TOCH INTERIEUR
ActiveTOCH INTERIEUR has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €322k and a net result of €534. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 11238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-10
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 13.52 against 24.95 in 2024; short-term debt: 7.4% and cash: 2.7% of total assets), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.8%
Return on assets
0.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
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. 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
54 d late
2023
27 d late
2022
64 d late
2021
36 d late
2020
87 d late
2019
97 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€322k▲ 0.2%
2024 · €322k
2018: €198k
2019: €209k
2020: €234k
2021: €244k
2022: €288k
2023: €307k
2024: €322k
2018 → 2025
Total assets
€355k▲ 3.9%
2024 · €342k
2018: €216k
2019: €245k
2020: €306k
2021: €353k
2022: €345k
2023: €361k
2024: €342k
2018 → 2025
Net result
€534▼ 96.4%
2024 · €15k
2018: €2k
2019: €11k
2020: €25k
2021: €11k
2022: €44k
2023: €18k
2024: €15k
2018 → 2025
Working capital
€329k▲ 0.2%
2024 · €328k
2018: €198k
2019: €222k
2020: €245k
2021: €260k
2022: €303k
2023: €311k
2024: €328k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€244k-€288k▲ 18.0%€307k▲ 6.3%€322k▲ 4.9%€322k▲ 0.2%
Operating result€26k-€56k▲ 119%€33k▼ 41.6%€26k▼ 21.1%€4k▼ 85.9%
Net result€11k-€44k▲ 316%€18k▼ 58.5%€15k▼ 18.0%€534▼ 96.4%
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 has fallen three years in a row; 2025 is 86% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €355k
Equity
€322k▲ 0.2%
Debt
€33k▲ 64.7%
The debt ratio rises from 5.8% to 9.2%. Equity and debt are higher.
Key figures and ratios
Solvency
90.8%▼
2024 · 94.2%
Current ratio
13.52▼
2024 · 24.95
Quick ratio
12.25▼
2024 · 22.08
Debt / equity
0.10▲
2024 · 0.06
ROE
0.2%▼
2024 · 4.7%
ROA
0.2%▼
2024 · 4.4%
Debt
€33k▲
2024 · €20k
Debt ≤ 1 year
€26k▲
2024 · €14k
Income taxes
€694▼
2024 · €8k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€342k€355k▲
Current assets29/58€342k€355k▲
Amounts receivable after more than one year29€109k€42k▼
Other amounts receivable291€109k€42k▼
Stocks and contracts in progress3€39k€33k▼
Stocks30/36€39k€33k▼
Amounts receivable within one year40/41€185k€270k▲
Trade receivables40€183k€270k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€342k€355k▲
Equity10/15€322k€322k▲
Contributions10/11€19k€19k=
Reserves13€303k€304k▲
Distributable reserves133€303k€304k▲
Amounts payable17/49€20k€33k▲
Amounts payable within one year42/48€14k€26k▲
Trade debts44€14k€24k▲
Suppliers440/4€14k€24k▲
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Accrued charges and deferred income492/3€6k€6k▲
Income statement
Code20242025
Non-recurring operating income76A€47-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€5k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€8k€273▼
Other operating charges640/8€528€558▲
Gross operating margin9900€36k€10k▼
Operating profit (loss)9901€26k€4k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€23k€1k▼
Income taxes67/77€8k€694▼
Profit (loss) for the period9904€15k€534▼
Profit (loss) for the period to be appropriated9905€15k€534▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€534▼
Transfer to equity691/2€15k€534▼
To other reserves6921€15k€534▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €534 ▼96.4%
Net result drops to €534, the lowest in the series.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 24.95
Current ratio from 7.19 to 24.95; short-term debt falls from €50k to €14k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-12
Financial
Highest result since 2018net €44k ▲316%
Operating result €56k, net result €44k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 8.26
Current ratio from 3.77 to 8.26; short-term debt falls from €94k to €42k.
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 36 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 87 days late
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
31-12
Financial
Equity above €200kEq €209k ▲5.5%
2 profitable years in a row build equity to €209k.
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 days late
2018
23-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 54 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 1988
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.
Campo-Santoplein 179040 GentGround area
1,446 m²
Building footprint
481 m²
Volume, LiDAR
2,701 m³
Parcel 44061A0244/00W002, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA TOCH DISTRIBUTIE
since 19882.037.898.239
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44061A0244/00W002 | Flanders | 1,446 m² | 1 · 481 m² | 7.6 m · 2 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.
Similar companies · same sector, comparable size
MULKERS BOUWMATERIALEN
BE 0434.225.844
Herk-de-Stad · Eq €323k
DAKSTOCK
BE 0792.613.229
Lommel · Eq €321k
BOA CONSTRUCTOR
BE 0543.603.737
Herent · Eq €324k
ERLA
BE 0463.222.312
Charleroi · Eq €319k
ZEQ
BE 0679.894.477
Villers-le-Bouillet · Eq €318k
Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 1,005 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-1988
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
51532
47521Retail sale of hardware, building materials, paint and glass (general range)
47552Retail sale of lighting equipment
47592Retail trade
52442
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.