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HC TOITURE

Active
Private limited companyfounded 2021active for 5 yearsRue de Miniaux(H) 20, 7301 Boussu, BelgiumKBO/BCE: BE 0770.646.984

From the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

HC TOITURE has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,296 and a net result of €34,073. Equity has been growing by about 85% per year since 2022. Its solvency ranks better than 60% of 9,883 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Official details

KBO
Status
Active since 02-07-2021 Normal situation
Activity
Roofing work NACE 43410and 2 others
Establishment unit
2.319.517.052 7301 Boussu, since 02-07-2021
Financial year end
31 December
Peppol
Reachable since 27-11-2025

Board and ownership

Board
  • Bourlard VickyDirector
  • Honorez ChristopherDirector

Financial position

70 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Annual accounts 2025
Gross margin
€225,471
▲ 65.3%
Turnover
≈ €760,000
estimated
Profit
€34,073
▲ 95.9%
Equity
€69,296
▲ 96.7%
Total assets
€131,938
▲ 78.3%
Staff
3.6 FTE
▲ 80.0%
Filed on 14-09-2026, 45 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 45 days late; 3 of the last 3 accounts lateSize: 3.6 FTE, total assets €131,938Founded in 2021lowers riskLiquidity: current ratio 3.58, cash €31,213Show the evidence

Checked score

Score 2025
70 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 79% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Strong
Solvency 78+5
equity 52.5% of total assets
Liquidity 76+1
short-term debt 16.3% · cash 23.7%
Profitability 100+2
return on assets 25.8%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,675 companies, NACE 43, micro)
Last 24 months 11-2024: 4.4% 12-2024: 5.4%▲ +1.0 percentage point vs 11-2024 01-2025: 6.5%▲ +1.1 percentage points vs 12-2024highest value 02-2025: 6.5%● unchanged vs 01-2025highest value 03-2025: 4.4%▼ -2.1 percentage points vs 02-2025 04-2025: 4.4%● unchanged vs 03-2025 05-2025: 4.5%▲ +0.1 percentage points vs 04-2025 06-2025: 4.3%▼ -0.2 percentage points vs 05-2025 07-2025: 4.1%▼ -0.2 percentage points vs 06-2025 08-2025: 5.0%▲ +0.9 percentage points vs 07-2025 09-2025: 5.5%▲ +0.5 percentage points vs 08-2025 10-2025: 1.1%▼ -4.4 percentage points vs 09-2025 11-2025: 1.1%● unchanged vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.1%● unchanged vs 12-2025 02-2026: 1.1%● unchanged vs 01-2026 03-2026: 1.1%● unchanged vs 02-2026 04-2026: 1.1%● unchanged vs 03-2026 05-2026: 1.1%● unchanged vs 04-2026 06-2026: 1.2%▲ +0.1 percentage points vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026 08-2026: 1.8%▲ +0.6 percentage points vs 07-2026 09-2026: 2.0%▲ +0.2 percentage points vs 08-2026 10-2026: 0.8%▼ -1.2 percentage points vs 09-2026lowest value
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.58 (2.57 in 2024), above the usual 1.5. Short-term debt is 16.3% and cash 23.7% of total assets. 47.5% 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 57% of them on solvency, 74% on liquidity, 92% on profitability and 91% on growth.

The bankruptcy probability was computed on 31-10-2026 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
lowers risk · Liquidity: current ratio 3.58, cash €31,213
NBB · annual accounts
raises risk · Last filed accounts filed 45 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Size: 3.6 FTE, total assets €131,938
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2025 accounts filed 45 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filings
Deviation from the deadline
2025
45 days late
2024
54 days late
2023
194 days late
2022
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 81 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 September (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Comparable companies

These companies have the same main activity as HC TOITURE: roofing work (NACE 43410). They are comparable in size and age: total assets between €113,000 and €267,000, founded between 2015 and 2022.

CompanyTotal assetsGross margin
HC TOITURE Boussu€131,938€225,471
LUCENTE TOITURES Flémalle€112,982€141,413
HOUTCONSTRUCTIES HERMANS Zutendaal€212,959€174,860
id-toit Gesves€209,737€161,135
B.R. TOITURE Jemeppe-sur-Sambre€266,633€230,843
TOITURE DOUMONT-BOITTE Ath€136,226€205,629
NEW-TOM Genappe€154,163€218,696
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about HC TOITURE

What is the company number of HC TOITURE?
The company number of HC TOITURE is 0770.646.984. The VAT number is the same number with BE in front: BE 0770.646.984.
Where is HC TOITURE based?
The registered office is at Rue de Miniaux(H) 20, 7301 Boussu.Company details
What does HC TOITURE do?
According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of HC TOITURE?
The legal form of HC TOITURE is Private limited company (BV).
When was HC TOITURE founded?
HC TOITURE was founded on 02-07-2021.
Is HC TOITURE still active?
Yes, HC TOITURE is an active enterprise in the KBO register.
How many employees does HC TOITURE have?
HC TOITURE had an average of 3.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of HC TOITURE?
The turnover in financial year 2025 is ≈ €760,000. This figure is estimated from the gross margin of €225,471 and 119 comparable companies (NACE 43). It probably lies between €530,000 and €1.3m.
Is HC TOITURE profitable?
In financial year 2025, HC TOITURE made a profit of €34,073.
Where can I find the annual accounts of HC TOITURE?
HC TOITURE filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of HC TOITURE due?
HC TOITURE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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