TOIT & ALEX

Active

Private limited companyfounded 20251 yr activeSteenweg op Ruisbroek 257, 1620 Drogenbos, BelgiumKBO/BCE: BE 1024.860.923

The computed 12-month bankruptcy probability of TOIT & ALEX is 1.5% (moderate). The 2025 annual accounts show equity of €13k and a net result of €7k. Its solvency ranks better than 27% of 7431 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability83

Solvency46

Growth-

Track record67

Bankruptcy probability, 12 months

1.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.33; short-term debt: 46.5% and cash: 17.3% of total assets), and 78.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 · 1 filing

Deviation from the deadline

2025

31 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€13k

Total assets

€61k

Net result

€7k

Working capital

€9k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €61k

38.0%

62.0%

Fixed assets €23k

Current assets €38k

Equity and liabilities €61k

21.3%

78.7%

Equity €13k

Debt €48k

Debt finances 78.7% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€8k

Cash flow

€8k

Solvency

21.3%

Current ratio

1.33

Quick ratio

1.33

Debt / equity

3.69

ROE

53.8%

ROA

11.5%

Interest coverage

31.94

Debt

€48k

Debt ≤ 1 year

€28k

Debt > 1 year

€14k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€61k

Fixed assets21/28€23k

Tangible fixed assets22/27€23k

Furniture and vehicles24€23k

Current assets29/58€38k

Amounts receivable within one year40/41€27k

Trade receivables40€19k

Other amounts receivable41€8k

Cash at bank and in hand54/58€11k

Equity and liabilities

Total equity and liabilities10/49€61k

Equity10/15€13k

Contributions10/11€6k

Profit (loss) carried forward14€7k

Amounts payable17/49€48k

Amounts payable after more than one year17€14k

Financial debts170/4€14k

Amounts payable within one year42/48€28k

Current portion of amounts payable after more than one year42€4k

Trade debts44€19k

Suppliers440/4€19k

Taxes, remuneration and social security45€5k

Taxes450/3€5k

Accrued charges and deferred income492/3€6k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€585

Gross operating margin9900€8k

Operating profit (loss)9901€7k

Financial income75/76B€0

Recurring financial income75€0

Financial charges65/66B€245

Recurring financial charges65€245

Profit (loss) for the period before taxes9903€7k

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

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 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, Drogenbos · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Steenweg op Ruisbroek 2571620 Drogenbos

Ground area

8,060 m²

Building footprint

4,933 m²

Volume, LiDAR

34,727 m³

2 parcels, Flanders, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

TOIT&ALEX

Rue des Stappes 50, 4100 SeraingGeneral construction of residential buildings

since 20252.377.147.128

2 parcels

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
22001B0038/00K000	Flanders	7,925 m²	1 · 4,905 m²	12.9 m · 2 fl.
62354C0052/00E004	Wallonia	135 m²	1 · 28 m²	9.2 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

Huis van Gepersonaliseerde Oplossingen voor Energie-efficiëntie

BE 1023.601.111

Drogenbos · Eq €13k

Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 10,235 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-06-2025

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43221Plumbing work

43230Insulation installation

43320Joinery installation

43410Roofing work

68201Renting and operating of own or leased residential real estate, excluding social housing

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

3 entries

E-mail:lalexettoit@gmail.com

Enterprise

Phone:+32478289040

Enterprise

Phone:0478289040

Establishment Seraing 2.377.147.128