SERVICES TOITURES
ActiveThe file of SERVICES TOITURES contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 3.6% (moderate). The 2025 annual accounts show equity of €9,375 and a net result of €8,228. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 28806 sector peers (fiscal year 2025).
Checked score
Score 2025
Axes · tick = 2023
Profitability77▲+5
Solvency33▲+1
Growth24▼-30
Track record85
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.96 against 1.04 in 2023; short-term debt: 92.2% and cash: 4.9% of total assets), and 92.2% of the assets are financed with debt.
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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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
7.8%
Return on assets
6.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 28806 sector peers (2025).
NBB · sector comparisonPosition among 28806 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2023
26 d early
2022
199 d late
2021
120 d late
2020
164 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 85 days after the deadline; the sector median for financial year 2023 is 1 day before the deadline, and 44% of the sector filed late.
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. Usually files around 28 November (4 of the last 5 filed years within 145 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€1.0m▲ 3.2%
2021 · €992,242
EBIT margin
-4.4%▼ 14.3pp
2021 · 9.9%
Net result
€8,228▼ 74.8%
2023 · €32,677
Working capital
-€4,284
2023 · €41,205
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232025
Turnover€1.2m-€992,242▼ 17.9%€1.0m▲ 3.2%
Operating result€17,688-€98,137▲ 455%-€44,769€40,240€16,486-
Net result€14,577within the sector's middle half-€79,583within the sector's middle half▲ 446%-€46,229below the sector's middle half€32,677above the sector's middle half€8,228within the sector's middle half-
EBIT margin1.5%-9.9%▲ 8.4pp-4.4%▼ 14.3pp
Equity€15,877below the sector's middle half-€95,459within the sector's middle half▲ 501%€49,230below the sector's middle half▼ 48.4%€81,907within the sector's middle half▲ 66.4%€9,375below the sector's middle half-
Total assets€332,699above the sector's middle half-€529,645within the sector's middle half▲ 59.2%€920,820within the sector's middle half▲ 73.9%€1.2mabove the sector's middle half▲ 27.8%€120,841within the sector's middle half-
Debt€316,822-€434,186▲ 37.0%€871,590▲ 101%€1.1m▲ 25.6%€111,465-
Working capital-€93,928below the sector's middle half-€30,583within the sector's middle half€4,564below the sector's middle half▼ 85.1%€41,205within the sector's middle half▲ 803%-€4,284below the sector's middle half-
Solvency4.8%below the sector's middle half-18.0%below the sector's middle half▲ 13.3pp5.3%below the sector's middle half▼ 12.7pp7.0%below the sector's middle half▲ 1.6pp7.8%below the sector's middle half-
Current ratio0.70below the sector's middle half-1.07below the sector's middle half▲ 0.371.01below the sector's middle half▼ 0.071.04below the sector's middle half▲ 0.030.96below the sector's middle half-
Return on assets (ROA)4.4%within the sector's middle half-15.0%above the sector's middle half▲ 10.6pp-5.0%below the sector's middle half▼ 20.0pp2.8%within the sector's middle half▲ 7.8pp6.8%within the sector's middle half-
Staff (FTE)3above the sector's middle half-5.8within the sector's middle half5.6▼ 3.4%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Staff figure corrected
- 2021 Left out: filed figure impossible (63,061.1). The filed figure means under EUR 100 of staff costs per FTE.
Result per fiscal year
Operating resultNet result
The operating result is €16,486 in 2025, compared with €40,240 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €120,841
Fixed assets
€13,660 ▼ 66.8%
Current assets
€107,181 ▼ 90.6%
Equity and liabilities €120,841
Equity
€9,375 ▼ 88.6%
Debt
€111,465 ▼ 89.8%
Debt's share of the balance-sheet total falls from 93.0% to 92.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€23,804▼
2023 · €65,485
Cash flow
€15,545▼
2023 · €57,922
Debt to equity
11.89▼
2023 · 13.37
ROE
87.8%▲
2023 · 39.9%
Interest coverage
31.52▲
2023 · 13.96
Debt ≤ 1 year
€111,465▼
2023 · €1.1m
Income taxes
€8,507▲
2023 · €5,762
Staff costs
€13,108▼
2023 · €153,586
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
For this company itself Checked computes a higher bankruptcy probability: 3.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,153 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €1.2m | €992,242 | €1.0m | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €800,139 | €860,103 | - | - | - |
| Remuneration, social security and pensions62 | - | €63,061 | €171,561 | €153,586 | €13,108 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €20,211 | €20,211 | €25,245 | €7,318 | - |
| Other operating charges640/8 | - | €6,226 | €18,473 | €2,520 | €1,113 | - |
| Non-recurring operating charges66A | - | €6,388 | €679 | - | - | - |
| Gross operating margin9900 | €17,688 | €194,023 | €166,156 | €221,591 | €38,024 | - |
| Operating profit (loss)9901 | €17,688 | €98,137 | -€44,769 | €40,240 | €16,486 | - |
| Financial income75/76B | - | €21,857 | €3,357 | €2,891 | €1,003 | - |
