TOITURES DELFORGE-DIAZ
ActiveTOITURES DELFORGE-DIAZ has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €-28k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 34% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-46
Solvency60▼-36
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.39 against 2.32 in 2024), and 67.2% 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 · 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.8%
Return on assets
-44.3%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
26 d early
2023
41 d early
2022
13 d early
2021
50 d early
2020
21 d early
2019
57 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 57.4%
2024 · €49k
2018: €26k
2019: €16k
2020: €18k
2021: €19k
2022: €35k
2023: €44k
2024: €49k
2018 → 2025
Total assets
€63k▼ 33.0%
2024 · €94k
2018: €49k
2019: €28k
2020: €21k
2021: €24k
2022: €60k
2023: €77k
2024: €94k
2018 → 2025
Net result
€-28k
2024 · €5k
2018: €23k
2019: €-10k
2020: €2k
2021: €2k
2022: €15k
2023: €10k
2024: €5k
2018 → 2025
Working capital
€8k▼ 67.8%
2024 · €26k
2018: €22k
2019: €11k
2020: €15k
2021: €18k
2022: €27k
2023: €22k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€35k▲ 78.1%€44k▲ 28.0%€49k▲ 10.2%€21k▼ 57.4%
Operating result€3k-€23k▲ 795%€17k▼ 28.2%€8k▼ 49.0%€-25k
Net result€2k-€15k▲ 842%€10k▼ 36.0%€5k▼ 53.3%€-28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25k after €8k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€34k▼ 31.2%
Current assets
€29k▼ 34.9%
Equity and liabilities €63k
Equity
€21k▼ 57.4%
Debt
€42k▼ 6.8%
The debt ratio rises from 48.3% to 67.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-10k▼
2024 · €19k
Cash flow
€-12k▼
2024 · €15k
Solvency
32.8%▼
2024 · 51.7%
Current ratio
1.39▼
2024 · 2.32
Quick ratio
1.39▼
2024 · 2.32
Debt / equity
2.05▲
2024 · 0.93
ROE
-134.9%▼
2024 · 9.3%
ROA
-44.3%▼
2024 · 4.8%
Interest coverage
-3.99▼
2024 · 17.68
Debt
€42k▼
2024 · €46k
Debt ≤ 1 year
€21k▲
2024 · €19k
Debt > 1 year
€19k▼
2024 · €24k
Income taxes
€166▼
2024 · €3k
Staff costs
€35k▼
2024 · €73k
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€63k▼
Fixed assets21/28€49k€34k▼
Tangible fixed assets22/27€49k€34k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€43k€30k▼
Financial fixed assets28€120€120=
Current assets29/58€45k€29k▼
Amounts receivable within one year40/41€25k€14k▼
Trade receivables40€18k€11k▼
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€18k€12k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€94k€63k▼
Equity10/15€49k€21k▼
Contributions10/11€19k€19k=
Reserves13€31k€31k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€-1k€-29k▼
Amounts payable17/49€46k€42k▼
Amounts payable after more than one year17€24k€19k▼
Financial debts170/4€24k€19k▼
Amounts payable within one year42/48€19k€21k▲
Current portion of amounts payable after more than one year42€10k€6k▼
Trade debts44€5k€12k▲
Suppliers440/4€5k€12k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€2k€646▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€6-
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€73k€35k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€16k▲
Other operating charges640/8€955€1k▲
Gross operating margin9900€93k€26k▼
Operating profit (loss)9901€8k€-25k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€7k€-28k▼
Income taxes67/77€3k€166▼
Profit (loss) for the period9904€5k€-28k▼
Profit (loss) for the period to be appropriated9905€5k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-29k▼
Profit (loss) brought forward from the previous period14P€-1k€-1k=
Transfer to equity691/2€5k-
To other reserves6921€5k-
The notes to these accounts (9 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-28k ▼719%
Net result drops to €-28k, the lowest in the series.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 5.53
Current ratio from 1.94 to 5.53; short-term debt falls from €12k to €3k.
04-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Charleroi · 1 establishment unit since 2007
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 Namur 226041 CharleroiGround area
209 m²
Building footprint
52 m²
Volume, LiDAR
533 m³
Parcel 52028B0375/00L010, Wallonia · tallest building 12.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
"TOITURES DELFORGE - DIAZ"
since 20072.164.639.627
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0375/00L010indicative | Wallonia | 209 m² | 1 · 51 m² | 12.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 3,987 companies in sector 43310 we hold annual accounts for 1,737. 1,350 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2007
Fiscal year end30-09
Activities, NACEBEL
43310Plastering work
42911Civil engineering
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.