TOITURE MAT
ActiveThe computed 12-month bankruptcy probability of TOITURE MAT is 2.5% (moderate). The 2025 annual accounts show equity of €39k and a net result of €5k. Equity is growing by ~39.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 27450 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-31
Solvency77▲+15
Growth68▼-17
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.28 in 2024; short-term debt: 43% and cash: 0.5% of total assets), and 48.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
51.8%
Return on assets
6.1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 29-05-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
9 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€332k▲ 49.4%
2024 · €223k
2023: €104k
2024: €223k
2023 → 2025
EBIT margin
2.1%▼ 10.6pp
2024 · 12.8%
2023: 10.7%
2024: 12.8%
2023 → 2025
Net result
€5k▼ 79.6%
2024 · €23k
2023: €9k
2024: €23k
2023 → 2025
Working capital
€37k▲ 120%
2024 · €17k
2023: €5k
2024: €17k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€104k-€223k▲ 115%€332k▲ 49.4%
Equity€12k-€35k▲ 192%€39k▲ 13.4%
Operating result€11k-€28k▲ 158%€7k▼ 75.1%
Net result€9k-€23k▲ 158%€5k▼ 79.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€6k▼ 64.7%
Current assets
€69k▼ 9.6%
Equity and liabilities €76k
Equity
€39k▲ 13.4%
Debt
€36k▼ 39.2%
The debt ratio falls from 63.4% to 48.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €40k
Cash flow
€16k▼
2024 · €34k
Solvency
51.8%▲
2024 · 36.6%
Current ratio
2.13▲
2024 · 1.28
Quick ratio
2.13▲
2024 · 1.28
Debt / equity
0.93▼
2024 · 1.74
ROE
11.8%▼
2024 · 65.8%
ROA
6.1%▼
2024 · 24.1%
Interest coverage
152.96▼
2024 · 1980.12
Debt
€36k▼
2024 · €60k
Debt ≤ 1 year
€33k▼
2024 · €60k
Debt > 1 year
€4k
Income taxes
€2k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€94k€76k▼
Fixed assets21/28€18k€6k▼
Tangible fixed assets22/27€18k€6k▼
Furniture and vehicles24€18k€6k▼
Current assets29/58€77k€69k▼
Amounts receivable within one year40/41€63k€69k▲
Trade receivables40€52k€36k▼
Other amounts receivable41€11k€33k▲
Cash at bank and in hand54/58€13k€363▼
Equity and liabilities
Total equity and liabilities10/49€94k€76k▼
Equity10/15€35k€39k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€32k€36k▲
Amounts payable17/49€60k€36k▼
Amounts payable after more than one year17-€4k
Financial debts170/4-€4k
Amounts payable within one year42/48€60k€33k▼
Current portion of amounts payable after more than one year42-€17k
Trade debts44€54k€13k▼
Suppliers440/4€16k€7k▼
Bills of exchange payable441€38k€7k▼
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Income statement
Code20242025
Turnover70€223k€332k▲
Goods, raw materials, services and sundry goods60/61€181k€313k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€2k€622▼
Gross operating margin9900€41k€19k▼
Operating profit (loss)9901€28k€7k▼
Financial charges65/66B€20€121▲
Recurring financial charges65€20€121▲
Profit (loss) for the period before taxes9903€28k€7k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€23k€5k▼
Profit (loss) for the period to be appropriated9905€23k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€36k▲
Profit (loss) brought forward from the previous period14P€9k€32k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-10
Financial
Weakest financial yearnet €5k ▼79.6%
Net result drops to €5k, the lowest in the series.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-10
Financial
Highest result since 2023net €23k ▲158%
Operating result €28k, net result €23k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Kraainem · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Steenweg op Mechelen 4551950 KraainemGround area
1.2 ha
Building footprint
1,147 m²
Volume, LiDAR
37,547 m³
2 parcels, Brussels, Flanders · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
TOITURE MAT
since 20232.345.870.071
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 21464E0029/00F004 | Brussels | 305 m² | 1 · 281 m² | 16.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
TBT
BE 0746.705.406
Jodoigne · Eq €39k
Roofpassion
BE 0758.736.869
Genk · Eq €39k
DAKWERKEN DEVREESE
BE 0831.345.428
Gent · Eq €39k
ROCKS
BE 0758.355.403
Gent · Eq €39k
DAKWERKEN MEWISSEN
BE 0507.965.244
Bilzen-Hoeselt · Eq €39k
Of 8,560 companies in sector 43410 we hold annual accounts for 4,351. 3,558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2023
Fiscal year end31-10
Activities, NACEBEL
43410Roofing work
41001General construction of residential buildings
43230Insulation installation
43310Plastering work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.