Toits & Moi Construct
ActiveSummary
The computed 12-month bankruptcy probability of Toits & Moi Construct is 2.3% (moderate). The 2024 annual accounts show equity of €305,224 and a net result of €106,899. Equity is growing by ~59.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 3551 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 5.89 against 5.99 in 2023; short-term debt: 12.1% and cash: 65.4% of total assets), and 15% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
85%
Return on assets
29.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
23 d late
2022
25 d late
2021
30 d late
2020
46 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€106,899▲ 66.9%
2023 · €64,043
Working capital
€212,997▲ 19.5%
2023 · €178,256
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€54,567-€43,717▼ 19.9%€71,609▲ 63.8%€84,028▲ 17.3%€140,123▲ 66.8%
Net result€43,568above the sector's middle half-€34,614above the sector's middle half▼ 20.6%€54,101above the sector's middle half▲ 56.3%€64,043above the sector's middle half▲ 18.4%€106,899within the sector's middle half▲ 66.9%
Equity€45,568within the sector's middle half-€80,181within the sector's middle half▲ 76.0%€134,283above the sector's middle half▲ 67.5%€198,326above the sector's middle half▲ 47.7%€305,224within the sector's middle half▲ 53.9%
Total assets€75,973within the sector's middle half-€102,552within the sector's middle half▲ 35.0%€147,364within the sector's middle half▲ 43.7%€252,532within the sector's middle half▲ 71.4%€359,104within the sector's middle half▲ 42.2%
Debt€30,405-€22,370▼ 26.4%€13,082▼ 41.5%€54,206▲ 314%€53,879▼ 0.6%
Working capital€44,929-€78,597▲ 74.9%€133,336▲ 69.6%€178,256▲ 33.7%€212,997▲ 19.5%
Solvency60.0%within the sector's middle half-78.2%above the sector's middle half▲ 18.2pp91.1%above the sector's middle half▲ 12.9pp78.5%above the sector's middle half▼ 12.6pp85.0%above the sector's middle half▲ 6.5pp
Staff (FTE)0.8below the sector's middle half-1.2▲ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 67% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €359,104
Fixed assets
€102,523 ▲ 166%
Current assets
€256,581 ▲ 19.9%
Equity and liabilities €359,104
Equity
€305,224 ▲ 53.9%
Debt
€53,879 ▼ 0.6%
Debt's share of the balance-sheet total falls from 21.5% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€150,892▲
2023 · €90,434
Cash flow
€117,667▲
2023 · €70,450
Current ratio
5.89▼
2023 · 5.99
Debt to equity
0.18▼
2023 · 0.27
ROE
35.0%▲
2023 · 32.3%
ROA
29.8%▲
2023 · 25.4%
Interest coverage
90.40▲
2023 · 46.13
Debt ≤ 1 year
€43,584▲
2023 · €35,746
Debt > 1 year
€9,271▼
2023 · €18,442
Income taxes
€33,022▲
2023 · €18,052
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €57,423 | €20,565 | €561 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €143 | €697 | €697 | €6,407 | €10,768 | ▲ 68.1% |
| Other operating charges640/8 | - | €728 | €5,405 | €14,594 | €4,365 | ▼ 70.1% |
| Gross operating margin9900 | €82,748 | €102,565 | €98,275 | €105,590 | €155,257 | ▲ 47.0% |
| Operating profit (loss)9901 | €54,567 | €43,717 | €71,609 | €84,028 | €140,123 | ▲ 66.8% |
| Financial income75/76B | - | €163 | €22 | €28 | €1,467 | ▲ 5,208% |
| Recurring financial income75 | €5 | €163 | €22 | €28 | €315 | ▲ 1,039% |
| Non-recurring financial income76B | - | - | - | - | €1,152 | - |
| Financial charges65/66B | - | €609 | €2,975 | €1,960 | €1,669 | ▼ 14.9% |
| Recurring financial charges65 | €104 | €609 | €2,975 | €1,960 | €1,669 | ▼ 14.9% |
| Profit (loss) for the period before taxes9903 | €54,468 | €43,270 | €68,656 | €82,095 | €139,921 | ▲ 70.4% |
| Income taxes67/77 | €10,901 | €8,656 | €14,554 | €18,052 | €33,022 | ▲ 82.9% |
| Profit (loss) for the period9904 | €43,568 | €34,614 | €54,101 | €64,043 | €106,899 | ▲ 66.9% |
| Profit (loss) for the period to be appropriated9905 | €43,568 | €34,614 | €54,101 | €64,043 | €106,899 | ▲ 66.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,973 | €102,552 | €147,364 | €252,532 | €359,104 | ▲ 42.2% |
| Fixed assets21/28 | €2,360 | €1,663 | €966 | €38,530 | €102,523 | ▲ 166% |
| Tangible fixed assets22/27 | €2,360 | €1,663 | €966 | €38,530 | €102,523 | ▲ 166% |
| Plant, machinery and equipment23 | - | - | - | €945 | €10,077 | ▲ 966% |
