TOITURE VALENTIN

Active

Private limited companyfounded 20205 yrs activeRue de Cent Pieds(BUV) 61, 7133 Binche, BelgiumKBO/BCE: BE 0754.818.861

The computed 12-month bankruptcy probability of TOITURE VALENTIN is 3.0% (moderate). The 2025 annual accounts show equity of €76k and a net result of €105k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 20% of 27559 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

64 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency43▼-12

Growth78=

Track record94

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days acceptable

Liquidity tight (current ratio 1.07 against 1.21 in 2024; short-term debt: 52.1% and cash: 46.9% of total assets), and 81.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Nine signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

18.1%

Return on assets

25.1%

Age of the figures

15 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 27559 sector peers (2025).

NBB · sector comparison

Position among 27559 sector peers

Solvency

better than 20%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

10 d early

2024

25 d early

2023

2 d early

2022

4 d early

2021

4 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close18-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€76k=

2024 · €76k

2021: €16k 2022: €76k 2023: €76k 2024: €76k

2021 → 2025

Total assets

€418k▲ 68.6%

2024 · €248k

2021: €67k 2022: €162k 2023: €273k 2024: €248k

2021 → 2025

Net result

€105k▲ 57.7%

2024 · €67k

2021: €10k 2022: €59k 2023: €79k 2024: €67k

2021 → 2025

Working capital

€16k▼ 46.9%

2024 · €29k

2021: €13k 2022: €53k 2023: €40k 2024: €29k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€16k-€76k▲ 367%€76k=€76k=€76k=

Operating result€16k-€82k▲ 430%€102k▲ 24.2%€87k▼ 15.0%€136k▲ 56.9%

Net result€10k-€59k▲ 483%€79k▲ 32.6%€67k▼ 15.4%€105k▲ 57.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 57% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €418k

44.2%

55.8%

Fixed assets €185k▲ 141%

Current assets €234k▲ 36.5%

Equity and liabilities €418k

18.1%

81.9%

Equity €76k=

Debt €343k▲ 98.7%

The debt ratio rises from 69.5% to 81.9%. Debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€179k▲

2024 · €111k

Cash flow

€148k▲

2024 · €91k

Solvency

18.1%▼

2024 · 30.5%

Current ratio

1.07▼

2024 · 1.21

Quick ratio

1.07▼

2024 · 1.21

Debt / equity

4.53▲

2024 · 2.28

ROE

139.0%▲

2024 · 88.2%

ROA

25.1%▼

2024 · 26.9%

Interest coverage

40.81▼

2024 · 59.72

Debt

€343k▲

2024 · €173k

Debt ≤ 1 year

€218k▲

2024 · €142k

Debt > 1 year

€125k▲

2024 · €31k

Income taxes

€27k▲

2024 · €18k

Staff costs

€159k▲

2024 · €142k

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€248k€418k▲

Formation expenses20€344€86▼

Fixed assets21/28€77k€185k▲

Tangible fixed assets22/27€76k€183k▲

Plant, machinery and equipment23€27k€120k▲

Furniture and vehicles24€48k€62k▲

Financial fixed assets28€1k€2k▲

Current assets29/58€171k€234k▲

Amounts receivable within one year40/41€25k€32k▲

Trade receivables40€22k€24k▲

Other amounts receivable41€3k€8k▲

Cash at bank and in hand54/58€141k€196k▲

Deferred charges and accrued income490/1€4k€5k▲

Equity and liabilities

Total equity and liabilities10/49€248k€418k▲

Equity10/15€76k€76k=

Contributions10/11€6k€6k=

Reserves13€70k€70k=

Distributable reserves133€70k€70k=

Amounts payable17/49€173k€343k▲

Amounts payable after more than one year17€31k€125k▲

Financial debts170/4€31k€125k▲

Amounts payable within one year42/48€142k€218k▲

Current portion of amounts payable after more than one year42€15k€41k▲

Trade debts44€28k€32k▲

Suppliers440/4€28k€32k▲

Taxes, remuneration and social security45€34k€47k▲

Taxes450/3€28k€43k▲

Remuneration and social security454/9€6k€4k▼

Other amounts payable47/48€65k€98k▲

Income statement Code20242025

Non-recurring operating income76A-€5k

Remuneration, social security and pensions62€142k€159k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€43k▲

Other operating charges640/8€1k€1k▲

Non-recurring operating charges66A€2k€17▼

Gross operating margin9900€257k€340k▲

Operating profit (loss)9901€87k€136k▲

Financial charges65/66B€2k€4k▲

Recurring financial charges65€2k€4k▲

Profit (loss) for the period before taxes9903€85k€132k▲

Income taxes67/77€18k€27k▲

Profit (loss) for the period9904€67k€105k▲

Profit (loss) for the period to be appropriated9905€67k€105k▲

Appropriation of the result

Profit (loss) to be appropriated9906€67k€105k▲

Transfer from equity791/2€67k€105k▲

Transfer to equity691/2€67k€105k▲

To other reserves6921€67k€105k▲

Profit to be distributed694/7€67k€105k▲

Return on contributions (dividend)694€67k€105k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 31-01-2027

2026

21-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

Financial Highest result since 2021net €105k ▲57.7%

Operating result €136k, net result €105k, both a record.

06-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

29-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

27-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

04-02

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 4 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Binche · 2 establishment units since 2020

establishment All 2 establishment units on the map

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.

Rue de Cent Pieds(BUV) 617133 Binche

Ground area

1.5 ha

Building footprint

1,125 m²

Volume, LiDAR

5,296 m³

2 parcels, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

TOITURE VALENTIN

Rue de Cent Pieds(BUV) 61, 7133 BincheBricklaying and masonry work

since 20202.310.146.456

TOITURE VALENTIN

Rue Albert 1er(LEV) 46, 7134 BincheBricklaying and masonry work

since 20202.315.142.550

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56043A0250/00D003	Wallonia	1.4 ha	1 · 987 m²	9.5 m · 1 fl.
56014A0410/00W000	Wallonia	821 m²	1 · 138 m²	7.4 m · 2 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

Algemene Renovatie Werken Construction

Of 8,562 companies in sector 43410 we hold annual accounts for 4,354. 3,788 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded24-09-2020

Fiscal year end30-06

Activities, NACEBEL

43410Roofing work

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.