Equity
€339,124 ▲ 11.1%
Toits & Moi Construct paid out €48,000 in dividends. That is 59% of the 2025 profit.
Toits & Moi Construct
Lifetime
6 annual accounts with figures on one time axispeak €155,257 (2024)
€143,582▼ 7.5%
peak €106,899 (2024)
€81,900▼ 23.4%
peak €339,124 (2025)
€339,124▲ 11.1%
€95,184▲ 76.7%
peak 0.8 FTE (2020)
-not published
Board1 name since 2020
1 director
Documentsfilings and deeds
19-06-202642 days before the deadline
2025micro format
Dividend €48,000Debts from €53,879 to €95,184Investments €213,833Cash from €234,703 to €101,931
Key points
from the 2025 annual accountsTurnover
≈ €450,000 estimated
The accounts state no turnover.
Investments
€213,833 15.4 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.47 was 5.89 in 2024
Short-term debts rose from €43,584 to €89,933.
Filings
6 annual accounts 5 late
The 2020 accounts came latest: 46 days after the end of the period.
Position in the sector
€81,900
Higher net result than 93% of companies in specialised construction. Sector median €9,999 · 37,159 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 26,973 companies had the same profile as Toits & Moi Construct has now. Each dot stands for 68 companies, two years later.
94.8%
were still trading
3.5%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 26,973 companies, not a prediction for Toits & Moi Construct. 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 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
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0747592955
First establishment
rue Pascal et Raphaël Sacré 16, Crisnée
Incorporation
Founding capital of €2,000, 20 shares · Founder: (comparant) · Appointment: (director) · published on 27-05-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Toits & Moi Construct Crisnée | €434,308 | €143,582 | 78.1% | - |
| Monsecour Geoffrey Zwalm | €380,802 | €148,012 | 34.5% | - |
| Isocons Mouscron | €443,717 | €116,064 | 60.1% | - |
| ILO INVEST Soumagne | €331,369 | €178,690 | -8.6% | - |
| SOLID ALGEMENE AANNEMINGEN Riemst | €488,769 | €103,341 | -2.0% | 2 |
| Cédric Flamey Wingene | €418,020 | €101,873 | 33.5% | - |
| RH Technics Herzele | €301,584 | €157,878 | 67.9% | - |
These companies have the same main activity as Toits & Moi Construct: insulation installation (NACE 43230). They are comparable in size and age: total assets between €302,000 and €489,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 25-05-2020Normal situation
- Activity
- Insulation installationNACE 43230and 2 others
- Establishment unit
- 2.304.375.5504367 Crisnée, since 01-07-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 29-01-2026
Annual accounts 2025
- €434,308▲ 20.9%
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on Toits & Moi Construct
Toits & Moi Construct files the micro format. That format states no turnover. The gross margin rose from €82,748 in 2020 to €143,582 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets.
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 Toits & Moi Construct
- What is the company number of Toits & Moi Construct?
- The company number of Toits & Moi Construct is 0747.592.955. The VAT number is the same number with BE in front: BE 0747.592.955.
- Where is Toits & Moi Construct based?
- The registered office is at rue Pascal et Raphaël Sacré 16, 4367 Crisnée.Company details
- What does Toits & Moi Construct do?
- According to the KBO register, the main activity is insulation installation (NACE 43230).
- What is the legal form of Toits & Moi Construct?
- Toits & Moi Construct is a private limited company (BV).
- When was Toits & Moi Construct founded?
- Toits & Moi Construct was founded on 25-05-2020.
- Is Toits & Moi Construct still active?
- Yes, Toits & Moi Construct is an active enterprise in the KBO register.
- How many employees does Toits & Moi Construct have?
- Toits & Moi Construct had an average of 0.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Toits & Moi Construct?
- The turnover in financial year 2025 is ≈ €450,000. This figure is estimated from the gross margin of €143,582 and 86 comparable companies (NACE 432). It probably lies between €360,000 and €540,000.
- Is Toits & Moi Construct profitable?
- In financial year 2025, Toits & Moi Construct made a profit of €81,900.
- Where can I find the annual accounts of Toits & Moi Construct?
- Toits & Moi Construct filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Toits & Moi Construct due?
- Toits & Moi Construct must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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
See how customers, suppliers and banks see your own company and what to improve first.