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S.B. TOITURES

Active
Private limited companyfounded 1997active for 29 yearsRue Jean-Haust 127-1, 4000 Liège, BelgiumKBO/BCE: BE 0460.140.086
Summary

S.B. TOITURES has been active since 1997 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185,375 and a net result of €1,203. Equity remains stable across the filed financial years (±0.3% per year). Its solvency ranks better than 92% of 34,747 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
S.B. TOITURESActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Roofing work
NACE 43410
1 site
Size
≈ €270,000turnover 2025, estimated
Staff
≈ 0.4 FTE, estimated
Equity
€185,375
Profit
€1,203
Turnover estimated from the gross margin
Financial health
95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
2025 accounts filed 31 days late1 of 2 deeds summarised
Why 95raises riskLast filed accounts filed 31 days late; 1 of the last 3 latelowers riskLiquidity: current ratio 12.89, cash €67,967Founded in 1997Equity €185,375 (88.0% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 63% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 88.0% of total assets
Liquidity 90-7
short-term debt 4.7% · cash 32.3%
Profitability 69=
return on assets 0.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,658 companies, NACE 43, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025 08-2025: 0.4%▲ +0.1 percentage points vs 07-2025highest value 09-2025: 0.1%▼ -0.3 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: 0.1%▲ +0.1 percentage points vs 04-2026 06-2026: < 0.1%▼ -0.1 percentage points vs 05-2026 07-2026: 0.1%▲ +0.1 percentage points vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €17,000 on 30-day terms is acceptable
Liquidity ample (current ratio 12.89, compared with 8.87 in 2024, above the usual 1.5; short-term debt: 4.7% and cash: 32.3% of total assets), and 12% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 90% on solvency, 88% on liquidity, 36% on profitability and 37% on growth.

The bankruptcy probability was computed on 28-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 12.89, cash €67,967
NBB · annual accounts
lowers risk · Founded in 1997
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Equity €185,375 (88.0% of total assets)
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 late
NBB · filings
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
5 days late
2023
2 days early
2022
22 days late
2021
12 days late
2020
30 days late
2019
19 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 17 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Liquidity doublescurrent ratio 8.87

Key points

  • Positive: Among the best 9% on solvencysector median 46.8% · 34,747 companies 88.0% View
  • Board2 directors in office 2 View
  • Active since 1997founded 06-03-1997 29 years View

By topic

Financials

Financial year
2025
Total assets
€210,566
Profit
€1,203
Solvency
88.0%
Go to Financials

Timeline

Events
33
Since
1998
Next accounts
by 31-07-2027
  1. 29-07-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 12-12-2023Registered office · Legal-form change · Resignations…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Roofing workNACE 43410
Founded
06-03-1997
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about S.B. TOITURES

What is the company number of S.B. TOITURES?
0460.140.086. In Belgium the VAT number is the company number with BE in front: BE 0460.140.086.
Where is S.B. TOITURES based?
The registered office is at Rue Jean-Haust 127-1, 4000 Liège.Company details
What does S.B. TOITURES do?
According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of S.B. TOITURES?
Private limited company (BV).
When was S.B. TOITURES founded?
On 06-03-1997.
Is S.B. TOITURES still active?
Yes, S.B. TOITURES is an active enterprise in the KBO register.
How many employees does S.B. TOITURES have?
On average 2.8 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of S.B. TOITURES?
€256,458 in financial year 2018, according to the filed annual accounts.
Is S.B. TOITURES profitable?
In financial year 2025, S.B. TOITURES made a profit of €1,203.
Where can I find the annual accounts of S.B. TOITURES?
S.B. TOITURES filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S.B. TOITURES due?
By 31-07-2027, for financial year 2026.Timeline

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