IMMO TOYE
ActiveIMMO TOYE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €963k and a net result of €295k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 9088 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 1.74 in 2024), and 24.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.5%
Return on assets
23.2%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 03-10-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
69 d early
2023
50 d early
2022
2 d early
2021
3 d early
2020
3 d early
2019
6 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 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€963k▲ 44.2%
2024 · €668k
2019: €154k
2020: €275k
2021: €409k
2022: €402k
2023: €487k
2024: €668k
2019 → 2025
Total assets
€1.28M▼ 8.1%
2024 · €1.39M
2019: €351k
2020: €462k
2021: €679k
2022: €626k
2023: €881k
2024: €1.39M
2019 → 2025
Net result
€295k▼ 46.9%
2024 · €556k
2019: €47k
2020: €121k
2021: €165k
2022: €-7k
2023: €220k
2024: €556k
2019 → 2025
Working capital
€837k▲ 69.0%
2024 · €495k
2019: €-106k
2020: €-42k
2021: €178k
2022: €102k
2023: €251k
2024: €495k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€409k-€402k▼ 1.6%€487k▲ 21.2%€668k▲ 37.0%€963k▲ 44.2%
Operating result€209k-€-5k€247k€623k▲ 152%€404k▼ 35.1%
Net result€165k-€-7k€220k€556k▲ 152%€295k▼ 46.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€141k▼ 37.7%
Current assets
€1.13M▼ 2.3%
Equity and liabilities €1.28M
Equity
€963k▲ 44.2%
Debt
€313k▼ 56.6%
The debt ratio falls from 51.9% to 24.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€518k▼
2024 · €769k
Cash flow
€409k▼
2024 · €702k
Solvency
75.5%▲
2024 · 48.1%
Current ratio
3.81▲
2024 · 1.74
Quick ratio
3.81▲
2024 · 1.74
Debt / equity
0.32▼
2024 · 1.08
ROE
30.7%▼
2024 · 83.3%
ROA
23.2%▼
2024 · 40.1%
Interest coverage
368.54▼
2024 · 393.66
Debt
€313k▼
2024 · €720k
Debt ≤ 1 year
€298k▼
2024 · €666k
Debt > 1 year
€12k▼
2024 · €20k
Income taxes
€109k▲
2024 · €70k
Staff costs
€737k▲
2024 · €665k
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€1.39M€1.28M▼
Fixed assets21/28€226k€141k▼
Intangible fixed assets21€31k€10k▼
Tangible fixed assets22/27€186k€121k▼
Plant, machinery and equipment23€18k€13k▼
Furniture and vehicles24€81k€55k▼
Other tangible fixed assets26€86k€53k▼
Financial fixed assets28€10k€10k=
Current assets29/58€1.16M€1.13M▼
Amounts receivable within one year40/41€449k€663k▲
Trade receivables40€447k€578k▲
Other amounts receivable41€1k€85k▲
Current investments50/53€401k€880▼
Cash at bank and in hand54/58€286k€412k▲
Deferred charges and accrued income490/1€25k€59k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.28M▼
Equity10/15€668k€963k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133-€2k
Profit (loss) carried forward14€653k€949k▲
Amounts payable17/49€720k€313k▼
Amounts payable after more than one year17€20k€12k▼
Financial debts170/4€20k€12k▼
Amounts payable within one year42/48€666k€298k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€153k€175k▲
Suppliers440/4€153k€175k▲
Advances received on contracts in progress46€0€961▲
Taxes, remuneration and social security45€122k€106k▼
Taxes450/3€33k€4k▼
Remuneration and social security454/9€88k€102k▲
Other amounts payable47/48€384k€8k▼
Accrued charges and deferred income492/3€33k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€665k€737k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€146k€113k▼
Other operating charges640/8€4k€7k▲
Gross operating margin9900€1.44M€1.26M▼
Operating profit (loss)9901€623k€404k▼
Financial income75/76B€5k€1k▼
Recurring financial income75€5k€1k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€626k€404k▼
Income taxes67/77€70k€109k▲
Profit (loss) for the period9904€556k€295k▼
Profit (loss) for the period to be appropriated9905€556k€295k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.03M€949k▼
Profit (loss) brought forward from the previous period14P€473k€653k▲
Profit to be distributed694/7€376k€0▼
Directors or managers695€376k€0▼
Social balance
Average headcount (FTE)90878.38.6▲
The notes to these accounts (21 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
2025
03-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 3.81
Current ratio from 1.74 to 3.81; short-term debt falls from €666k to €298k.
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €556k ▲152%
Operating result €623k, net result €556k, both a record.
31-03
Financial
Equity above €500kEq €668k ▲37%
2 profitable years in a row build equity to €668k.
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €220k
Net result €220k after one loss-making year.
2022
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-7k ▼104%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 1.85
Current ratio from 0.62 to 1.85.
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €200kEq €275k ▲78.8%
2 profitable years in a row build equity to €275k.
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
12-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-01-2021
Gert Toye: Resigned as Director
31-12-2018
Toye Stephanie: Resigned as Manager
19-11-2013
Gert Toye: Resigned as Manager
19-11-2013
Erna De Groef: Resigned as Manager
Location & real-estate footprint
Registered office, Grimbergen · 3 establishment units since 2005
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.
Prinsenstraat 241850 GrimbergenGround area
797 m²
Building footprint
530 m²
Volume, LiDAR
2,233 m³
3 parcels, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
IMMO TOYE
since 20052.149.725.480
Immo Toye
since 20192.303.261.733
Immo Toye
since 20212.322.448.531
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0515/00Y000 | Flanders | 299 m² | 1 · 283 m² | - |
| 23402E0418/00R000 | Flanders | 271 m² | 1 · 114 m² | 13.5 m · 3 fl. |
| 23050G0133/00W000 | Flanders | 227 m² | 1 · 133 m² | 13.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
Futurn Cesar
BE 0839.605.868
Sint-Martens-Latem · Eq €963k
South Invest
BE 0776.636.042
Kontich · Eq €962k
DP CONSULTING
BE 0662.568.297
Zaventem · Eq €964k
VERREZEN
BE 0436.447.540
Mechelen · Eq €965k
Bonne Projects
BE 0643.716.249
Damme · Eq €965k
Of 11,702 companies in sector 68310 we hold annual accounts for 6,877. 3,788 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2005
Fiscal year end31-03
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.