Toi et Moi
ActiveThe computed 12-month bankruptcy probability of Toi et Moi is 1.6% (moderate). The 2025 annual accounts show equity of €9k and a net result of €7k. Its solvency ranks better than 19% of 27407 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency18
Growth-
Stability67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.81), and 83.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27407 sector peers (2025).
NBB · sector comparisonPosition among 27407 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€9k
Total assets
€55k
Net result
€7k
Working capital
€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €55k
Fixed assets
€17k
Current assets
€37k
Equity and liabilities €55k
Equity
€9k
Debt
€46k
Debt finances 83.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k
Cash flow
€11k
Solvency
16.2%
Current ratio
0.81
Quick ratio
0.69
Debt / equity
5.18
ROE
83.1%
ROA
13.4%
Interest coverage
101.78
Debt
€46k
Debt ≤ 1 year
€46k
Income taxes
€2k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€55k
Fixed assets21/28€17k
Tangible fixed assets22/27€17k
Plant, machinery and equipment23€968
Furniture and vehicles24€9k
Other tangible fixed assets26€7k
Current assets29/58€37k
Stocks and contracts in progress3€6k
Stocks30/36€6k
Amounts receivable within one year40/41€20k
Trade receivables40€19k
Other amounts receivable41€1k
Cash at bank and in hand54/58€12k
Equity and liabilities
Total equity and liabilities10/49€55k
Equity10/15€9k
Contributions10/11€3k
Reserves13€6k
Distributable reserves133€6k
Amounts payable17/49€46k
Amounts payable within one year42/48€46k
Trade debts44€13k
Suppliers440/4€13k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Other amounts payable47/48€28k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Other operating charges640/8€1k
Gross operating margin9900€15k
Operating profit (loss)9901€10k
Financial income75/76B€2
Recurring financial income75€2
Financial charges65/66B€130
Recurring financial charges65€130
Profit (loss) for the period before taxes9903€10k
Income taxes67/77€2k
Profit (loss) for the period9904€7k
Profit (loss) for the period to be appropriated9905€7k
Appropriation of the result
Profit (loss) to be appropriated9906€7k
Transfer to equity691/2€6k
To other reserves6921€6k
Profit to be distributed694/7€1k
Return on contributions (dividend)694€1k
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
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
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, Kruisem · 1 establishment unit since 2024
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.
Oude Dorpsweg 169750 KruisemGround area
1,332 m²
Building footprint
253 m²
Volume, LiDAR
1,027 m³
Parcel 45036A1065/00F000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Toi et Moi
since 20242.367.849.578
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45036A1065/00F000 | Flanders | 1,332 m² | 1 · 253 m² | 6.4 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.
Similar companies · same sector, comparable size
D-MONTAGE
BE 0758.785.765
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Louder Generation
BE 0790.602.458
Antwerpen · Eq €9k
RTELEC
BE 1003.772.529
Walcourt · Eq €9k
ELEKTRO DL
BE 0728.929.660
Damme · Eq €9k
L.P.H.
BE 0430.206.282
Destelbergen · Eq €9k
Of 22,740 companies in sector 43211 we hold annual accounts for 10,273. 5,151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2024
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
33140Repair and maintenance of electrical equipment
43212Electrical installation work in industrial facilities
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.