| Recurring financial income75 | €105 | €21,857 | €3,357 | €2,891 | €1,003 | - |
| Financial charges65/66B | - | €2,564 | €4,817 | €4,692 | €755 | - |
| Recurring financial charges65 | €3,216 | €2,564 | €4,817 | €4,692 | €755 | - |
| Profit (loss) for the period before taxes9903 | €14,577 | €117,429 | -€46,229 | €38,439 | €16,734 | - |
| Income taxes67/77 | - | €37,847 | - | €5,762 | €8,507 | - |
| Profit (loss) for the period9904 | €14,577 | €79,583 | -€46,229 | €32,677 | €8,228 | - |
| Profit (loss) for the period to be appropriated9905 | €14,577 | €79,583 | -€46,229 | €32,677 | €8,228 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €332,699 | €529,645 | €920,820 | €1.2m | €120,841 | - |
| Fixed assets21/28 | €109,805 | €65,306 | €45,095 | €41,131 | €13,660 | - |
| Intangible fixed assets21 | - | - | €0 | - | - | - |
| Tangible fixed assets22/27 | €105,286 | €63,787 | €43,576 | €39,612 | €9,616 | - |
| Plant, machinery and equipment23 | - | €10,413 | €6,942 | €3,471 | €2,206 | - |
| Furniture and vehicles24 | - | €53,373 | €36,633 | €36,141 | €7,410 | - |
| Financial fixed assets28 | €4,519 | €1,519 | €1,519 | €1,519 | €4,044 | - |
| Current assets29/58 | €222,894 | €464,339 | €875,725 | €1.1m | €107,181 | - |
| Amounts receivable within one year40/41 | €206,942 | €447,368 | €773,753 | €1.1m | €101,219 | - |
| Trade receivables40 | - | €408,737 | €753,602 | €997,941 | €89,888 | - |
| Other amounts receivable41 | - | €38,631 | €20,151 | €74,761 | €11,331 | - |
| Cash at bank and in hand54/58 | €15,272 | €9,227 | €41,057 | €2,309 | €5,962 | - |
| Deferred charges and accrued income490/1 | - | €7,744 | €60,915 | €60,713 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €332,699 | €529,645 | €920,820 | €1.2m | €120,841 | - |
| Equity10/15 | €15,877 | €95,459 | €49,230 | €81,907 | €9,375 | - |
| Contributions10/11 | €1,300 | €1,300 | €1,300 | €1,300 | €1,300 | - |
| Profit (loss) carried forward14 | €14,577 | €94,159 | €47,930 | €80,607 | €8,075 | - |
| Amounts payable17/49 | €316,822 | €434,186 | €871,590 | €1.1m | €111,465 | - |
| Amounts payable within one year42/48 | €316,822 | €433,757 | €871,161 | €1.1m | €111,465 | - |
| Trade debts44 | €226,683 | €289,847 | €641,677 | €882,301 | €21,866 | - |
| Suppliers440/4 | - | €289,847 | €641,677 | €882,301 | €21,866 | - |
| Advances received on contracts in progress46 | - | €61,561 | €131,041 | €131,041 | - | - |
| Taxes, remuneration and social security45 | - | €82,349 | €98,443 | €80,723 | €86,836 | - |
| Taxes450/3 | - | €62,872 | €65,684 | €70,415 | €67,428 | - |
| Remuneration and social security454/9 | - | €19,477 | €32,760 | €10,308 | €19,408 | - |
| Other amounts payable47/48 | - | - | - | €454 | €2,763 | - |
| Accrued charges and deferred income492/3 | - | €429 | €429 | €429 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,577 | €79,583 | -€46,229 | €32,677 | €8,228 | - |
| + Depreciation and write-downs630 | - | €20,211 | €20,211 | €25,245 | €7,318 | - |
| Operating cash flow (approximation) | €14,577 | €99,794 | -€26,018 | €57,922 | €15,545 | - |
| Investment in fixed assets (approximation) | - | €24,288 | €0 | -€21,281 | - | - |
| Change in cash | - | -€6,045 | €31,830 | -€38,748 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
01-08
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Brussel · event 26-07-2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
18-06
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · event 11-06-2024
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 199 days late
2023
31-12
Financial
Back to profitnet €32,677
Net result €32,677 after one loss-making year.
2022
31-12
Financial
Weakest financial yearnet -€46,229
Net result drops to -€46,229, the lowest in the series; recovery starts the following year.
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 120 days late
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 164 days late
2021
31-12
Financial
Highest result since 2020net €79,583 ▲446%
Operating result €98,137, net result €79,583, both a record.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 7 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 2019
Ground area
1,811 m²
Building footprint
1,192 m²
Volume, LiDAR
7,349 m³
2 parcels, Brussels · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
313
companies at this address
See who is registered here
1 establishment unit
Sint-Denijsplein 134-136, 1190 Vorst
since 20192.293.370.208
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0126/00A002 | Brussels | 1,616 m² | 1 · 1,089 m² | 12.7 m · 2 fl. |
| 21382C0096/00Z000indicative | Brussels | 195 m² | 1 · 103 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | JAN DELEN Desguinlei 100 Bus 4, 2018 Antwerpen 1 |
11-06-2024 → 26-07-2024 |
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Of 8,568 companies in this sector we hold annual accounts for 4,372. 2,220 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded05-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43230Insulation installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0727796047
Also
9925:BE0727796047
Registered
31-10-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.