GROUP TOROS
ActiveGROUP TOROS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €-6k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-36
Solvency93▲+5
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.14 against 2.72 in 2024; short-term debt: 31.9% and cash: 0.6% of total assets), and 31.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 41
Relative position
BE, all sectors
reference
Sector 41
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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 d early
2023
5 d early
2022
31 d early
2021
1 d early
2020
31 d early
2019
11 d early
← 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
€100k▼ 5.4%
2024 · €106k
2018: €139k
2019: €94k
2020: €83k
2021: €78k
2022: €78k
2023: €76k
2024: €106k
2018 → 2025
Total assets
€147k▼ 12.3%
2024 · €168k
2018: €149k
2019: €387k
2020: €383k
2021: €378k
2022: €372k
2023: €741k
2024: €168k
2018 → 2025
Net result
€-6k
2024 · €30k
2018: €1k
2019: €-45k
2020: €-10k
2021: €-5k
2022: €-440
2023: €-2k
2024: €30k
2018 → 2025
Working capital
€100k▼ 5.4%
2024 · €106k
2018: €139k
2019: €45k
2020: €20k
2021: €-357
2022: €-16k
2023: €-34k
2024: €106k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€78k▼ 0.6%€76k▼ 2.4%€106k▲ 39.5%€100k▼ 5.4%
Operating result€-5k-€-293▲ 94.0%€4k€47k▲ 1,221%€-5k
Net result€-5k-€-440▲ 91.3%€-2k▼ 325%€30k€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €47k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €147k
Equity
€100k▼ 5.4%
Debt
€47k▼ 24.0%
The debt ratio falls from 36.8% to 31.9%. Equity and debt are lower.
Key figures and ratios
Solvency
68.1%▲
2024 · 63.2%
Current ratio
3.14▲
2024 · 2.72
Quick ratio
3.14▲
2024 · 2.72
Debt / equity
0.47▼
2024 · 0.58
ROE
-5.8%▼
2024 · 28.3%
ROA
-3.9%▼
2024 · 17.9%
Debt
€47k▼
2024 · €62k
Debt ≤ 1 year
€47k▼
2024 · €62k
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€168k€147k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Land and buildings22€0-
Current assets29/58€168k€147k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€167k€146k▼
Trade receivables40€3k€3k=
Other amounts receivable41€164k€143k▼
Cash at bank and in hand54/58€1k€878▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€168k€147k▼
Equity10/15€106k€100k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€0▼
Other1319-€2k
Profit (loss) carried forward14€86k€80k▼
Amounts payable17/49€62k€47k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€62k€47k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€14k€0▼
Suppliers440/4€14k€0▼
Other amounts payable47/48€47k€47k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€178€3k▲
Gross operating margin9900€48k€-3k▼
Operating profit (loss)9901€47k€-5k▼
Financial charges65/66B€17k€567▼
Recurring financial charges65€17k€567▼
Profit (loss) for the period before taxes9903€30k€-6k▼
Profit (loss) for the period9904€30k€-6k▼
Profit (loss) for the period to be appropriated9905€30k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€86k€80k▼
Profit (loss) brought forward from the previous period14P€56k€86k▲
The notes to these accounts (1 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €30k
Net result €30k after 5 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.72
Current ratio from 0.93 to 2.72; short-term debt falls from €462k to €62k.
31-12
Financial
Equity above €100kEq €106k ▲39.5%
Equity rises from €76k to €106k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-45k ▼3350%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Houthalen-Helchteren · 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.
Hortelstraat 223530 Houthalen-HelchterenGround area
1,613 m²
Building footprint
442 m²
Volume, LiDAR
1,944 m³
2 parcels, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Group Toros
since 20112.216.124.653
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72015A0350/00B000 | Flanders | 876 m² | 1 · 211 m² | 2.0 m |
| 72015A0329/00S000 | Flanders | 737 m² | 1 · 231 m² | 11.5 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.
Similar companies · same sector, comparable size
FRANIVER
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PRESTIGE CONSTRUCT
BE 0805.229.860
Koekelberg · Eq €100k
DBS CONSTRUCT
BE 1001.025.746
Sint-Pieters-Leeuw · Eq €100k
BOUWWERKEN VAN LOON
BE 0885.558.035
Beerse · Eq €100k
VANDEBUERIE DIDIER
BE 0862.448.279
Harelbeke · Eq €100k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,129 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-12-2011
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.