on growth.

The bankruptcy probability was computed on 03-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 136 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 1.38, cash €104,726
NBB · annual accounts
raises risk · Figures for financial year 2025 (filed on 17-03-2026)
NBB · annual accounts
lowers risk · Founded in 2011
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2025 accounts filed 136 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-03-2026, 136 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2026
not filed
2025
136 days late
2024
501 days late
2023
on the day
2022
3 days early
2021
34 days early
2020
9 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 102 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 10th largest company by total assets in Lierneux, Construction sectorin the Checked rankings No. 10 View
  • Positive: 7 profitable years in a rowprofit 2025: €10,129 7 years View

Recent changes

  1. · Gazette deed Reappointment: GASPAR Fabien (director)
  2. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as FG TOITURES: roofing work (NACE 43410). They are comparable in size and age: total assets between €201,000 and €224,000, founded between 2010 and 2013.

CompanyTotal assetsGross margin
FG TOITURES Lierneux€224,953€132,471
HUBERTY-LENNERTZ Dison€200,547€131,462
Daniel BREULET et Fils Hamois€223,205€141,356
TOITURE BARDIAU Les Bons Villers€224,315€118,550
Nicolas NOËL TOITURES Genappe€206,323€132,079
Dakwerken Dave Bové Essen€209,542€133,621
MILOT Construct Etterbeek€208,561€121,365
Full comparison

Key facts about FG TOITURES

What is the company number of FG TOITURES?
The company number of FG TOITURES is 0841.510.434. The VAT number is the same number with BE in front: BE 0841.510.434.
Where is FG TOITURES based?
The registered office is at Arbrefontaine,Ch. de St-Jacques 16, 4990 Lierneux.Company details
What does FG TOITURES do?
According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of FG TOITURES?
The legal form of FG TOITURES is Private limited company (BV).
When was FG TOITURES founded?
FG TOITURES was founded on 02-12-2011.
Is FG TOITURES still active?
Yes, FG TOITURES is an active enterprise in the KBO register.
How many employees does FG TOITURES have?
FG TOITURES had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of FG TOITURES?
The turnover in financial year 2025 is ≈ €430,000. This figure is estimated from the gross margin of €132,471 and 235 comparable companies (NACE 43). It probably lies between €330,000 and €610,000.
Is FG TOITURES profitable?
In financial year 2025, FG TOITURES made a profit of €10,129.
Where can I find the annual accounts of FG TOITURES?
FG TOITURES filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.

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