TOITURES GILSON
ActiveTOITURES GILSON has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €58k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency42▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.13 in 2024; short-term debt: 82.8% and cash: 86.7% of total assets), and 82.8% 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
17.2%
Return on assets
46.1%
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 18% of 7692 sector peers (2025).
NBB · sector comparisonPosition among 7692 sector peers
Solvency
better than 18%
← 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
28 d late
2023
26 d late
2022
30 d late
2021
29 d late
2020
26 d late
2019
on the day
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€22k▲ 14.4%
2024 · €19k
2018: €11k
2019: €25k
2020: €17k
2021: €14k
2022: €16k
2023: €16k
2024: €19k
2018 → 2025
Total assets
€125k▲ 38.3%
2024 · €91k
2018: €14k
2019: €27k
2020: €38k
2021: €63k
2022: €81k
2023: €69k
2024: €91k
2018 → 2025
Net result
€58k▲ 21.5%
2024 · €47k
2018: €-3k
2019: €14k
2020: €6k
2021: €25k
2022: €32k
2023: €21k
2024: €47k
2018 → 2025
Working capital
€12k▲ 27.9%
2024 · €9k
2018: €8k
2019: €22k
2020: €12k
2021: €5k
2022: €5k
2023: €9k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€16k▲ 14.5%€16k▲ 4.3%€19k▲ 15.2%€22k▲ 14.4%
Operating result€31k-€40k▲ 29.2%€25k▼ 37.0%€63k▲ 150%€77k▲ 21.4%
Net result€25k-€32k▲ 25.9%€21k▼ 35.4%€47k▲ 130%€58k▲ 21.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€10k▲ 1.1%
Current assets
€116k▲ 42.6%
Equity and liabilities €125k
Equity
€22k▲ 14.4%
Debt
€104k▲ 44.5%
The debt ratio rises from 79.2% to 82.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€82k▲
2024 · €67k
Cash flow
€63k▲
2024 · €51k
Solvency
17.2%▼
2024 · 20.8%
Current ratio
1.11▼
2024 · 1.13
Quick ratio
1.08▲
2024 · 0.98
Debt / equity
4.82▲
2024 · 3.81
ROE
267.9%▲
2024 · 252.1%
ROA
46.1%▼
2024 · 52.4%
Interest coverage
594.10▼
2024 · 614.32
Debt
€104k▲
2024 · €72k
Debt ≤ 1 year
€104k▲
2024 · €72k
Income taxes
€22k▲
2024 · €18k
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€91k€125k▲
Fixed assets21/28€10k€10k▲
Tangible fixed assets22/27€10k€10k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€6k€5k▼
Current assets29/58€81k€116k▲
Stocks and contracts in progress3€11k€4k▼
Stocks30/36€11k€4k▼
Amounts receivable within one year40/41€18k€3k▼
Trade receivables40€13k€899▼
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€52k€109k▲
Deferred charges and accrued income490/1€313€297▼
Equity and liabilities
Total equity and liabilities10/49€91k€125k▲
Equity10/15€19k€22k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€9k€9k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€4k€6k▲
Amounts payable17/49€72k€104k▲
Amounts payable within one year42/48€72k€104k▲
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€25k€41k▲
Taxes450/3€25k€41k▲
Other amounts payable47/48€45k€55k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€212€1k▲
Gross operating margin9900€67k€83k▲
Operating profit (loss)9901€63k€77k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€109€138▲
Recurring financial charges65€109€138▲
Profit (loss) for the period before taxes9903€65k€79k▲
Income taxes67/77€18k€22k▲
Profit (loss) for the period9904€47k€58k▲
Profit (loss) for the period to be appropriated9905€47k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€61k▲
Profit (loss) brought forward from the previous period14P€1k€4k▲
Profit to be distributed694/7€45k€55k▲
Return on contributions (dividend)694€45k€55k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €58k ▲21.5%
Operating result €77k, net result €58k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 12.49
Current ratio from 4.76 to 12.49; short-term debt falls from €2k to €2k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 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, Pepinster · 1 establishment unit since 2011
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.
Bouhais 634860 PepinsterGround area
1,167 m²
Building footprint
148 m²
Volume, LiDAR
1,059 m³
Parcel 63452B0305/00C000, Wallonia · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Toitures Gilson
since 20112.198.509.255
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63452B0305/00C000 | Wallonia | 1,167 m² | 1 · 148 m² | 10.0 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
Ets HOUIOUX
BE 0840.255.768
Charleroi · Eq €22k
BOUWWERKEN VERLINDEN
BE 0453.284.760
Lille · Eq €22k
DZV-Projects
BE 1009.776.235
Lokeren · Eq €22k
VERHERTBRUGGEN-ROGGEMAN
BE 0453.857.555
Asse · Eq €21k
Dakwerken Loki
BE 0787.166.678
Schoten · Eq €22k
Of 8,562 companies in sector 43410 we hold annual accounts for 4,354. 3,082 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-03-2011
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476 237 409