Equity
€339,124 ▲ 11.1%
Toits & Moi Construct paid out €48,000 in dividends. That is 59% of the 2025 profit.
Toits & Moi Construct
Overview
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
- €143,582▼ 7.5%
- €81,900▼ 23.4%
- €339,124▲ 11.1%
- €434,308▲ 20.9%
- 0.7 FTE
- 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.
Financials
Annual accounts 2025
micro format, filed on 19-06-2026, 42 days before the deadline€143,582
▼ 7.5%
€106,563
▼ 24.0%
€81,900
▼ 23.4%
€41,871
▼ 80.3%
78.1%
▼ 6.9 percentage points
1.47
▼ 4.42
The turnover shown is an estimate from the gross margin.
Turnover ≈ €450,000. Estimated: probably between €360,000 and €540,000.
Balance sheet
balance sheet total €434,308 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
78.1%
Higher than 83% of 37,177 companies in 2025.
1.47
Higher than 39% of 36,472 companies in 2025.
18.9%
Higher than 76% of 36,707 companies in 2025.
Toits & Moi Construct
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: middle half
Staff
€31,133
Staff costs divided by the average number of full-time equivalents.
level
people who joined
people who left
In 2025, 3 people joined and 3 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
434,308 | 359,104 | 252,532 | 147,364 | 102,552 | 75,973 | |
21/28 |
302,504 | 102,523 | 38,530 | 966 | 1,663 | 2,360 | |
22/27 |
302,504 | 102,523 | 38,530 | 966 | 1,663 | 2,360 | |
23 |
7,736 | 10,077 | 945 | - | - | - | |
24 |
17,977 | 26,599 | 20,739 | 966 | 1,663 | 2,360 | |
26 |
13,294 | 15,070 | 16,845 | - | - | - | |
27 |
263,497 | 50,776 | - | - | - | - | |
29/58 |
131,804 | 256,581 | 214,002 | 146,399 | 100,889 | 73,613 | |
40/41 |
24,853 | 21,878 | 38,245 | 12,252 | 39,452 | 23,444 | |
40 |
2,594 | 13,388 | 28,188 | 4,663 | 26,812 | 17,799 | |
41 |
22,259 | 8,490 | 10,056 | 7,588 | 12,640 | 5,645 | |
54/58 |
101,931 | 234,703 | 174,195 | 131,267 | 61,437 | 49,995 | |
490/1 |
5,020 | - | 1,562 | 2,880 | - | 174 | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
434,308 | 359,104 | 252,532 | 147,364 | 102,552 | 75,973 | |
10/15 |
339,124 | 305,224 | 198,326 | 134,283 | 80,181 | 45,568 | |
10/11 |
2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | |
14 |
337,124 | 303,224 | 196,326 | 132,283 | 78,181 | 43,568 | |
17/49 |
95,184 | 53,879 | 54,206 | 13,082 | 22,370 | 30,405 | |
17 |
5,251 | 9,271 | 18,442 | - | - | - | |
170/4 |
5,251 | 9,271 | 18,442 | - | - | - | |
42/48 |
89,933 | 43,584 | 35,746 | 13,063 | 22,292 | 28,684 | |
42 |
7,159 | 4,983 | - | - | - | - | |
44 |
10,782 | 7,965 | 18,368 | 326 | 1,917 | 9,779 | |
440/4 |
10,782 | 7,965 | 18,368 | 326 | 1,917 | 9,779 | |
46 |
15,100 | - | - | - | - | - | |
45 |
6,957 | 29,962 | 16,732 | 12,737 | 20,375 | 18,905 | |
450/3 |
194 | 27,800 | 11,676 | 9,554 | 10,424 | 13,306 | |
454/9 |
6,763 | 2,162 | 5,056 | 3,183 | 9,951 | 5,600 | |
47/48 |
49,935 | 674 | 646 | - | - | - | |
492/3 |
- | 1,024 | 19 | 19 | 79 | 1,721 | |
| Income statement | |||||||
9900 |
143,582 | 155,257 | 105,590 | 98,275 | 102,565 | 82,748 | |
62 |
21,793 | - | 561 | 20,565 | 57,423 | 27,658 | |
630 |
13,852 | 10,768 | 6,407 | 697 | 697 | 143 | |
640/8 |
1,374 | 4,365 | 14,594 | 5,405 | 728 | 379 | |
9901 |
106,563 | 140,123 | 84,028 | 71,609 | 43,717 | 54,567 | |
75/76B |
277 | 1,467 | 28 | 22 | 163 | 5 | |
75 |
26 | 315 | 28 | 22 | 163 | 5 | |
76B |
251 | 1,152 | - | - | - | - | |
65/66B |
1,311 | 1,669 | 1,960 | 2,975 | 609 | 104 | |
65 |
1,311 | 1,669 | 1,960 | 2,975 | 609 | 104 | |
9903 |
105,529 | 139,921 | 82,095 | 68,656 | 43,270 | 54,468 | |
67/77 |
