TOITURES DE KEYSER-S
ActiveThe computed 12-month bankruptcy probability of TOITURES DE KEYSER-S is 2.3% (moderate). The 2025 annual accounts show equity of €23k and a net result of €6k. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+1
Solvency100▲+21
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 1.17 in 2024; short-term debt: 21% and cash: 55.1% of total assets), and 21% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
79%
Return on assets
21.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
6 d late
2023
34 d early
2022
24 d late
2021
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 37.0%
2024 · €17k
2021: €9k
2022: €17k
2023: €11k
2024: €17k
2021 → 2025
Total assets
€30k▼ 7.1%
2024 · €32k
2021: €12k
2022: €23k
2023: €40k
2024: €32k
2021 → 2025
Net result
€6k▼ 3.3%
2024 · €7k
2021: €4k
2022: €8k
2023: €-6k
2024: €7k
2021 → 2025
Working capital
€14k▲ 490%
2024 · €2k
2021: €3k
2022: €-1k
2023: €-12k
2024: €2k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€17k▲ 89.7%€11k▼ 38.2%€17k▲ 62.0%€23k▲ 37.0%
Operating result€5k-€11k▲ 107%€-6k€12k€9k▼ 26.8%
Net result€4k-€8k▲ 103%€-6k€7k€6k▼ 3.3%
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 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€9k▼ 38.4%
Current assets
€20k▲ 23.1%
Equity and liabilities €30k
Equity
€23k▲ 37.0%
Debt
€6k▼ 57.9%
The debt ratio falls from 46.4% to 21.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €20k
Cash flow
€13k▼
2024 · €15k
Solvency
79.0%▲
2024 · 53.6%
Current ratio
3.26▲
2024 · 1.17
Quick ratio
3.26▲
2024 · 1.17
Debt / equity
0.27▼
2024 · 0.87
ROE
27.0%▼
2024 · 38.3%
ROA
21.3%▲
2024 · 20.5%
Interest coverage
48.28▲
2024 · 13.46
Debt
€6k▼
2024 · €15k
Debt ≤ 1 year
€6k▼
2024 · €14k
Income taxes
€2k▼
2024 · €3k
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€32k€30k▼
Formation expenses20€795€330▼
Fixed assets21/28€15k€9k▼
Tangible fixed assets22/27€15k€9k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€7k€3k▼
Current assets29/58€16k€20k▲
Amounts receivable within one year40/41€6k€3k▼
Trade receivables40€2k-
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€10k€16k▲
Deferred charges and accrued income490/1-€742
Equity and liabilities
Total equity and liabilities10/49€32k€30k▼
Equity10/15€17k€23k▲
Contributions10/11€5k€5k=
Reserves13€7k€13k▲
Distributable reserves133€7k€13k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€15k€6k▼
Amounts payable after more than one year17€704-
Financial debts170/4€704-
Amounts payable within one year42/48€14k€6k▼
Current portion of amounts payable after more than one year42€3k€616▼
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€1k€791▼
Gross operating margin9900€21k€17k▼
Operating profit (loss)9901€12k€9k▼
Financial income75/76B€0€22▲
Recurring financial income75€0€22▲
Financial charges65/66B€3k€325▼
Recurring financial charges65€2k€325▼
Non-recurring financial charges66B€1k-
Profit (loss) for the period before taxes9903€10k€9k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€7k€6k▼
Profit (loss) for the period to be appropriated9905€7k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€12k▼
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer to equity691/2€7k€6k▼
To other reserves6921€7k€6k▼
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 3.26
Current ratio from 1.17 to 3.26; short-term debt falls from €14k to €6k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.17
Current ratio from 0.52 to 1.17; short-term debt falls from €26k to €14k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼181%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2021net €8k ▲103%
Net result €8k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Aywaille · 1 establishment unit since 2021
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.
Deigné 974920 AywailleGround area
2,461 m²
Building footprint
188 m²
Volume, LiDAR
880 m³
Parcel 62098K1277/00M000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOITURES DE KEYSER-S
since 20212.331.434.788
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098K1277/00M000 | Wallonia | 2,461 m² | 1 · 188 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,145 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:toituresdekeyser.s@gmail.com