THOM'S TOIT
ActiveThe computed 12-month bankruptcy probability of THOM'S TOIT is 4.1% (elevated). The 2024 annual accounts show equity of €16k and a net result of €-12. Its solvency ranks better than 15% of 36376 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▼-12
Solvency37=
Growth32
Track record94
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.39 against 1.49 in 2023; short-term debt: 47% and cash: 7% of total assets), and 88.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.8%
Return on assets
0%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 36376 sector peers (2024).
NBB · sector comparisonPosition among 36376 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
55 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k▼ 0.1%
2023 · €16k
2023: €16k
2023 → 2024
Total assets
€135k▼ 0.8%
2023 · €136k
2023: €136k
2023 → 2024
Net result
€-12
2023 · €13k
2023: €13k
2023 → 2024
Working capital
€25k▲ 8.6%
2023 · €23k
2023: €23k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€16k-€16k▼ 0.1%
Operating result€16k-€6k▼ 63.6%
Net result€13k-€-12
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 64% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €135k
Fixed assets
€47k▼ 30.7%
Current assets
€88k▲ 29.0%
Equity and liabilities €135k
Equity
€16k▼ 0.1%
Debt
€119k▼ 0.9%
The debt ratio falls from 88.3% to 88.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▲
2023 · €30k
Cash flow
€27k▲
2023 · €26k
Solvency
11.8%▲
2023 · 11.7%
Current ratio
1.39▼
2023 · 1.49
Quick ratio
0.96▼
2023 · 1.49
Debt / equity
7.50▼
2023 · 7.57
ROE
-0.1%▼
2023 · 81.2%
ROA
0.0%▼
2023 · 9.5%
Interest coverage
6.78▼
2023 · 49.57
Debt
€119k▼
2023 · €120k
Debt ≤ 1 year
€64k▲
2023 · €46k
Debt > 1 year
€55k▼
2023 · €74k
Income taxes
€2k▼
2023 · €4k
Staff costs
€81k▲
2023 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€136k€135k▼
Fixed assets21/28€68k€47k▼
Tangible fixed assets22/27€68k€47k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€66k€41k▼
Other tangible fixed assets26-€3k
Current assets29/58€68k€88k▲
Stocks and contracts in progress3-€27k
Stocks30/36-€9k
Contracts in progress37-€18k
Amounts receivable within one year40/41€31k€43k▲
Trade receivables40-€1k
Other amounts receivable41€31k€42k▲
Cash at bank and in hand54/58€26k€9k▼
Deferred charges and accrued income490/1€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€136k€135k▼
Equity10/15€16k€16k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€13k€13k▼
Amounts payable17/49€120k€119k▼
Amounts payable after more than one year17€74k€55k▼
Financial debts170/4€74k€55k▼
Amounts payable within one year42/48€46k€64k▲
Current portion of amounts payable after more than one year42€19k€19k=
Trade debts44€18k€19k▲
Suppliers440/4€18k€19k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€8k€22k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€4k€15k▲
Accrued charges and deferred income492/3€900€900=
Income statement
Code20232024
Non-recurring operating income76A€7k-
Remuneration, social security and pensions62€27k€81k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€27k▲
Other operating charges640/8€1k€8k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€60k€122k▲
Operating profit (loss)9901€16k€6k▼
Financial income75/76B€774€520▼
Recurring financial income75€774€520▼
Financial charges65/66B€599€5k▲
Recurring financial charges65€599€5k▲
Profit (loss) for the period before taxes9903€16k€2k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€13k€-12▼
Profit (loss) for the period to be appropriated9905€13k€-12▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€13k▼
Profit (loss) brought forward from the previous period14P-€13k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
NBB filing
Directors · office · real estate
Directors
3 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, Quévy · 1 establishment unit since 2023
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.
Rue de Frameries(QLP) 62A7040 QuévyGround area
823 m²
Building footprint
125 m²
Volume, LiDAR
859 m³
Parcel 53067A0112/00P000, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Thom's Toit SRL
since 20232.345.556.703
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53067A0112/00P000 | Wallonia | 823 m² | 1 · 125 m² | 11.2 m · 3 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.
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 2,783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:thomstoit1995@gmail.com
Phone:+32471676864