PAL TOITURES
ActiveThe computed 12-month bankruptcy probability of PAL TOITURES is 2.5% (moderate). The 2025 annual accounts show equity of €142k and a net result of €80k. Equity is growing by ~86.2% per year across the filed fiscal years. Its solvency ranks better than 43% of 27676 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
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+16
Solvency66▲+16
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 0.94 in 2024; short-term debt: 32% and cash: 27.1% of total assets), but 58.8% 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
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 →
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
41.2%
Return on assets
23.2%
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 25-08-2026, 25 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
25 d late
2024
29 d late
2023
2 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
€142k▲ 129%
2024 · €62k
2023: €35k
2024: €62k
2023 → 2025
Total assets
€345k▲ 38.4%
2024 · €249k
2023: €93k
2024: €249k
2023 → 2025
Net result
€80k▲ 200%
2024 · €27k
2023: €33k
2024: €27k
2023 → 2025
Working capital
€67k
2024 · €-4k
2023: €7k
2024: €-4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€35k-€62k▲ 75.8%€142k▲ 129%
Operating result€42k-€31k▼ 27.4%€106k▲ 244%
Net result€33k-€27k▼ 19.6%€80k▲ 200%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 244% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€167k▼ 8.8%
Current assets
€177k▲ 171%
Equity and liabilities €345k
Equity
€142k▲ 129%
Debt
€203k▲ 8.3%
The debt ratio falls from 75.1% to 58.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€164k▲
2024 · €59k
Cash flow
€138k▲
2024 · €55k
Solvency
41.2%▲
2024 · 24.9%
Current ratio
1.61▲
2024 · 0.94
Quick ratio
1.35▲
2024 · 0.58
Debt / equity
1.43▼
2024 · 3.02
ROE
56.4%▲
2024 · 43.1%
ROA
23.2%▲
2024 · 10.7%
Interest coverage
26.81▲
2024 · 13.69
Debt
€203k▲
2024 · €187k
Debt ≤ 1 year
€110k▲
2024 · €70k
Debt > 1 year
€92k▼
2024 · €117k
Income taxes
€20k
Staff costs
€80k▲
2024 · €63k
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€249k€345k▲
Fixed assets21/28€184k€167k▼
Tangible fixed assets22/27€182k€166k▼
Plant, machinery and equipment23€13k€26k▲
Furniture and vehicles24€5k€22k▲
Leasing and similar rights25€165k€117k▼
Financial fixed assets28€1k€1k=
Current assets29/58€65k€177k▲
Stocks and contracts in progress3€25k€28k▲
Stocks30/36€25k€28k▲
Amounts receivable within one year40/41€26k€54k▲
Trade receivables40€14€19k▲
Other amounts receivable41€26k€35k▲
Cash at bank and in hand54/58€11k€93k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€249k€345k▲
Equity10/15€62k€142k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€60k€140k▲
Amounts payable17/49€187k€203k▲
Amounts payable after more than one year17€117k€92k▼
Financial debts170/4€117k€92k▼
Amounts payable within one year42/48€70k€110k▲
Current portion of amounts payable after more than one year42€29k€78k▲
Trade debts44€20k€29k▲
Suppliers440/4€20k€29k▲
Advances received on contracts in progress46-€808
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€9k-
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€10k€221▼
Income statement
Code20242025
Remuneration, social security and pensions62€63k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€58k▲
Other operating charges640/8€150€409▲
Gross operating margin9900€122k€245k▲
Operating profit (loss)9901€31k€106k▲
Financial income75/76B€258€651▲
Recurring financial income75€258€651▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€27k€101k▲
Income taxes67/77-€20k
Profit (loss) for the period9904€27k€80k▲
Profit (loss) for the period to be appropriated9905€27k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€140k▲
Profit (loss) brought forward from the previous period14P€33k€60k▲
The notes to these accounts (7 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2023net €80k ▲200%
Operating result €106k, net result €80k, both a record.
31-12
Financial
Equity above €100kEq €142k ▲129%
3 profitable years in a row build equity to €142k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €27k ▼19.6%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 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, Yvoir · 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.
Fonds des Rivaux 165530 YvoirGround area
2,316 m²
Building footprint
167 m²
Volume, LiDAR
561 m³
2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAL TOITURES
since 20232.347.510.064
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91383B0062/00W000 | Wallonia | 1,710 m² | 1 · 84 m² | - |
| 93002C0302/00E000 | Wallonia | 606 m² | 1 · 83 m² | 8.3 m · 2 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.
Recognitions · licences · registrations
Recognised contractor
4 categoriesPAL TOITURES SRL44062
Similar companies · same sector, comparable size
PEREMANS MICHEL
BE 0442.857.161
Bonheiden · Eq €142k
Roof Concept
BE 0779.913.751
Namur · Eq €142k
MARANO V.G.S.
BE 0465.129.054
Lobbes · Eq €142k
DAKWERKEN VAN TONGERLOO
BE 0689.662.179
Nijlen · Eq €142k
AK TOITURES
BE 0797.338.812
Pont-à-Celles · Eq €142k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,765 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
16230Manufacture of other builders' carpentry and joinery
82990Other business support services
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.