TOBY DE BACKER
ActiveSummary
TOBY DE BACKER has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,311 and a net result of -€1,462. Equity is shrinking by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 3342 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability8▲+5
Solvency56▼-9
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.45 against 1.67 in 2024; short-term debt: 69% of total assets), and 69% 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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 2025Solvency, return and age of the figures
Solvency
31%
Return on assets
-8.5%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
18 d late
2023
23 d late
2022
31 d late
2021
30 d late
2020
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 23 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 24 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€5,311▼ 21.6%
2024 · €6,773
Total assets
€17,106▲ 1.2%
2024 · €16,906
Net result
-€1,462▲ 31.6%
2024 · -€2,137
Working capital
€5,311▼ 21.2%
2024 · €6,743
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€12,870-€3,123▲ 75.7%-€1,177▲ 62.3%-€1,386▼ 17.8%-€767▲ 44.6%
Net result-€11,719below the sector's middle half-€3,701below the sector's middle half▲ 68.4%-€1,862below the sector's middle half▲ 49.7%-€2,137below the sector's middle half▼ 14.8%-€1,462below the sector's middle half▲ 31.6%
Equity€14,472below the sector's middle half▼ 44.7%€10,771below the sector's middle half▼ 25.6%€8,910below the sector's middle half▼ 17.3%€6,773below the sector's middle half▼ 24.0%€5,311below the sector's middle half▼ 21.6%
Total assets€19,203below the sector's middle half▼ 42.2%€18,004below the sector's middle half▼ 6.2%€16,028below the sector's middle half▼ 11.0%€16,906below the sector's middle half▲ 5.5%€17,106below the sector's middle half▲ 1.2%
Debt€4,731▼ 32.5%€7,233▲ 52.9%€7,119▼ 1.6%€10,133▲ 42.3%€11,796▲ 16.4%
Working capital€13,868within the sector's middle half▼ 45.3%€10,402below the sector's middle half▼ 25.0%€8,758below the sector's middle half▼ 15.8%€6,743below the sector's middle half▼ 23.0%€5,311below the sector's middle half▼ 21.2%
Solvency75.4%within the sector's middle half▼ 3.5pp59.8%within the sector's middle half▼ 15.5pp55.6%within the sector's middle half▼ 4.2pp40.1%within the sector's middle half▼ 15.5pp31.0%within the sector's middle half▼ 9.0pp
Current ratio3.93within the sector's middle half▼ 0.692.44within the sector's middle half▼ 1.492.23within the sector's middle half▼ 0.211.67within the sector's middle half▼ 0.561.45within the sector's middle half▼ 0.22
Return on assets (ROA)-61.0%below the sector's middle half▼ 139.9pp-20.6%below the sector's middle half▲ 40.5pp-11.6%below the sector's middle half▲ 8.9pp-12.6%below the sector's middle half▼ 1.0pp-8.5%below the sector's middle half▲ 4.1pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €767 in 2025 against €1,386 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €17,106
Equity
€5,311 ▼ 21.6%
Debt
€11,796 ▲ 16.4%
Debt's share of the balance-sheet total rises from 59.9% to 69.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€738▲
2024 · -€1,264
Cash flow
-€1,432▲
2024 · -€2,015
Debt to equity
2.22▲
2024 · 1.50
ROE
-27.5%▲
2024 · -31.6%
Interest coverage
-1.06▲
2024 · -1.68
Debt ≤ 1 year
€11,796▲
2024 · €10,133
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.3%
went bankrupt
7.5%
stopped otherwise
90%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 3,441 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €235 | €235 | €217 | €122 | €30 | ▼ 75.7% |
| Other operating charges640/8 | €204 | €300 | - | - | - | - |
| Gross operating margin9900 | -€12,431 | -€2,589 | -€959 | -€1,264 | -€738 | ▲ 41.6% |
| Operating profit (loss)9901 | -€12,870 | -€3,123 | -€1,177 | -€1,386 | -€767 | ▲ 44.6% |
| Financial income75/76B | €1,440 | - | - | - | - | - |
| Recurring financial income75 | €1,440 | - | - | - | - | - |
