SP TOITURES
ActiveSummary
The computed 12-month bankruptcy probability of SP TOITURES is 2.6% (moderate). The 2024 annual accounts show equity of €205k and a net result of €61k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 3549 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability89▼-11
Solvency79▼-8
Growth52=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 4.1 in 2023; short-term debt: 33.8% and cash: 80.4% of total assets), and 45.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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
not confirmed
2024
22 d late
2023
7 d early
2022
16 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€0
EBIT margin
Not included in this filing
Net result
€61k▼ 26.8%
2023 · €83k
2022: €141k
2023: €83k
2022 → 2024
Working capital
€217k▲ 4.9%
2023 · €207k
2022: €140k
2023: €207k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€0
Equity€151k-€204k▲ 35.3%€205k▲ 0.4%
Operating result€184k-€113k▼ 38.3%€85k▼ 24.6%
Net result€141k-€83k▼ 40.9%€61k▼ 26.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 25% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €376k
Fixed assets
€32k ▼ 40.7%
Current assets
€345k ▲ 25.7%
Equity and liabilities €376k
Equity
€205k ▲ 0.4%
Debt
€172k ▲ 38.6%
Debt's share of the balance-sheet total rises from 37.8% to 45.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€111k▼
2023 · €139k
Cash flow
€86k▼
2023 · €108k
Current ratio
2.71▼
2023 · 4.10
Debt to equity
0.84▲
2023 · 0.61
ROE
29.8%▼
2023 · 40.8%
ROA
16.2%▼
2023 · 25.4%
Interest coverage
49.82▼
2023 · 53.61
Debt ≤ 1 year
€127k▲
2023 · €67k
Debt > 1 year
€44k▼
2023 · €57k
Income taxes
€23k▼
2023 · €28k
Staff costs
€53k▲
2023 · €27k
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 · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€328k€376k▲
Fixed assets21/28€53k€32k▼
Tangible fixed assets22/27€53k€32k▼
Plant, machinery and equipment23€52k€30k▼
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€0-
Current assets29/58€274k€345k▲
Amounts receivable within one year40/41€82k€41k▼
Trade receivables40€15k€2k▼
Other amounts receivable41€67k€39k▼
Cash at bank and in hand54/58€191k€303k▲
Deferred charges and accrued income490/1€733€931▲
Equity and liabilities
Total equity and liabilities10/49€328k€376k▲
Equity10/15€204k€205k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€194k€195k▲
Amounts payable17/49€124k€172k▲
Amounts payable after more than one year17€57k€44k▼
Financial debts170/4€57k€44k▼
Amounts payable within one year42/48€67k€127k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€8k€18k▲
Suppliers440/4€8k€18k▲
Advances received on contracts in progress46€5k€5k=
Taxes, remuneration and social security45€7k€30k▲
Taxes450/3€7k€29k▲
Remuneration and social security454/9€504€200▼
Other amounts payable47/48€34k€62k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Turnover70€0-
Goods, raw materials, services and sundry goods60/61€0-
Remuneration, social security and pensions62€27k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€68€862▲
Gross operating margin9900€166k€165k▼
Operating profit (loss)9901€113k€85k▼
Financial income75/76B€0€222▲
Recurring financial income75€0€222▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€111k€83k▼
Income taxes67/77€28k€23k▼
Profit (loss) for the period9904€83k€61k▼
Profit (loss) for the period to be appropriated9905€83k€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€224k€255k▲
Profit (loss) brought forward from the previous period14P€141k€194k▲
Profit to be distributed694/7€30k€60k▲
Return on contributions (dividend)694€30k€60k▲
Social balance
Average headcount (FTE)9087-1.7
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
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €61k ▼26.8%
Net result drops to €61k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €204k ▲35.3%
2 profitable years in a row build equity to €204k.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 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, Soumagne · 1 establishment unit since 2021
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.
Avenue de la Libération(AYE) 904630 SoumagneGround area
523 m²
Building footprint
92 m²
Volume, LiDAR
538 m³
Parcel 62008A0171/00E002, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SP TOITURES
since 20212.320.404.009
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62008A0171/00E002 | Wallonia | 523 m² | 1 · 92 m² | 6.9 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
A.J.E.C.
BE 0892.501.453
Charleroi · Eq €204,755
ENTREPRISES BRUNO GUILLAUME
BE 0471.189.079
Libin · Eq €204,764
RENOBOUW
BE 0437.115.454
Tremelo · Eq €204,531
DAK EN RENOVATIE BULCKE GIANNI
BE 0825.057.155
Houthulst · Eq €204,491
TOITURES D'AFFNAY
BE 1003.219.629
Dison · Eq €205,019
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,595 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
Founded16-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sp.toitures@gmail.com
Phone:+32496288791