TOCO SERVICES
ActiveTOCO SERVICES has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €15k. Equity is growing by ~20% per year across the filed fiscal years. Its solvency ranks better than 27% of 11206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▼-4
Solvency7▼-19
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.5 against 1.36 in 2024), and 88.8% 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
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 →
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
11.2%
Return on assets
2.2%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 8 filingsDeviation from the deadline
2025
24 d late
2024
29 d early
2023
12 d late
2022
28 d late
2021
27 d early
2020
2 d late
2019
22 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 23.9%
2024 · €63k
2018: €12k
2019: €19k
2020: €25k
2021: €38k
2022: €59k
2023: €77k
2024: €63k
2018 → 2025
Total assets
€697k▲ 10.4%
2024 · €632k
2018: €59k
2019: €46k
2020: €64k
2021: €145k
2022: €510k
2023: €537k
2024: €632k
2018 → 2025
Net result
€15k▼ 55.4%
2024 · €34k
2018: €-8k
2019: €7k
2020: €6k
2021: €13k
2022: €31k
2023: €66k
2024: €34k
2018 → 2025
Working capital
€-56k
2024 · €37k
2018: €-5k
2019: €3k
2020: €9k
2021: €103k
2022: €57k
2023: €83k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€59k▲ 56.1%€77k▲ 31.0%€63k▼ 18.3%€78k▲ 23.9%
Operating result€19k-€51k▲ 171%€98k▲ 91.9%€53k▼ 46.1%€29k▼ 45.5%
Net result€13k-€31k▲ 149%€66k▲ 112%€34k▼ 49.0%€15k▼ 55.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €697k
Fixed assets
€640k▲ 30.0%
Current assets
€57k▼ 59.1%
Equity and liabilities €697k
Equity
€78k▲ 23.9%
Debt
€619k▲ 8.8%
The debt ratio falls from 90.0% to 88.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€69k▼
2024 · €81k
Cash flow
€56k▼
2024 · €63k
Solvency
11.2%▲
2024 · 10.0%
Current ratio
0.50▼
2024 · 1.36
Quick ratio
0.50▼
2024 · 1.36
Debt / equity
7.91▼
2024 · 9.00
ROE
19.3%▼
2024 · 53.5%
ROA
2.2%▼
2024 · 5.4%
Interest coverage
7.80▼
2024 · 12.28
Debt
€619k▲
2024 · €568k
Debt ≤ 1 year
€113k▲
2024 · €102k
Debt > 1 year
€503k▲
2024 · €466k
Income taxes
€5k▼
2024 · €14k
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€632k€697k▲
Fixed assets21/28€492k€640k▲
Tangible fixed assets22/27€492k€640k▲
Land and buildings22€452k€615k▲
Furniture and vehicles24€41k€25k▼
Current assets29/58€140k€57k▼
Amounts receivable within one year40/41€15k€37k▲
Trade receivables40€14k€26k▲
Other amounts receivable41€1k€11k▲
Cash at bank and in hand54/58€122k€18k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€632k€697k▲
Equity10/15€63k€78k▲
Contributions10/11€20k€20k=
Reserves13€43k€58k▲
Distributable reserves133€43k€58k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€568k€619k▲
Amounts payable after more than one year17€466k€503k▲
Financial debts170/4€466k€503k▲
Amounts payable within one year42/48€102k€113k▲
Current portion of amounts payable after more than one year42€31k€38k▲
Trade debts44€7k€20k▲
Suppliers440/4€7k€20k▲
Taxes, remuneration and social security45€10k€10k▼
Taxes450/3€10k€10k▼
Other amounts payable47/48€54k€45k▼
Accrued charges and deferred income492/3€218€2k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€41k▲
Other operating charges640/8€1k€632▼
Gross operating margin9900€83k€70k▼
Operating profit (loss)9901€53k€29k▼
Financial income75/76B€2k€42▼
Recurring financial income75€2k€42▼
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€48k€20k▼
Income taxes67/77€14k€5k▼
Profit (loss) for the period9904€34k€15k▼
Profit (loss) for the period to be appropriated9905€34k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€15k▼
Transfer from equity791/2€48k€0▼
Transfer to equity691/2€34k€15k▼
To other reserves6921€34k€15k▼
Profit to be distributed694/7€48k€0▼
Return on contributions (dividend)694€48k€0▼
The notes to these accounts (11 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Highest result since 2018net €66k ▲112%
Operating result €98k, net result €66k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 4.21
Current ratio from 1.26 to 4.21; short-term debt falls from €34k to €32k.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Kortrijk · 1 establishment unit since 2018
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.
Lange Munteplein(Kor) 98500 KortrijkGround area
444 m²
Building footprint
407 m²
Volume, LiDAR
1,276 m³
Parcel 34354C0389/00M000, Flanders · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TOCO SERVICES
since 20182.273.459.670
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0389/00M000 | Flanders | 444 m² | 1 · 407 m² | 4.5 m · 1 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 1,136 companies in sector 46130 we hold annual accounts for 646. 512 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2018
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
47524Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.