MS TOITURE
ActiveThe computed 12-month bankruptcy probability of MS TOITURE is 3.1% (moderate). The 2025 annual accounts show equity of €117k and a net result of €-11k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 27711 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
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-41
Solvency100▲+6
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 2.59 in 2024; short-term debt: 20.6% and cash: 49.4% of total assets), and 20.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 →
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
20 d late
2023
29 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▼ 9.0%
2024 · €128k
2023: €70k
2024: €128k
2023 → 2025
Total assets
€147k▼ 20.5%
2024 · €185k
2023: €126k
2024: €185k
2023 → 2025
Net result
€-11k
2024 · €60k
2023: €45k
2024: €60k
2023 → 2025
Working capital
€96k▲ 6.7%
2024 · €90k
2023: €48k
2024: €90k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€70k-€128k▲ 81.8%€117k▼ 9.0%
Operating result€46k-€86k▲ 89.2%€-11k
Net result€45k-€60k▲ 32.5%€-11k
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 €11k after €86k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€21k▼ 45.6%
Current assets
€126k▼ 13.8%
Equity and liabilities €147k
Equity
€117k▼ 9.0%
Debt
€30k▼ 46.5%
The debt ratio falls from 30.6% to 20.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €100k
Cash flow
€6k▼
2024 · €74k
Solvency
79.4%▲
2024 · 69.4%
Current ratio
4.16▲
2024 · 2.59
Quick ratio
3.87▲
2024 · 2.59
Debt / equity
0.26▼
2024 · 0.44
ROE
-9.9%▼
2024 · 47.0%
ROA
-7.8%▼
2024 · 32.6%
Interest coverage
18.39▼
2024 · 377.15
Debt
€30k▼
2024 · €57k
Debt ≤ 1 year
€30k▼
2024 · €56k
Income taxes
€0▼
2024 · €26k
Staff costs
€44k▲
2024 · €28k
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€185k€147k▼
Fixed assets21/28€39k€21k▼
Tangible fixed assets22/27€38k€20k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€31k€15k▼
Financial fixed assets28€632€632=
Current assets29/58€146k€126k▼
Stocks and contracts in progress3-€9k
Stocks30/36-€9k
Amounts receivable within one year40/41€77k€44k▼
Trade receivables40€71k€18k▼
Other amounts receivable41€6k€26k▲
Cash at bank and in hand54/58€68k€73k▲
Deferred charges and accrued income490/1€1k€245▼
Equity and liabilities
Total equity and liabilities10/49€185k€147k▼
Equity10/15€128k€117k▼
Contributions10/11€25k€25k=
Reserves13€103k€103k=
Distributable reserves133€103k€103k=
Profit (loss) carried forward14-€-11k
Amounts payable17/49€57k€30k▼
Amounts payable within one year42/48€56k€30k▼
Trade debts44€24k€4k▼
Suppliers440/4€24k€4k▼
Taxes, remuneration and social security45€24k€26k▲
Taxes450/3€24k€24k=
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€8k€0▼
Accrued charges and deferred income492/3€64€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€28k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€18k▲
Other operating charges640/8€2k€912▼
Gross operating margin9900€130k€52k▼
Operating profit (loss)9901€86k€-11k▼
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€266€350▲
Recurring financial charges65€266€350▲
Profit (loss) for the period before taxes9903€86k€-11k▼
Income taxes67/77€26k€0▼
Profit (loss) for the period9904€60k€-11k▼
Profit (loss) for the period to be appropriated9905€60k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€-11k▼
Transfer to equity691/2€60k€0▼
To other reserves6921€60k€0▼
The notes to these accounts (11 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
25-03
State Gazette act
Registered officeGeneral meeting · Registered-office move · Power of attorney3 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move · Power of attorney3 facts ▸
- General meeting, 09/03/2026
- Registered-office move, Voie du Puits 4, 4682 Oupeye
- Power of attorney, AGENDO SRL
2025
31-12
Financial
Weakest financial yearnet €-11k ▼119%
Net result drops to €-11k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Highest result since 2023net €60k ▲32.5%
Operating result €86k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €128k ▲81.8%
2 profitable years in a row build equity to €128k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oupeye · 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.
Voie du Puits 44682 OupeyeGround area
728 m²
Building footprint
175 m²
Volume, LiDAR
942 m³
2 parcels, Wallonia · tallest building 11.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MS TOITURE SRL
since 20232.348.906.171
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62057B0891/00R000 | Wallonia | 594 m² | 1 · 130 m² | 4.9 m · 1 fl. |
| 62815C0144/00F003 | Wallonia | 135 m² | 1 · 45 m² | 11.8 m · 4 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.
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DODION & FILS
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HADITHI GROUP
BE 0764.368.908
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LUYKX PETRA
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,797 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.