23,629 | 33,022 | 18,052 | 14,554 | 8,656 | 10,901 | |
9904 |
81,900 | 106,899 | 64,043 | 54,101 | 34,614 | 43,568 | |
9905 |
81,900 | 106,899 | 64,043 | 54,101 | 34,614 | 43,568 | |
| Appropriation of the result | |||||||
9906 |
385,124 | 303,224 | 196,326 | 132,283 | 78,181 | 43,568 | |
14P |
303,224 | 196,326 | 132,283 | 78,181 | 43,568 | - | |
694/7 |
48,000 | - | - | - | - | - | |
694 |
48,000 | - | - | - | - | - | |
| Social balance sheet | |||||||
9087 |
0.7 | - | - | - | 1.2 | 0.8 | |
Hours worked1013 |
807 | - | - | - | 1,960 | 996 | |
| Document | |||||||
The notes to these accounts have 7 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 19-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 19-06-2026 | 2026-00189625 | |
| 31-12-2024 | full format | 30-08-2025 | 2025-00471795 | |
| 31-12-2023 | micro format | 23-08-2024 | 2024-00387506 | |
| 31-12-2022 | micro format | 25-08-2023 | 2023-00376368 | |
| 31-12-2021 | micro format | 30-08-2022 | 2022-20351991 | |
| 31-12-2020 | micro format | 15-09-2021 | 2021-67300467 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| 120,415 | 150,892 | 90,434 | 72,306 | 44,414 | 54,710 | ||
| 95,752 | 117,667 | 70,450 | 54,799 | 35,311 | 43,711 | ||
| 213,833 | 74,761 | 43,971 | 0 | 0 | 2,503 | ||
| -132,772 | 60,508 | 42,929 | 69,830 | 11,442 | - | ||
| 41,871 | 212,997 | 178,256 | 133,336 | 78,597 | 44,929 | ||
| 78.1% | 85.0% | 78.5% | 91.1% | 78.2% | 60.0% | ||
| 1.47 | 5.89 | 5.99 | 11.21 | 4.53 | 2.57 | ||
| 0.28 | 0.18 | 0.27 | 0.10 | 0.28 | 0.67 | ||
| 24.2% | 35.0% | 32.3% | 40.3% | 43.2% | 95.6% | ||
| 18.9% | 29.8% | 25.4% | 36.7% | 33.8% | 57.3% | ||
| 91.85 | 90.40 | 46.13 | 24.30 | 72.87 | - |
EBIT margin: not included in this filing.
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.
Social balance sheet
| Item | 31-12-2025 | 31-12-2021 |
|---|---|---|
| Employees at the balance-sheet date | - | 1 |
| full-time | - | 1 |
| in full-time equivalents | - | 1 |
| 0.7 | 1.2 | |
| Joined | 3 | 1 |
| Left | 3 | 2 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €213,833 | €74,761 | €43,971 | - | - |
| €13,852 | €10,768 | €6,407 | €697 | €697 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on Toits & Moi Construct
The operating result for 2025 is 24% lower than in 2024.
Debt's share of the balance-sheet total rises from 15.0% to 21.9%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayDirector
Board
Mandates as a list
-
- Director, from 25-05-2020 to date
Control
Founder
This company
Toits & Moi Construct
Equity €339,124
Profit €81,900 in 2025
Capital
- Contribution
- €2,000
- Shares
- 20
- Contribution per share
- €100
- Equity per share
- €16,956 in 2025
- Source
- deed of 27-05-2020
Articles of association
deed of 27-05-2020 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Fixe ou proportionnelle, rémunération administrateurs”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 18:00
Founder
At incorporation
deed of 27-05-2020 ↗
- sole founder · 100% at incorporation
Network & group
No group
Toits & Moi Construct has no parent and no holdings in its annual accounts. is the only director. Toits & Moi Construct shares no director with another company.
Timeline
Timeline
14 events since 2020Filings
Financial
Establishments
2020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 42 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0747592955
2025
Annual accounts 2024 filed PDFfull format · 30 days late
2024
Highest result from 2020 to 2025 net €106,899 ▲66.9% The operating result of €140,123 and the net result of €106,899 are both a record.
