TOITURES DELHAYE LUC
ActiveTOITURES DELHAYE LUC has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €-2k. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-14
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.92 against 6.6 in 2024), and 9.4% 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 · 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
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
17 d early
2023
58 d early
2022
56 d early
2021
60 d early
2020
65 d early
2019
59 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▼ 1.1%
2024 · €152k
2018: €204k
2019: €207k
2020: €215k
2021: €173k
2022: €159k
2023: €148k
2024: €152k
2018 → 2025
Total assets
€166k▼ 1.1%
2024 · €168k
2018: €304k
2019: €296k
2020: €285k
2021: €282k
2022: €211k
2023: €172k
2024: €168k
2018 → 2025
Net result
€-2k
2024 · €4k
2018: €7k
2019: €3k
2020: €18k
2021: €8k
2022: €-13k
2023: €-11k
2024: €4k
2018 → 2025
Working capital
€77k▲ 10.0%
2024 · €70k
2018: €107k
2019: €100k
2020: €94k
2021: €66k
2022: €62k
2023: €60k
2024: €70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€159k▼ 7.6%€148k▼ 7.0%€152k▲ 2.8%€151k▼ 1.1%
Operating result€17k-€-12k€-10k▲ 16.4%€5k€-1k
Net result€8k-€-13k€-11k▲ 14.2%€4k€-2k
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 €1k after €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€74k▼ 14.1%
Current assets
€93k▲ 12.3%
Equity and liabilities €166k
Equity
€151k▼ 1.1%
Debt
€16k▼ 1.0%
The debt ratio stays at 9.4%.
Key figures and ratios
EBITDA
€11k▼
2024 · €19k
Cash flow
€10k▼
2024 · €18k
Solvency
90.6%=
2024 · 90.6%
Current ratio
5.92▼
2024 · 6.60
Quick ratio
5.89▼
2024 · 6.51
Debt / equity
0.10▲
2024 · 0.10
ROE
-1.1%▼
2024 · 2.7%
ROA
-1.0%▼
2024 · 2.5%
Interest coverage
14.00▼
2024 · 18.68
Debt
€16k▼
2024 · €16k
Debt ≤ 1 year
€16k▲
2024 · €13k
Income taxes
€0=
2024 · €0
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€168k€166k▼
Fixed assets21/28€86k€74k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€86k€74k▼
Land and buildings22€73k€68k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€3k€0▼
Current assets29/58€83k€93k▲
Stocks and contracts in progress3€1k€500▼
Stocks30/36€1k€500▼
Amounts receivable within one year40/41€19k€2k▼
Trade receivables40€18k-
Other amounts receivable41€877€2k▲
Current investments50/53€53k€86k▲
Cash at bank and in hand54/58€870€5k▲
Deferred charges and accrued income490/1€9k€195▼
Equity and liabilities
Total equity and liabilities10/49€168k€166k▼
Equity10/15€152k€151k▼
Contributions10/11€19k€19k=
Reserves13€126k€126k=
Non-distributable reserves130/1€16k€16k=
Reserves not available under the articles1311€16k€16k=
Distributable reserves133€111k€111k=
Profit (loss) carried forward14€8k€6k▼
Investment grants15€0€0=
Amounts payable17/49€16k€16k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€13k€16k▲
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€1k€391▼
Suppliers440/4€1k€391▼
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€596€12k▲
Income statement
Code20242025
Non-recurring operating income76A€35k€3k▼
Remuneration, social security and pensions62€-4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€12k▼
Other operating charges640/8€821€1k▲
Gross operating margin9900€16k€12k▼
Operating profit (loss)9901€5k€-1k▼
Financial income75/76B€281€176▼
Recurring financial income75€281€176▼
Financial charges65/66B€993€779▼
Recurring financial charges65€993€779▼
Profit (loss) for the period before taxes9903€4k€-2k▼
Income taxes67/77€0€0=
Profit (loss) for the period9904€4k€-2k▼
Profit (loss) for the period to be appropriated9905€4k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€6k▼
Profit (loss) brought forward from the previous period14P€3k€8k▲
The notes to these accounts (8 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €152k ▲2.8%
Equity rises from €148k to €152k.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-13k ▼255%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €18k ▲537%
Operating result €24k, net result €18k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Yvoir · 1 establishment unit since 2006
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 Bonny-d'Au-Ban, Durnal 335530 YvoirGround area
1,497 m²
Building footprint
151 m²
Volume, LiDAR
748 m³
Parcel 91038B0368/00B000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Toitures Delhaye Luc
since 20062.152.714.070
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91038B0368/00B000 | Wallonia | 1,497 m² | 1 · 151 m² | 7.2 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.
Similar companies · same sector, comparable size
ROOFSOLUTIONS
BE 0838.260.736
Begijnendijk · Eq €151k
ALGEMENE DAKWERKEN BAELE
BE 0752.786.019
Maldegem · Eq €151k
ERIC DE RYCKE
BE 0477.927.908
Aalter · Eq €150k
DAKOT-CONSTRUCT
BE 0735.664.133
Antwerpen · Eq €150k
OKT CARS
BE 0888.437.549
Lasne · Eq €151k
Of 8,481 companies in sector 43410 we hold annual accounts for 4,307. 3,705 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2006
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.
Contact details
2 entriesPhone:083/69.90.34
Fax:083/69.90.34