Turnover
≈ €230,000 estimated
The micro format states no turnover.
TOITFIX
Overview
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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.
Financials
Annual accounts 2025
micro format, filed on 30-09-2026, 61 days late€43,457
€39,390
€26,710
-€16,069
25.4%
0.80
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €230,000. Estimated: probably between €150,000 and €310,000.
Balance sheet
balance sheet total €105,408 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
25.4%
Higher than 27% of 35,156 companies in 2025.
0.80
Higher than 14% of 34,529 companies in 2025.
25.3%
Higher than 83% of 34,730 companies in 2025.
TOITFIX
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
105,408 | |
21/28 |
42,879 | |
22/27 |
42,879 | |
23 |
42,879 | |
29/58 |
62,529 | |
40/41 |
59,383 | |
40 |
53,513 | |
41 |
5,871 | |
54/58 |
3,146 | |
| Balance sheet: equity and liabilities | ||
10/49 |
105,408 | |
10/15 |
26,810 | |
10/11 |
100 | |
13 |
26,710 | |
133 |
26,710 | |
17/49 |
78,598 | |
42/48 |
78,598 | |
44 |
63,853 | |
440/4 |
63,853 | |
45 |
12,465 | |
450/3 |
12,465 | |
47/48 |
2,281 | |
| Income statement | ||
9900 |
43,457 | |
630 |
4,067 | |
9901 |
39,390 | |
65/66B |
215 | |
65 |
215 | |
9903 |
39,175 | |
67/77 |
12,465 | |
9904 |
26,710 | |
9905 |
26,710 | |
| Appropriation of the result | ||
9906 |
26,710 | |
691/2 |
26,710 | |
6921 |
26,710 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00547709.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-09-2026 | 2026-00547709 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 43,457 | ||
| 30,777 | ||
| 46,946 | ||
| -16,069 | ||
| 25.4% | ||
| 0.80 | ||
| 2.93 | ||
| 99.6% | ||
| 25.3% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €46,946 |
| €4,067 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on TOITFIX
Debt's share of the balance-sheet total is 74.6%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
since 26-06-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 30-09-2026
Director (not named in the articles)
since 26-06-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 30-09-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 12. Représentation externe Chaque administrateur - aussi lorsqu'il y en a plusieurs - représente la société vis-à-vis de tiers…”deed of 13-10-2025
Mandates through the years
2 names, the dashed line is todayPYTEL Krzysztof
Director (not named in the articles)
Director (not named in the articles)
PYTEL Monika Teresa
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- PYTEL Krzysztof
- Director (not named in the articles), from 26-06-2025 to date
- PYTEL Monika Teresa
- Director (not named in the articles), from 26-06-2025 to date
Control
Founders
This company
TOITFIX
Equity €26,810
Profit €26,710 in 2025
Capital
- Contribution
- €100
- Shares
- 100
- Contribution per share
- €1
- Equity per share
- €268 in 2025
- Source
- deed of 13-10-2025
Articles of association
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-10-2025 (in French)
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs, personnes physiques ou morales, actionnaires ou non, assemblée générale qui nomme fixe nombre, durée du…”deed of 13-10-2025 (in French)
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 28 June at 18:00deed of 13-10-2025 (in French)
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Tous pouvoirs article 2:87 du Code des sociétés et des associations sans autorisation spéciale, assemblée peut limiter à tout moment à…”deed of 30-06-2025 (in French)
Shareholders
At incorporation
deed of 13-10-2025 ↗
- PYTEL Krzysztof 50 shares (50%)
- PYTEL Monika Teresa 50 shares (50%)
At incorporation
deed of 30-06-2025 ↗
- PYTEL Krzysztof 50 shares (50%)
- PYTEL Monika Teresa 50 shares (50%)
Capital transactions
Capital over time
- 13-10-2025 Incorporation · €100 · 100 shares
- 30-06-2025 Incorporation · €100 · 100 shares
Network & group
No group
TOITFIX has no parent and no holdings in its annual accounts. TOITFIX shares no director with another company.