| Financial charges65/66B | €272 | €578 | €685 | €751 | €695 | ▼ 7.5% |
| Recurring financial charges65 | €272 | €578 | €685 | €751 | €695 | ▼ 7.5% |
| Profit (loss) for the period before taxes9903 | -€11,702 | -€3,701 | -€1,862 | -€2,137 | -€1,462 | ▲ 31.6% |
| Income taxes67/77 | €17 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€11,719 | -€3,701 | -€1,862 | -€2,137 | -€1,462 | ▲ 31.6% |
| Profit (loss) for the period to be appropriated9905 | -€11,719 | -€3,701 | -€1,862 | -€2,137 | -€1,462 | ▲ 31.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,203 | €18,004 | €16,028 | €16,906 | €17,106 | ▲ 1.2% |
| Fixed assets21/28 | €604 | €369 | €152 | €30 | - | - |
| Tangible fixed assets22/27 | €604 | €369 | €152 | €30 | - | - |
| Furniture and vehicles24 | €396 | €274 | €152 | €30 | - | - |
| Leasing and similar rights25 | €208 | €95 | - | - | - | - |
| Current assets29/58 | €18,599 | €17,635 | €15,877 | €16,876 | €17,106 | ▲ 1.4% |
| Amounts receivable within one year40/41 | €18,140 | €166 | €38 | €1,037 | €1,268 | ▲ 22.2% |
| Other amounts receivable41 | €18,140 | €166 | €38 | €1,037 | €1,268 | ▲ 22.2% |
| Cash at bank and in hand54/58 | €365 | €1,630 | - | - | - | - |
| Deferred charges and accrued income490/1 | €94 | €15,839 | €15,839 | €15,839 | €15,839 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,203 | €18,004 | €16,028 | €16,906 | €17,106 | ▲ 1.2% |
| Equity10/15 | €14,472 | €10,771 | €8,910 | €6,773 | €5,311 | ▼ 21.6% |
| Contributions10/11 | €1 | €1 | €1 | €1 | €1 | = |
| Outside capital11 | - | - | - | - | €1 | - |
| Other1109/19 | - | - | - | - | €1 | - |
| Reserves13 | €26,191 | €26,191 | €26,191 | €26,191 | €26,191 | = |
| Distributable reserves133 | €26,191 | €26,191 | €26,191 | €26,191 | €26,191 | = |
| Profit (loss) carried forward14 | -€11,719 | -€15,420 | -€17,282 | -€19,419 | -€20,881 | ▼ 7.5% |
| Amounts payable17/49 | €4,731 | €7,233 | €7,119 | €10,133 | €11,796 | ▲ 16.4% |
| Amounts payable within one year42/48 | €4,731 | €7,233 | €7,119 | €10,133 | €11,796 | ▲ 16.4% |
| Financial debts43 | - | €4,715 | €4,992 | €5,022 | €5,219 | ▲ 3.9% |
| Credit institutions430/8 | - | €4,715 | €4,992 | €5,022 | €5,219 | ▲ 3.9% |
| Trade debts44 | €98 | - | - | €1,275 | - | - |
| Suppliers440/4 | €98 | - | - | €1,275 | - | - |
| Taxes, remuneration and social security45 | €4,634 | €244 | - | - | - | - |
| Taxes450/3 | €4,634 | €244 | - | - | - | - |
| Other amounts payable47/48 | - | €2,274 | €2,127 | €3,836 | €6,577 | ▲ 71.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€11,719 | -€3,701 | -€1,862 | -€2,137 | -€1,462 | ▲ 31.6% |
| + Depreciation and write-downs630 | €235 | €235 | €217 | €122 | €30 | ▼ 75.7% |
| Operating cash flow (approximation) | -€11,485 | -€3,466 | -€1,644 | -€2,015 | -€1,432 | ▲ 28.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - | - |
| Change in cash | - | €1,265 | - | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet -€11,719
Net result drops to -€11,719, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2019
Ground area
440 m²
Building footprint
339 m²
Volume, LiDAR
5,264 m³
2 parcels, Brussels · tallest building 20.3 m, ±6 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
TOBY DE BACKER
since 20192.284.929.525
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N0950/00R008 | Brussels | 237 m² | 1 · 241 m² | 20.3 m · 6 fl. |
| 21013B0017/00W017 | Brussels | 203 m² | 1 · 98 m² | 20.3 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,057 companies in this sector we hold annual accounts for 9,060. 3,228 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded05-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Contact
E-mail
toby.de.backer@hotmail.comBrussel
Phone
+32470579050Brussel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0719856992
Also
9925:BE0719856992
Registered
07-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.