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T&D TOITURE

Active
Private limited companyfounded 2024active for 2 yearsFond de Malonne(ML) 109, 5020 Namur, BelgiumKBO/BCE: BE 1005.167.151
Summary

The computed 12-month bankruptcy probability of T&D TOITURE is 2.3% (moderate). The 2025 annual accounts show equity of €33,836 and a net result of -€32,187. Its solvency ranks better than 29% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 25-01-2024 Normal situation
Activity
Roofing work NACE 43410and 2 others
Establishment unit
2.356.370.223 5020 Namur, since 25-01-2024
Financial year end
31 December
Peppol
Reachable since 05-02-2026

Board and ownership

Board

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.3%
Annual accounts 2025
Turnover
€304,195
▲ 25.7%
Loss
€32,187
Equity
€33,836
▼ 48.8%
Total assets
€124,915
▲ 26.1%
Employees on 31-12-2025
1
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Score breakdownraises riskFounded in 2024Last filed accounts filed 31 days late; 1 of the last 3 accounts lateSize: turnover €304,195, total assets €124,915lowers riskLiquidity: current ratio 1.19, cash €47,801Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 38% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Weak
Solvency 52-40
equity 27.1% of total assets
Liquidity 75-18
short-term debt 46.0% · cash 38.3%
Profitability 1-99
return on assets -25.8%
Bankruptcy probability within 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 02-2025: 1.9% 03-2025: 1.9%● unchanged vs 02-2025 04-2025: 1.9%● unchanged vs 03-2025 05-2025: 2.3%▲ +0.4 percentage points vs 04-2025 06-2025: 2.4%▲ +0.1 percentage points vs 05-2025 07-2025: 2.7%▲ +0.3 percentage points vs 06-2025highest value 08-2025: 0.4%▼ -2.3 percentage points vs 07-2025lowest value 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.5%▲ +0.1 percentage points vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.6%▲ +0.1 percentage points vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.5 percentage points vs 07-2026 09-2026: 2.2%▲ +1.1 percentage points vs 08-2026 10-2026: 2.3%▲ +0.1 percentage points vs 09-2026 11-2026: 2.3%● unchanged vs 10-2026
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.19 (2.87 in 2024), below the usual 1.5. Short-term debt is 46% and cash 38.3% of total assets. 72.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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). It does better than 29% of them on solvency, 74% on liquidity, 9% on profitability and 43% on growth.

The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 1.19, cash €47,801
NBB · annual accounts
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Size: turnover €304,195, total assets €124,915
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 · 2 filings
Deviation from the deadline
2025
31 days late
2024
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 2 accounts on average 15 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 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.
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €63,023 in 2024 -€32,187 View
  • Caution: Lower net result than 95% of companies in specialised constructionsector median €10,227 · 34,889 companies -€32,187 View

Comparable companies

These companies have the same main activity as T&D TOITURE: roofing work (NACE 43410). They are comparable in size and age: total assets between €113,000 and €131,000, founded between 2023 and 2024.

CompanyTotal assetsGross margin
T&D TOITURE Namur€124,915€38,624
TOITUREMAESTRO Wezembeek-Oppem€131,394€42,541
LT Technics Zoutleeuw€115,049€43,258
LDR RENOV Asse€112,532€34,545
HB CONCEPT & FILS Dour€128,031€44,439
ENTREPRISE LAURENT Lasne€131,253€37,453
De Beule Dakwerken Brugge€128,404€31,225
Full comparison

Key facts about T&D TOITURE

What is the company number of T&D TOITURE?
The company number of T&D TOITURE is 1005.167.151. The VAT number is the same number with BE in front: BE 1005.167.151.
Where is T&D TOITURE based?
The registered office is at Fond de Malonne(ML) 109, 5020 Namur.Company details
What does T&D TOITURE do?
According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of T&D TOITURE?
The legal form of T&D TOITURE is Private limited company (BV).
When was T&D TOITURE founded?
T&D TOITURE was founded on 25-01-2024.
Is T&D TOITURE still active?
Yes, T&D TOITURE is an active enterprise in the KBO register.
How many employees does T&D TOITURE have?
T&D TOITURE had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of T&D TOITURE?
The turnover of T&D TOITURE was €304,195 in financial year 2025, according to the filed annual accounts.
Is T&D TOITURE profitable?
In financial year 2025, T&D TOITURE made a loss of €32,187.
Where can I find the annual accounts of T&D TOITURE?
T&D TOITURE filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of T&D TOITURE due?
T&D TOITURE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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