PM Toiture
ActiveSummary
PM Toiture has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €44k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+6
Solvency78▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.34 in 2024; short-term debt: 37.9% and cash: 14.6% of total assets), and 47.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
52.6%
Return on assets
18%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €128k
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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
20 d late
2023
30 d late
2022
30 d late
2021
17 d early
2020
87 d late
2019
21 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€128k▲ 52.1%
2024 · €84k
2018: €-1k
2019: €-2k
2020: €-2k
2021: €-2k
2022: €20k
2023: €60k
2024: €84k
2018 → 2025
Total assets
€244k▲ 31.7%
2024 · €185k
2018: €5k
2022: €160k
2023: €191k
2024: €185k
2018 → 2025
Net result
€44k▲ 78.6%
2024 · €25k
2018: €-7k
2019: €-441
2022: €22k
2023: €40k
2024: €25k
2018 → 2025
Working capital
€16k▼ 47.6%
2024 · €31k
2018: €1k
2022: €-56k
2023: €-13k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€20k€60k▲ 203%€84k▲ 41.2%€128k▲ 52.1%
Operating result€28k€55k▲ 95.4%€29k▼ 47.0%€55k▲ 87.5%
Net result€22k€40k▲ 85.4%€25k▼ 38.4%€44k▲ 78.6%
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 87% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €244k
Fixed assets
€135k ▲ 116%
Current assets
€108k ▼ 11.5%
Equity and liabilities €244k
Equity
€128k ▲ 52.1%
Debt
€115k ▲ 14.5%
Debt's share of the balance-sheet total falls from 54.5% to 47.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €67k
Cash flow
€67k▲
2024 · €63k
Current ratio
1.18▼
2024 · 1.34
Quick ratio
1.09▼
2024 · 1.22
Debt to equity
0.90▼
2024 · 1.20
ROE
34.3%▲
2024 · 29.2%
ROA
18.0%▲
2024 · 13.3%
Interest coverage
37.77▲
2024 · 33.53
Debt ≤ 1 year
€92k▲
2024 · €92k
Debt > 1 year
€23k▲
2024 · €9k
Income taxes
€12k▲
2024 · €6k
Staff costs
€138k▲
2024 · €127k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€185k€244k▲
Fixed assets21/28€62k€135k▲
Tangible fixed assets22/27€62k€135k▲
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€6k€13k▲
Furniture and vehicles24€52k€119k▲
Current assets29/58€122k€108k▼
Stocks and contracts in progress3€11k€8k▼
Stocks30/36€11k€8k▼
Amounts receivable within one year40/41€41k€11k▼
Trade receivables40€40k€6k▼
Other amounts receivable41€824€5k▲
Current investments50/53€60k€50k▼
Cash at bank and in hand54/58€9k€35k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€185k€244k▲
Equity10/15€84k€128k▲
Contributions10/11€6k€6k=
Reserves13€65k€108k▲
Distributable reserves133€65k€108k▲
Profit (loss) carried forward14€13k€13k=
Amounts payable17/49€101k€115k▲
Amounts payable after more than one year17€9k€23k▲
Financial debts170/4€9k€23k▲
Amounts payable within one year42/48€92k€92k▲
Current portion of amounts payable after more than one year42€15k€14k▼
Trade debts44€7k€20k▲
Suppliers440/4€7k€20k▲
Taxes, remuneration and social security45€18k€10k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€13k€8k▼
Other amounts payable47/48€52k€48k▼
Accrued charges and deferred income492/3€20€443▲
Income statement
Code20242025
Remuneration, social security and pensions62€127k€138k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€23k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€196k€218k▲
Operating profit (loss)9901€29k€55k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€31k€56k▲
Income taxes67/77€6k€12k▲
Profit (loss) for the period9904€25k€44k▲
Profit (loss) for the period to be appropriated9905€25k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€57k▲
Profit (loss) brought forward from the previous period14P€13k€13k=
Transfer to equity691/2€25k€44k▲
To other reserves6921€25k€44k▲
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €44k ▲78.6%
Net result €44k, the highest in the series.
31-12
Financial
Equity above €100kEq €128k ▲52.1%
4 profitable years in a row build equity to €128k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jalhay · 1 establishment unit since 2022
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.
Route du Sarpay(Sart) 284845 JalhayGround area
1,531 m²
Building footprint
198 m²
Volume, LiDAR
1,158 m³
Parcel 63068A0928/00W012, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PM TOITURE
since 20222.326.367.034
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068A0928/00W012 | Wallonia | 1,531 m² | 1 · 198 m² | 7.8 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
ALGEMENE SCHRIJNWERKERIJ OEYEN
BE 0875.087.478
Ternat · Eq €127,950
PLATTEEUW PATRICK
BE 0478.912.853
Staden · Eq €128,389
T-service
BE 0795.090.687
Sint-Niklaas · Eq €127,870
Jan Francis
BE 0704.721.529
Zwalm · Eq €128,546
Van Kerkhoven Algemene Schrijnwerkerij
BE 0700.781.844
Huldenberg · Eq €130,002
Of 1,599 companies in sector 16230 we hold annual accounts for 783. 632 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2015
Fiscal year end31-12
Activities, NACEBEL 2025
16230Manufacture of other builders' carpentry and joinery
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.