Turnover
≈ €230,000 estimated
The micro format states no turnover.
TOITFIX
Lifetime
1 annual account with figurespeak €43,457 (2025)
€43,457
peak €26,710 (2025)
€26,710
peak €26,810 (2025)
€26,810
€78,598
Board2 names since 2025
2 directorsPYTEL Krzysztof and 1 other
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Incorporation 13-10Incorporation 30-061 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€78,598 75% of the balance sheet
Suppliers 81%Taxes and wages 16%Other 3%
Starting capital
€100 100 shares
2025 accounts filed 61 days after the deadline
Checked score
50
Fair
Financially stronger than 42% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2026: 1.9%lowest value
08-2026: 1.9%● unchanged vs 07-2026lowest value
09-2026: 1.9%● unchanged vs 08-2026
10-2026: 3.1%▲ +1.2 percentage points vs 09-2026
11-2026: 3.1%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2025
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
Size: total assets €105,408
Sector: Specialised construction activities (NACE 43)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 27% of them on solvency, 8% on liquidity and 92% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,390 companies had the same profile as TOITFIX has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TOITFIX itself is higher: 3.1% within 12 months. It rests on far more data about TOITFIX than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for TOITFIX. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.8, below 1. Short-term debt is 74.6% and cash 3% of total assets. 74.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- PYTEL Krzysztof 50 sharesdeed of 13-10-2025
- PYTEL Monika Teresa 50 sharesdeed of 13-10-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1024757587
Incorporation
Founding capital of €100, 100 shares · Founders: PYTEL Krzysztof (comparant, fondateur); PYTEL Monika Teresa (comparante, fondatrice) · Appointments: PYTEL Krzysztof (director) and PYTEL Monika Teresa (director) · Gazette deed
Incorporation
Founding capital of €100 · Appointments: PYTEL Krzysztof (director) and PYTEL Monika Teresa (director) · Founder: PYTEL Krzysztof · Founder: PYTEL Monika Teresa · published on 30-06-2025 · Gazette deed
First establishment
Rue du Moulin 64, Châtelet
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TOITFIX Châtelet | €105,408 | €43,457 | 25.4% | - |
| MYCOOL Services Villers-le-Bouillet | €81,134 | €40,994 | 41.1% | - |
| ENTREPRISE SCOLAS Sambreville | €98,958 | €40,653 | 54.6% | - |
| DAV PRO Jette | €82,846 | €36,898 | 24.0% | - |
| DLV TOITURES Walcourt | €67,934 | €44,310 | 46.5% | - |
| BIG TOITURE La Louvière | €67,267 | €57,836 | 11.6% | - |
| MP ISOLATION ECOLOGIQUE Thuin | €107,638 | €62,596 | 17.2% | - |
These companies have the same main activity as TOITFIX: insulation installation (NACE 43230). They are comparable in size and age: total assets between €67,300 and €108,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 26-06-2025Normal situation
- Activity
- Insulation installationNACE 43230and 1 other
- Establishment unit
- 2.377.786.8336200 Châtelet, since 26-06-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 13-12-2025
Insights on TOITFIX
The computed 12-month bankruptcy probability of TOITFIX is 3.1% (moderate). The 2025 annual accounts show equity of €26,810 and a net result of €26,710.
Its solvency ranks better than 27% of 35,156 sector peers (NACE 43, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TOITFIX
- What is the company number of TOITFIX?
- The company number of TOITFIX is 1024.757.587. The VAT number is the same number with BE in front: BE 1024.757.587.
- Where is TOITFIX based?
- The registered office is at Rue du Moulin 64, 6200 Châtelet.Company details
- What does TOITFIX do?
- According to the KBO register, the main activity is insulation installation (NACE 43230).
- What is the legal form of TOITFIX?
- TOITFIX is a private limited company (BV).
- When was TOITFIX founded?
- TOITFIX was founded on 26-06-2025.
- Is TOITFIX still active?
- Yes, TOITFIX is an active enterprise in the KBO register.
- What is the turnover of TOITFIX?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €43,457 and 119 comparable companies (NACE 432). It probably lies between €150,000 and €310,000.Financials
- Is TOITFIX profitable?
- In financial year 2025, TOITFIX made a profit of €26,710.
- Where can I find the annual accounts of TOITFIX?
- TOITFIX filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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