| Furniture and vehicles24 | - | €1,663 | €966 | €20,739 | €26,599 | ▲ 28.3% |
| Other tangible fixed assets26 | - | - | - | €16,845 | €15,070 | ▼ 10.5% |
| Assets under construction and advance payments27 | - | - | - | - | €50,776 | - |
| Current assets29/58 | €73,613 | €100,889 | €146,399 | €214,002 | €256,581 | ▲ 19.9% |
| Amounts receivable within one year40/41 | €23,444 | €39,452 | €12,252 | €38,245 | €21,878 | ▼ 42.8% |
| Trade receivables40 | - | €26,812 | €4,663 | €28,188 | €13,388 | ▼ 52.5% |
| Other amounts receivable41 | - | €12,640 | €7,588 | €10,056 | €8,490 | ▼ 15.6% |
| Cash at bank and in hand54/58 | €49,995 | €61,437 | €131,267 | €174,195 | €234,703 | ▲ 34.7% |
| Deferred charges and accrued income490/1 | - | - | €2,880 | €1,562 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,973 | €102,552 | €147,364 | €252,532 | €359,104 | ▲ 42.2% |
| Equity10/15 | €45,568 | €80,181 | €134,283 | €198,326 | €305,224 | ▲ 53.9% |
| Contributions10/11 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €43,568 | €78,181 | €132,283 | €196,326 | €303,224 | ▲ 54.4% |
| Amounts payable17/49 | €30,405 | €22,370 | €13,082 | €54,206 | €53,879 | ▼ 0.6% |
| Amounts payable after more than one year17 | - | - | - | €18,442 | €9,271 | ▼ 49.7% |
| Financial debts170/4 | - | - | - | €18,442 | €9,271 | ▼ 49.7% |
| Amounts payable within one year42/48 | €28,684 | €22,292 | €13,063 | €35,746 | €43,584 | ▲ 21.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €4,983 | - |
| Trade debts44 | €9,779 | €1,917 | €326 | €18,368 | €7,965 | ▼ 56.6% |
| Suppliers440/4 | - | €1,917 | €326 | €18,368 | €7,965 | ▼ 56.6% |
| Taxes, remuneration and social security45 | - | €20,375 | €12,737 | €16,732 | €29,962 | ▲ 79.1% |
| Taxes450/3 | - | €10,424 | €9,554 | €11,676 | €27,800 | ▲ 138% |
| Remuneration and social security454/9 | - | €9,951 | €3,183 | €5,056 | €2,162 | ▼ 57.2% |
| Other amounts payable47/48 | - | - | - | €646 | €674 | ▲ 4.4% |
| Accrued charges and deferred income492/3 | - | €79 | €19 | €19 | €1,024 | ▲ 5,362% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €43,568 | €34,614 | €54,101 | €64,043 | €106,899 | ▲ 66.9% |
| + Depreciation and write-downs630 | €143 | €697 | €697 | €6,407 | €10,768 | ▲ 68.1% |
| Operating cash flow (approximation) | €43,711 | €35,311 | €54,799 | €70,450 | €117,667 | ▲ 67.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€43,971 | -€74,761 | ▼ 70.0% |
| Change in cash | - | €11,442 | €69,830 | €42,929 | €60,508 | ▲ 40.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Highest result since 2020net €106,899 ▲66.9%
Operating result €140,123, net result €106,899, both a record.
31-12
Financial
Equity above €200,000Eq €305,224 ▲53.9%
5 profitable years in a row build equity to €305,224.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Equity above €150,000Eq €198,326 ▲47.7%
4 profitable years in a row build equity to €198,326.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 11.21
Current ratio from 4.53 to 11.21; short-term debt falls from €22,292 to €13,063.
31-12
Financial
Equity above €100,000Eq €134,283 ▲67.5%
3 profitable years in a row build equity to €134,283.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €34,614 ▼20.6%
Net result drops to €34,614, the lowest in the series; recovery starts the following year.
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Crisnée · 1 establishment unit since 2020
Ground area
930 m²
Building footprint
87 m²
Volume, LiDAR
525 m³
Parcel 64413B0601/00E000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Toits & Moi Construct
since 20202.304.375.550
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64413B0601/00E000 | Wallonia | 930 m² | 1 · 87 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
9 categoriesToits & Moi Construct SRL43655
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Of 4,269 companies in sector 43230 we hold annual accounts for 1,239. 881 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
43410Roofing work
43421
Contact
E-mail
info@renovationtoiture.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0747592955
Also
9925:BE0747592955
Registered
29-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.