At the same address
Rue du Moulin 64, 6200 Châtelet · 1 other company| M&K TOITURES
registered office since 22-09-2011 · founded in 2011 |
total assets €554,867 (2025) 0837.193.934 |
Timeline
Timeline
5 events since 2025Board
Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 61 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1024757587
IncorporationFounding capital of €100, 100 shares · Founders: PYTEL Krzysztof (comparant, fondateur); PYTEL Monika Teresa (comparante, fondatrice) · Appointments: PYTEL Krzysztof (director) and PYTEL Monika Teresa (director)6 points ▸
- Correction, 30-06-2025
- Founder, PYTEL Krzysztof (comparant, fondateur)
- Founder, PYTEL Monika Teresa (comparante, fondatrice)
- Founding capital, €100, 100 shares
- Director appointment, PYTEL Krzysztof (director (not named in the articles))
- Director appointment, PYTEL Monika Teresa (director (not named in the articles))
- The deed holds 5 more points.
IncorporationFounding capital of €100 · Appointments: PYTEL Krzysztof (director) and PYTEL Monika Teresa (director) · Founder: PYTEL Krzysztof · Founder: PYTEL Monika Teresa · published on 30-06-20255 points ▸
- Director appointment, PYTEL Krzysztof (director (not named in the articles))
- Director appointment, PYTEL Monika Teresa (director (not named in the articles))
- Founder, PYTEL Krzysztof
- Founder, PYTEL Monika Teresa
- Founding capital, €100, 100 shares
- The deed holds 3 more points.
First establishment Rue du Moulin 64, Châtelet
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1024.757.587
- VAT number
- BE 1024.757.587
- Peppol ID
- 0208:1024757587
- Other Peppol ID
- 9925:BE1024757587
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-06-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 28 June at 18:00deed of 13-10-2025 (in French)
- Peppol
- Reachable since 13-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- TOITFIX in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-10-2025 (in French)
Activities
NACEBEL 202543230
Insulation installation main activity
43410
Roofing work
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La rénovation de biens immobiliers de toute nature,y compris les travaux de transformation,de réparation,d'aménagement intérieur,de mise en…”deed of 30-06-2025 (in French)
6 activities
- La rénovation de biens immobiliers de toute nature,y compris les travaux de transformation,de réparation,d'aménagement intérieur,de mise en conformité,de réhabilitation,de bâtiments résidentielles,commerciaux,industriels ou publics.
- La location et l’installation d’échafaudages,de matériels et de machines de chantier,fixes ou mobiles,pour tous types de chantier,ainsi que la location de matériel et de machines de chantier,notamment grues nacelles,compresseurs,outils électroniques et équipements divers.
- L'administration et le nettoyage de tous types,y compris,mais sans s'y limiter,le nettoyage de façades,de chantiers,de bureaux et de jardins,toutes sortes d’activités de construction,y compris,mais sans s’y limiter,la plomberie,l’électricité,les constructions métalliques et les activités de soudure,ainsi que le montage et le démontage,la liste ci-dessus étant donnée à titre d'exemple et n'étant pas exhaustive.
- A) exclusivement en son propre nom et pour son propre compte: la construction,le développement et la gestion du patrimoine immobilier; toutes les opérations,oui ou non sous le système de la TVA,relatives aux biens immobiliers et aux droits immobiliers,tels que l’achat et la vente,la construction,la rénovation,l’aménagement et la décoration d’intérieur,la location ou la prise en location,l’échange,le lotissement et,en général,toutes les opérations qui sont liées directement ou indirectement à la gestion ou à l’exploitation de biens immobiliers ou de droits réels immobiliers
- B) exclusivement en son propre nom et pour son propre compte: la construction,le développement et la gestion d’un patrimoine mobilier; toutes les opérations relatives à des biens et des droits mobiliers,de quelque nature que ce soit,tels que la vente et l’achat,la location et la prise en location,l’échange,en particulier la gestion et la valorisation de tous biens négociables,actions,obligations,fonds d’État
- C) exclusivement en son propre nom et pour son propre compte: faire des emprunts et consentir des prêts,crédits,financements et la négociation de contrats de leasing,dans le cadre des buts décrits ci-dessus.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue du Moulin 64 registered office 6200 Châtelet | 26-06-2025 | 2.377.786.833 |
Buildings and parcels at the address
- Ground area
- 152 m²
- Buildings
- 68 m²
- Volume, LiDAR
- 648 m³
- Tallest building
- 11.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52502B0622/00R007 | 152 m² | 1 · 68 m² | 11.0 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1024.757.587