HOMBERT TOITURES
ActiveThe computed 12-month bankruptcy probability of HOMBERT TOITURES is 1.8% (moderate). The 2025 annual accounts show negative equity (€-14k) and a net result of €-2k. Equity is shrinking by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 27451 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-6
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.79 against 1.42 in 2024; short-term debt: 21.2% and cash: 10.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 →
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 2025Solvency, return and age of the figures
Solvency
-71.6%
Return on assets
-10.7%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-14k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
41 d late
2023
40 d late
2022
31 d late
2021
25 d late
2020
31 d late
2019
122 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-14k▼ 17.7%
2024 · €-12k
2018: €28k
2019: €9k
2020: €4k
2021: €-3k
2022: €-19k
2023: €-9k
2024: €-12k
2018 → 2025
Total assets
€19k▼ 3.5%
2024 · €20k
2018: €168k
2019: €113k
2020: €93k
2021: €54k
2022: €43k
2023: €28k
2024: €20k
2018 → 2025
Net result
€-2k▲ 3.0%
2024 · €-2k
2018: €49k
2019: €-19k
2020: €-5k
2021: €-8k
2022: €-16k
2023: €10k
2024: €-2k
2018 → 2025
Working capital
€-844
2024 · €2k
2018: €37k
2019: €-662
2020: €3k
2021: €-7k
2022: €-18k
2023: €423
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€-19k▼ 499%€-9k▲ 50.5%€-12k▼ 22.3%€-14k▼ 17.7%
Operating result€-7k-€-15k▼ 116%€11k€-1k€-2k▼ 16.9%
Net result€-8k-€-16k▼ 110%€10k€-2k€-2k▲ 3.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €1k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€16k▲ 39.6%
Current assets
€3k▼ 61.8%
Key figures and ratios
EBITDA
€134▼
2024 · €730
Cash flow
€-402▼
2024 · €-88
Solvency
-71.6%▼
2024 · -58.7%
Current ratio
0.79▼
2024 · 1.42
Quick ratio
0.79▼
2024 · 1.42
Debt / equity
-2.40▲
2024 · -2.70
ROA
-10.7%▼
2024 · -10.7%
Interest coverage
0.25▼
2024 · 0.89
Debt
€33k▲
2024 · €31k
Debt ≤ 1 year
€4k▼
2024 · €6k
Debt > 1 year
€28k▲
2024 · €25k
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€20k€19k▼
Fixed assets21/28€11k€16k▲
Tangible fixed assets22/27€11k€16k▲
Furniture and vehicles24-€6k
Other tangible fixed assets26€11k€10k▼
Financial fixed assets28€115€24▼
Current assets29/58€8k€3k▼
Amounts receivable within one year40/41€5k€108▼
Trade receivables40€5k-
Other amounts receivable41€11€108▲
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€817€1k▲
Equity and liabilities
Total equity and liabilities10/49€20k€19k▼
Equity10/15€-12k€-14k▼
Contributions10/11€14k€14k=
Profit (loss) carried forward14€-26k€-28k▼
Amounts payable17/49€31k€33k▲
Amounts payable after more than one year17€25k€28k▲
Financial debts170/4€8k€7k▼
Other amounts payable178/9€17k€22k▲
Amounts payable within one year42/48€6k€4k▼
Current portion of amounts payable after more than one year42€3k€2k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€266€1▼
Taxes450/3€266€1▼
Accrued charges and deferred income492/3-€11
Income statement
Code20242025
Remuneration, social security and pensions62€-337-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€648€642▼
Gross operating margin9900€1k€776▼
Operating profit (loss)9901€-1k€-2k▼
Financial charges65/66B€818€536▼
Recurring financial charges65€818€536▼
Profit (loss) for the period before taxes9903€-2k€-2k▲
Profit (loss) for the period9904€-2k€-2k▲
Profit (loss) for the period to be appropriated9905€-2k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-28k▼
Profit (loss) brought forward from the previous period14P€-24k€-26k▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €-19k ▼138%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 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, Ferrières · 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.
Sur le Mont 44190 FerrièresGround area
383 m²
Building footprint
190 m²
Volume, LiDAR
1,107 m³
Parcel 61313A0432/00K000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sur le Mont 4, 4190 Ferrières
since 20122.235.523.168
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61313A0432/00K000 | Wallonia | 383 m² | 1 · 190 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
ENTREPRISE GENERALE DE TOITURE (E.G.T)
BE 0479.342.128
Liège · Eq €4k
MKL DAKWERKEN
BE 1002.688.901
Heusden-Zolder · Eq €4k
2N TOITURE
BE 1013.341.182
Neufchâteau · Eq €4k
INTERIEUR & RENOVATIE BC
BE 1006.739.739
Genk · Eq €4k
DAKWERKEN BART MARCHAND
BE 0782.270.257
Kortemark · Eq €4k
Of 8,560 companies in sector 43410 we hold annual accounts for 4,351. 1,320 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2012
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.