Equity above €200,000 equity €305,224 ▲53.9% With a profit in every financial year since 2020, equity grows to €305,224.
Annual accounts 2023 filed PDFmicro format · 23 days late
2023
Equity above €150,000 equity €198,326 ▲47.7% With a profit in every financial year since 2020, equity grows to €198,326.
Annual accounts 2022 filed PDFmicro format · 25 days late
2022
Liquidity more than doubled current ratio 11.21 The current ratio rises from 4.53 to 11.21. Short-term debt falls from €22,292 to €13,063.
Equity above €100,000 equity €134,283 ▲67.5% With a profit in every financial year since 2020, equity grows to €134,283.
Annual accounts 2021 filed PDFmicro format · 30 days late
2021
Annual accounts 2020 filed PDFmicro format · 46 days late
2020
First establishment rue Pascal et Raphaël Sacré 16, Crisnée
IncorporationFounding capital of €2,000, 20 shares · Founder: (comparant) · Appointment: (director) · published on 27-05-20204 points ▸
- Founding capital, €2,000, 20 shares
- Founder, (comparant)
- Registered office clause, rue Pascal et Raphaël Sacré 16, 4367 Crisnée
- Director appointment,
- The deed holds 6 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0747.592.955
- VAT number
- BE 0747.592.955
- Peppol ID
- 0208:0747592955
- Other Peppol ID
- 9925:BE0747592955
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 25-05-2020
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 18:00deed of 27-05-2020 (in French)
- Peppol
- Reachable since 29-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Toits & Moi Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 27-05-2020 (in French)
- Name clauseThe company operates under this name according to its articles.
- Toits & Moi Constructdeed of 27-05-2020 (in French)
Activities
NACEBEL 2025VAT activities
43230
Insulation installation main activity
43410
Roofing work
Social security (RSZ) activities
43410
Roofing work main activity
Codes under NACEBEL 2008
43291
Specialised construction activities main activity
43910
Specialised construction activities
43991
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations généralement quelconques, se rapportant directement ou indirectement à l'industrie ou au commerce des asphaltes, bitumes…”deed of 27-05-2020 (in French)
3 activities
- Toutes opérations généralement quelconques, se rapportant directement ou indirectement à l'industrie ou au commerce des asphaltes, bitumes, ciments, goudrons, résines et revêtements industriels et autres matériaux de construction et à toutes entreprises de travaux publics ou privés
- Toutes activités se rattachant directement ou indirectement au domaine de la rénovation, de la construction et de la transformation de toiture et immeuble
- Entreprendre tous les travaux de démolition, remise en état, construction, montage, rénovation et/ou aménagement ainsi que tous les travaux de parachèvement, tels que charpentes et menuiserie, bétonnage, maçonnerie et plafonnage, étanchéité et couverture métallique et/ou non métallique – installations sanitaires, plomberie, chauffage, vitrerie, carrelage, le tout se rapportant à la rénovation de maisons, villas, halls industriels, complexe commerciaux industriels, immeuble à appartements, parkings et autres ouvrages, habitations préfabriquées, industrialisées, chalets en bois ou autres
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| rue Pascal et Raphaël Sacré 16 registered office 4367 Crisnée | 01-07-2020 | 2.304.375.550 |
Buildings and parcels at the address
- Ground area
- 930 m²
- Buildings
- 87 m²
- Volume, LiDAR
- 525 m³
- Tallest building
- 6.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 64413B0601/00E000 | 930 m² | 1 · 87 m² | 6.8 m · 2 |
Recognitions
Recognised contractor
9 categoriesToits & Moi Construct SRLapproval number 43655
- D1 All shell construction and roofing-in of buildingsclass 1, up to €162,000
- D4 Sound and heat insulation, light partitions, false ceilings and floorsclass 1, up to €162,000
- D8 Asphalt and similar roof coverings, waterproofingclass 1, up to €162,000
- D12 Non-metal, non-asphalt roof coveringsclass 1, up to €162,000
- D21 Cleaning and restoring facadesclass 1, up to €162,000
- D22 Metal roofing and zinc workclass 1, up to €162,000
- G General earthworks contractsclass 1, up to €162,000
- G3 Plantingclass 1, up to €162,000
Show all 9 categories
- G5 Demolitionclass 1, up to €162,000
Contact
E-mail
info@renovationtoiture.be
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 0747.592.955