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TOBIL

Active
Private limited company·Algemene bouw van andere niet-residentiële gebouwen· 4 yrs active
Zwijnaardsesteenweg 44 ·9000 Gent, Belgium
KBO/BCE: BE 0786.290.710
Watch Print / PDF
Age4 yrs
Real estate2 parcels · 445 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of TOBIL is 2.3% (moderate). The 2024 annual accounts show equity of €60k and a net result of €32k. Its solvency ranks better than 84% of 3835 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 84% of 3835 peers (2024). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 29-09-2025 60 d late 2025-00532591
31-12-2023 31-07-2024 30-09-2024 61 d late 2024-00484737

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€32k+19.6%
Working capital€46k+74.9%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro
€0€20k€40kOperating result 2023: €37k€37kNet result 2023: €27k€27kOperating result 2024: €43k€43kNet result 2024: €32k€32k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 70.3% 39.4%
better than 84% of 3835 sector peers
Net result €32k €9k
better than 80% of 3832 sector peers
Equity €60k €29k
better than 73% of 3840 sector peers
Gross operating margin €48k €26k
better than 68% of 3830 sector peers
Total assets €85k €85k
better than 50% of 3836 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€47k
+25.9% 23-24
Net profit
€32k
+19.6% 23-24
Cash flow
€36k
+31.5% 23-24
Total assets
€85k
+29.5% 23-24
Equity
€60k
+119.6% 23-24
Working capital
€46k
+74.9% 23-24
Income taxes
€11k
+14.8% 23-24
Debt
€25k
-34.3% 23-24
Debt ≤ 1y
€25k
-34.3% 23-24
Current ratio
2.85
+68.1% 23-24
Quick ratio
2.85
+68.1% 23-24
Solvency
70.3%
+69.5% 23-24
Debt / equity
0.42
-70.1% 23-24
ROE
54.5%
-45.5% 23-24
ROA
38.3%
-7.7% 23-24
Interest coverage
612.43
+167.8% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€47k
Net profit€32k
Cash flow€36k
Staff costs-
Income taxes€11k
Dividends-
Total assets€85k
Equity€60k
Debt€25k
of which ≤ 1y€25k
of which > 1y-
Working capital€46k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.85
Quick ratio2.85
Working capital ratio54.9%
Solvency70.3%
Debt / equity0.42
Long-term debt ratio-
Interest coverage612.43
Gross margin-
Net margin-
ROA38.3%
ROE54.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€85k
Fixed assets 21/28€13k
Tangible fixed assets 22/27€13k
Current assets 29/58€72k
Amounts receivable within one year 40/41€36k
Cash & bank 54/58€35k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€85k
Equity 10/15€60k
Accumulated profits (losses) 14€60k
Amounts payable 17/49€25k
Amounts payable within one year 42/48€25k
Income statement
Gross operating margin 9900€48k
Operating result 9901€43k
Financial income 75€706
Financial charges 65€76
Result before taxes 9903€44k
Income taxes 67/77€11k
Net result for the period 9904€32k
Result to be appropriated 9905€32k
You are seeing the latest fiscal year only. 1 prior year (figures + ratios) is in a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Zwijnaardsesteenweg 449000 Gent

Establishment units

1 location
Tobil
Rue Jean Jaurès 172, 4430 AnsVervaardiging van deuren en vensters van kunststof
since 20222.332.942.545
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area445 m²
Buildings2
Building footprint267 m²
Volume (LiDAR)1,718 m³
Tallest building11.8 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
62332B0150/00H004 Wallonia 232 m² 1 · 64 m² -
44808H0052/00R006 Flanders 214 m² 1 · 202 m² 11.8 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 304 of the 2,440 companies in this sector. 254 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Algemene bouw van andere niet-residentiële gebouwen41003Algemene bouw van andere niet-residentiële gebouwen41203Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Overige gespecialiseerde bouwwerkzaamheden43999Goederenvervoer over de weg, m.u.v. verhuisbedrijven49410Goederenvervoer over de weg49410Algemene reiniging van gebouwen81210Algemene reiniging van gebouwen81210
Primary activity highlighted.
Names & trade names
Legal nameNL TOBIL
Registered office
Zwijnaardsesteenweg 44
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.