TOCOCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €90k and a net result of €9k. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 91% of 9864 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-05-2025, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
66 d early
2023
69 d early
2022
69 d early
2021
38 d early
2020
1 d late
2019
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€90k▲ 11.0%
2023 · €81k
2018: €111k
2019: €115k
2020: €105k
2021: €104k
2022: €91k
2023: €81k
2018 → 2024
Net result
€9k
2023 · €-9k
2018: €24k
2019: €4k
2020: €-10k
2021: €10k
2022: €-13k
2023: €-9k
2018 → 2024
Total assets
€97k▲ 10.4%
2023 · €88k
2018: €159k
2019: €142k
2020: €123k
2021: €123k
2022: €97k
2023: €88k
2018 → 2024
Solvency
92.8%▲ 0.5pp
2023 · 92.3%
2018: 69.4%
2019: 80.7%
2020: 85.3%
2021: 83.9%
2022: 93.1%
2023: 92.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€105k-€104k▼ 1.4%€91k▼ 12.5%€81k▼ 10.3%€90k▲ 11.0%
Operating result€-10k-€13k€-14k€-11k▲ 20.7%€7k
Net result€-10k-€10k€-13k€-9k▲ 28.4%€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €7k after a loss of €11k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €97k
Fixed assets
€31k▼ 2.2%
Current assets
€67k▲ 17.4%
Equity and liabilities €97k
Equity
€90k▲ 11.0%
Debt
€7k▲ 3.4%
The debt ratio falls from 7.7% to 7.2%. Equity and debt are higher.
Key figures and ratios
Solvency
92.8%▲
2023 · 92.3%
ROE
9.9%▲
2023 · -11.4%
ROA
9.2%▲
2023 · -10.5%
Debt
€7k▲
2023 · €7k
Debt ≤ 1 year
€7k▲
2023 · €7k
Income taxes
€272▲
2023 · €262
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€88k€97k▲
Fixed assets21/28€31k€31k▼
Tangible fixed assets22/27€1k€556▼
Plant, machinery and equipment23€141-
Furniture and vehicles24€1k€556▼
Financial fixed assets28€30k€30k=
Current assets29/58€57k€67k▲
Amounts receivable after more than one year29€9k€6k▼
Other amounts receivable291€9k€6k▼
Amounts receivable within one year40/41€40k€48k▲
Trade receivables40-€6k
Other amounts receivable41€40k€42k▲
Cash at bank and in hand54/58€6k€11k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€88k€97k▲
Equity10/15€81k€90k▲
Contributions10/11€19k€19k=
Reserves13€63k€72k▲
Distributable reserves133€63k€72k▲
Amounts payable17/49€7k€7k▲
Amounts payable within one year42/48€7k€7k▲
Trade debts44€809€468▼
Suppliers440/4€809€468▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€712€2k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€3k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€697▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-9k€9k▲
Operating profit (loss)9901€-11k€7k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€120€137▲
Recurring financial charges65€120€137▲
Profit (loss) for the period before taxes9903€-9k€9k▲
Income taxes67/77€262€272▲
Profit (loss) for the period9904€-9k€9k▲
Profit (loss) for the period to be appropriated9905€-9k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€9k▲
Transfer from equity791/2€9k-
Transfer to equity691/2-€9k
To other reserves6921-€9k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-13k ▼226%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 9.69
Current ratio from 4.52 to 9.69; short-term debt falls from €20k to €7k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 11 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Pittem · 1 establishment unit since 2014
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.
Brugsesteenweg 768740 PittemGround area
3,358 m²
Building footprint
131 m²
Volume, LiDAR
748 m³
Parcel 37011A0105/00D000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOCOCO
since 20142.236.594.326
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37011A0105/00D000 | Flanders | 3,358 m² | 1 · 131 m² | 7.8 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,087 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.