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TECH & TOAST

Active
Private limited companyfounded 20251 yr activeZwartvenstraat 25, 2310 Rijkevorsel, BelgiumKBO/BCE: BE 1018.793.869
Summary

TECH & TOAST has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,140 and a net result of €13,140. Its solvency ranks better than 11% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes
Profitability73
Solvency29
Growth-
Track record67
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.07; short-term debt: 11.5% and cash: 8.7% of total assets), and 96.2% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
3.8%
Return on assets
3.5%
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 11% of 17179 sector peers (2025).
NBB · sector comparison
Position among 17179 sector peers
Solvency
better than 11%
← 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 04-07-2026, 27 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
27 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 16 January 2025, TECH & TOAST was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€14,140
Total assets
€370,288
Net result
€13,140
Working capital
€3,196

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €370,288
Fixed assets €324,433
Current assets €45,855
Equity and liabilities €370,288
Equity €14,140
Debt €356,147
Debt finances 96.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€64,973
Cash flow
€56,386
Current ratio
1.07
Debt to equity
25.19
ROE
92.9%
ROA
3.5%
Interest coverage
16.28
Debt ≤ 1 year
€42,660
Debt > 1 year
€313,488
Income taxes
€4,618

Peer companies

Historical observation

Of the 514 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
1.6% went bankrupt
1.2% stopped otherwise
97% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 514 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
Filed annual accounts As filed with the NBB · 2025 · 40 lines
Balance sheet Code2025
Assets
Total assets20/58€370,288
Fixed assets21/28€324,433
Tangible fixed assets22/27€322,533
Land and buildings22€272,544
Plant, machinery and equipment23€1,417
Furniture and vehicles24€41,256
Assets under construction and advance payments27€7,316
Financial fixed assets28€1,900
Current assets29/58€45,855
Amounts receivable within one year40/41€11,840
Trade receivables40€11,840
Cash at bank and in hand54/58€32,320
Deferred charges and accrued income490/1€1,696
Equity and liabilities
Total equity and liabilities10/49€370,288
Equity10/15€14,140
Contributions10/11€1,000
Profit (loss) carried forward14€13,140
Amounts payable17/49€356,147
Amounts payable after more than one year17€313,488
Financial debts170/4€313,488
Amounts payable within one year42/48€42,660
Current portion of amounts payable after more than one year42€24,235
Trade debts44€280
Suppliers440/4€280
Taxes, remuneration and social security45€10,244
Taxes450/3€10,244
Other amounts payable47/48€7,901
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43,246
Other operating charges640/8€361
Gross operating margin9900€65,333
Operating profit (loss)9901€21,727
Financial income75/76B€23
Recurring financial income75€23
Financial charges65/66B€3,992
Recurring financial charges65€3,992
Profit (loss) for the period before taxes9903€17,758
Income taxes67/77€4,618
Profit (loss) for the period9904€13,140
Profit (loss) for the period to be appropriated9905€13,140
Appropriation of the result
Profit (loss) to be appropriated9906€13,140

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43,246
Other operating charges640/8€361
Gross operating margin9900€65,333
Operating profit (loss)9901€21,727
Financial income75/76B€23
Recurring financial income75€23
Financial charges65/66B€3,992
Recurring financial charges65€3,992
Profit (loss) for the period before taxes9903€17,758
Income taxes67/77€4,618
Profit (loss) for the period9904€13,140
Profit (loss) for the period to be appropriated9905€13,140
Line2025
Assets
Total assets20/58€370,288
Fixed assets21/28€324,433
Tangible fixed assets22/27€322,533
Land and buildings22€272,544
Plant, machinery and equipment23€1,417
Furniture and vehicles24€41,256
Assets under construction and advance payments27€7,316
Financial fixed assets28€1,900
Current assets29/58€45,855
Amounts receivable within one year40/41€11,840
Trade receivables40€11,840
Cash at bank and in hand54/58€32,320
Deferred charges and accrued income490/1€1,696
Equity and liabilities
Total equity and liabilities10/49€370,288
Equity10/15€14,140
Contributions10/11€1,000
Profit (loss) carried forward14€13,140
Amounts payable17/49€356,147
Amounts payable after more than one year17€313,488
Financial debts170/4€313,488
Amounts payable within one year42/48€42,660
Current portion of amounts payable after more than one year42€24,235
Trade debts44€280
Suppliers440/4€280
Taxes, remuneration and social security45€10,244
Taxes450/3€10,244
Other amounts payable47/48€7,901
Line2025
Profit (loss) for the period9904€13,140
+ Depreciation and write-downs630€43,246
Operating cash flow (approximation)€56,386

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
04-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Rijkevorsel · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,093 m²
Building footprint
168 m²
Volume, LiDAR
899 m³
Parcel 13502D0091/00W005, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TECH & TOAST
Zwartvenstraat 25, 2310 RijkevorselOther non-specialised retail sale
since 20252.369.001.603
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13502D0091/00W005 Flanders 1,093 m² 1 · 168 m² 8.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 11,390 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded16-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
55203Holiday cottages, homes and apartments
56111Full-service restaurants
82990Other business support services
85592Vocational training
93299Other amusement and recreation activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018793869
Also 9925:BE1018793869
Registered 10-07-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.