M B TOITURES SA
ActiveThe computed 12-month bankruptcy probability of M B TOITURES SA is 2.6% (moderate). The 2025 annual accounts show equity of €97k and a net result of €-2k. Its solvency ranks better than 37% of 7760 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-53
Solvency59▼-28
Growth32
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.58 in 2024; short-term debt: 34.9% and cash: 35.3% of total assets), and 66.3% of the assets are financed with debt.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
33.7%
Return on assets
-0.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 2 filingsDeviation from the deadline
2025
20 d late
2024
20 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€97k▼ 2.0%
2024 · €99k
2024: €99k
2024 → 2025
Total assets
€289k▲ 81.3%
2024 · €159k
2024: €159k
2024 → 2025
Net result
€-2k
2024 · €38k
2024: €38k
2024 → 2025
Working capital
€26k▼ 25.8%
2024 · €35k
2024: €35k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€99k-€97k▼ 2.0%
Operating result€44k-€-1k
Net result€38k-€-2k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €44k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289k
Fixed assets
€162k▲ 151%
Current assets
€126k▲ 33.7%
Equity and liabilities €289k
Equity
€97k▼ 2.0%
Debt
€191k▲ 220%
The debt ratio rises from 37.6% to 66.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▼
2024 · €50k
Cash flow
€12k▼
2024 · €45k
Solvency
33.7%▼
2024 · 62.4%
Current ratio
1.26▼
2024 · 1.58
Quick ratio
1.19▼
2024 · 1.58
Debt / equity
1.96▲
2024 · 0.60
ROE
-2.1%▼
2024 · 38.2%
ROA
-0.7%▼
2024 · 23.8%
Interest coverage
3.36▼
2024 · 218.18
Debt
€191k▲
2024 · €60k
Debt ≤ 1 year
€101k▲
2024 · €60k
Debt > 1 year
€91k
Staff costs
€129k▲
2024 · €103k
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€159k€289k▲
Fixed assets21/28€65k€162k▲
Tangible fixed assets22/27€65k€162k▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€46k€146k▲
Other tangible fixed assets26€10k€10k▼
Current assets29/58€94k€126k▲
Stocks and contracts in progress3-€7k
Stocks30/36-€7k
Amounts receivable within one year40/41€28k€7k▼
Trade receivables40€28k€7k▼
Other amounts receivable41-€291
Cash at bank and in hand54/58€55k€102k▲
Deferred charges and accrued income490/1€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€159k€289k▲
Equity10/15€99k€97k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Profit (loss) carried forward14€38k€36k▼
Amounts payable17/49€60k€191k▲
Amounts payable after more than one year17-€91k
Financial debts170/4-€91k
Amounts payable within one year42/48€60k€101k▲
Current portion of amounts payable after more than one year42-€15k
Trade debts44€19k€24k▲
Suppliers440/4€19k€24k▲
Advances received on contracts in progress46€2k€650▼
Taxes, remuneration and social security45€37k€9k▼
Taxes450/3€10k€9k▼
Remuneration and social security454/9€28k€131▼
Other amounts payable47/48€2k€53k▲
Income statement
Code20242025
Remuneration, social security and pensions62€103k€129k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€14k▲
Other operating charges640/8€204€4k▲
Gross operating margin9900€153k€145k▼
Operating profit (loss)9901€44k€-1k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€231€4k▲
Recurring financial charges65€231€4k▲
Profit (loss) for the period before taxes9903€46k€-2k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€38k€-2k▼
Profit (loss) for the period to be appropriated9905€38k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€36k▼
Profit (loss) brought forward from the previous period14P-€38k
The notes to these accounts (5 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Froidchapelle · 1 establishment unit since 2023
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.
Rue du Général Galet(ERP) 696441 FroidchapelleGround area
3,116 m²
Building footprint
101 m²
Parcel 56021A0324/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Général Galet(ERP) 69, 6441 Froidchapelle
since 20232.349.510.145
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56021A0324/00R000 | Wallonia | 3,116 m² | 1 · 101 m² | - |
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
GE TopElec-Toit
BE 0748.623.927
Gent · Eq €97k
Dermaut - Vanhees
BE 0662.395.578
Kalmthout · Eq €97k
Dakwerken Mertens Sonny
BE 0693.932.654
Asse · Eq €97k
GREG TOITURES
BE 0799.541.207
Faimes · Eq €97k
DTRoof
BE 1002.699.193
Wervik · Eq €97k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 3,804 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-08-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
16230Manufacture of other builders' carpentry and joinery
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43421Specialised construction activities
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.