FG TOITURES
ActiveFG TOITURES has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €10k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 42% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-1
Solvency65▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.38 against 1.5 in 2024; short-term debt: 60.1% and cash: 46.6% of total assets), and 60.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · Filed more than 90 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: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
136 d late
2024
501 d late
2023
on the day
2022
3 d early
2021
34 d early
2020
9 d late
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 12.7%
2024 · €80k
2019: €46k
2020: €50k
2021: €53k
2022: €62k
2023: €72k
2024: €80k
2019 → 2025
Total assets
€225k▲ 49.5%
2024 · €150k
2019: €131k
2020: €111k
2021: €90k
2022: €131k
2023: €153k
2024: €150k
2019 → 2025
Net result
€10k▲ 38.4%
2024 · €7k
2019: €322
2020: €4k
2021: €3k
2022: €10k
2023: €10k
2024: €7k
2019 → 2025
Working capital
€52k▲ 45.6%
2024 · €36k
2019: €9k
2020: €19k
2021: €26k
2022: €18k
2023: €23k
2024: €36k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€62k▲ 18.3%€72k▲ 16.3%€80k▲ 10.1%€90k▲ 12.7%
Operating result€2k-€13k▲ 459%€9k▼ 29.8%€9k▲ 0.3%€15k▲ 60.7%
Net result€3k-€10k▲ 233%€10k▲ 5.4%€7k▼ 27.9%€10k▲ 38.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 61% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€38k▼ 14.1%
Current assets
€187k▲ 76.2%
Equity and liabilities €225k
Equity
€90k▲ 12.7%
Debt
€135k▲ 91.0%
The debt ratio rises from 47.0% to 60.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €21k
Cash flow
€22k▲
2024 · €19k
Solvency
39.9%▼
2024 · 53.0%
Current ratio
1.38▼
2024 · 1.50
Quick ratio
1.07▼
2024 · 1.39
Debt / equity
1.50▲
2024 · 0.89
ROE
11.3%▲
2024 · 9.2%
ROA
4.5%▼
2024 · 4.9%
Interest coverage
11.71▼
2024 · 13.46
Debt
€135k▲
2024 · €71k
Debt ≤ 1 year
€135k▲
2024 · €71k
Income taxes
€4k▲
2024 · €3k
Staff costs
€103k▼
2024 · €110k
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€150k€225k▲
Fixed assets21/28€44k€38k▼
Tangible fixed assets22/27€43k€36k▼
Land and buildings22€2k-
Plant, machinery and equipment23€10k€13k▲
Furniture and vehicles24€17k€12k▼
Other tangible fixed assets26€14k€12k▼
Financial fixed assets28€1k€2k▲
Current assets29/58€106k€187k▲
Stocks and contracts in progress3€8k€43k▲
Stocks30/36€8k€43k▲
Amounts receivable within one year40/41€69k€34k▼
Trade receivables40€61k€13k▼
Other amounts receivable41€8k€21k▲
Cash at bank and in hand54/58€23k€105k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€150k€225k▲
Equity10/15€80k€90k▲
Contributions10/11€19k€19k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€44k€54k▲
Amounts payable17/49€71k€135k▲
Amounts payable within one year42/48€71k€135k▲
Current portion of amounts payable after more than one year42€250€250=
Trade debts44€17k€81k▲
Suppliers440/4€17k€81k▲
Taxes, remuneration and social security45€19k€21k▲
Taxes450/3€9k€856▼
Remuneration and social security454/9€9k€20k▲
Other amounts payable47/48€34k€33k▼
Accrued charges and deferred income492/3€210-
Income statement
Code20242025
Remuneration, social security and pensions62€110k€103k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€2k€784▼
Gross operating margin9900€133k€132k▼
Operating profit (loss)9901€9k€15k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€10k€14k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€7k€10k▲
Profit (loss) for the period to be appropriated9905€7k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€54k▲
Profit (loss) brought forward from the previous period14P€37k€44k▲
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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 136 days late
16-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 501 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €10k ▲5.4%
Net result €10k, the highest in the series.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lierneux · 1 establishment unit since 2011
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.
Arbrefontaine,Ch. de St-Jacques 164990 Lierneux1 establishment unit
Arbrefontaine, L'Espinette 2, 4990 Lierneux
since 20112.204.906.109
Recognitions · licences · registrations
Recognised contractor
9 categoriesFG TOITURES SRL46425
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Of 8,560 companies in sector 43410 we hold annual accounts for 4,351. 3,791 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2011
Fiscal year end31-03
Activities, NACEBEL
43410Roofing work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0499/60.10.60