TOITURES ET CHARPENTES BLEY
ActiveTOITURES ET CHARPENTES BLEY has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €502k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 9% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+2
Solvency28▼-36
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.97 against 1.56 in 2024; short-term debt: 95.3% and cash: 3.3% of total assets), and 97.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
2.5%
Return on assets
18.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 7760 sector peers (2025).
NBB · sector comparisonPosition among 7760 sector peers
Solvency
better than 9%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
1 d early
2022
1 d early
2021
5 d early
2020
1 d early
2019
9 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€502k▲ 52.0%
2024 · €330k
2018: €207k
2019: €400k
2020: €386k
2021: €183k
2022: €245k
2023: €313k
2024: €330k
2018 → 2025
Working capital
€-84k
2024 · €649k
2018: €741k
2019: €743k
2020: €727k
2021: €699k
2022: €678k
2023: €673k
2024: €649k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€765k-€766k▲ 0.1%€767k▲ 0.1%€767k=€69k▼ 91.0%
Operating result€241k-€323k▲ 34.1%€416k▲ 29.0%€441k▲ 5.9%€675k▲ 53.1%
Net result€183k-€245k▲ 33.6%€313k▲ 27.8%€330k▲ 5.7%€502k▲ 52.0%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.71M
Fixed assets
€212k▲ 22.4%
Current assets
€2.49M▲ 37.7%
Equity and liabilities €2.71M
Equity
€69k▼ 91.0%
Debt
€2.64M▲ 117%
The debt ratio rises from 61.4% to 97.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€743k▲
2024 · €493k
Cash flow
€570k▲
2024 · €382k
Solvency
2.5%▼
2024 · 38.6%
Current ratio
0.97▼
2024 · 1.56
Quick ratio
0.87▼
2024 · 1.41
Debt / equity
38.30▲
2024 · 1.59
ROE
729.0%▲
2024 · 43.1%
ROA
18.6%▲
2024 · 16.6%
Interest coverage
55.26▲
2024 · 51.66
Debt
€2.64M▲
2024 · €1.22M
Debt ≤ 1 year
€2.58M▲
2024 · €1.16M
Debt > 1 year
€59k▲
2024 · €56k
Income taxes
€175k▲
2024 · €114k
Staff costs
€844k▼
2024 · €877k
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€1.98M€2.71M▲
Fixed assets21/28€174k€212k▲
Intangible fixed assets21€872€456▼
Tangible fixed assets22/27€146k€186k▲
Plant, machinery and equipment23€6k€1k▼
Furniture and vehicles24€140k€184k▲
Financial fixed assets28€26k€26k=
Current assets29/58€1.81M€2.49M▲
Stocks and contracts in progress3€178k€240k▲
Stocks30/36€178k€240k▲
Amounts receivable within one year40/41€1.39M€2.16M▲
Trade receivables40€1.34M€1.99M▲
Other amounts receivable41€57k€175k▲
Cash at bank and in hand54/58€239k€89k▼
Deferred charges and accrued income490/1€30-
Equity and liabilities
Total equity and liabilities10/49€1.98M€2.71M▲
Equity10/15€767k€69k▼
Contributions10/11€35k€35k=
Reserves13€724k-
Distributable reserves133€724k-
Profit (loss) carried forward14€8k€34k▲
Amounts payable17/49€1.22M€2.64M▲
Amounts payable after more than one year17€56k€59k▲
Financial debts170/4€56k€59k▲
Amounts payable within one year42/48€1.16M€2.58M▲
Current portion of amounts payable after more than one year42€42k€66k▲
Trade debts44€422k€573k▲
Suppliers440/4€422k€573k▲
Advances received on contracts in progress46€19k€51k▲
Taxes, remuneration and social security45€37k€47k▲
Taxes450/3-€25k
Remuneration and social security454/9€37k€22k▼
Other amounts payable47/48€642k€1.84M▲
Income statement
Code20242025
Remuneration, social security and pensions62€877k€844k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€67k▲
Other operating charges640/8€32k€27k▼
Gross operating margin9900€1.40M€1.61M▲
Operating profit (loss)9901€441k€675k▲
Financial income75/76B€13k€15k▲
Recurring financial income75€13k€15k▲
Financial charges65/66B€10k€13k▲
Recurring financial charges65€10k€13k▲
Profit (loss) for the period before taxes9903€444k€677k▲
Income taxes67/77€114k€175k▲
Profit (loss) for the period9904€330k€502k▲
Profit (loss) for the period to be appropriated9905€330k€502k▲
Appropriation of the result
Profit (loss) to be appropriated9906€338k€510k▲
Profit (loss) brought forward from the previous period14P€8k€8k▲
Transfer from equity791/2-€724k
Profit to be distributed694/7€330k€1.20M▲
Return on contributions (dividend)694€330k€1.20M▲
Social balance
Average headcount (FTE)908717.115.1▼
The notes to these accounts (13 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €502k ▲52%
Operating result €675k, net result €502k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €183k ▼52.6%
Net result drops to €183k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-07
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
7 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, Ans · 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 l'Economie 154431 AnsGround area
1,436 m²
Building footprint
559 m²
Volume, LiDAR
3,426 m³
Parcel 62066A0056/00Y000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOITURES ET CHARPENTES BLEY
since 20072.163.217.685
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62066A0056/00Y000 | Wallonia | 1,436 m² | 1 · 559 m² | 6.9 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.
Recognitions · licences · registrations
Recognised contractor
6 categoriesTOITURES ET CHARPENTES BLEY SRL30524
Similar companies · same sector, comparable size
F.T.P. Dakwerken
BE 0873.410.863
Lommel · Eq €69k
MIDI - BATI
BE 0785.914.586
Schaarbeek · Eq €69k
ETS SEGERS F
BE 0660.624.933
Charleroi · Eq €69k
Dakwerken VR
BE 0798.458.666
Harelbeke · Eq €69k
DAKWERKEN INZÉ
BE 0774.909.937
Roosdaal · Eq €69k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2007
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
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 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.