Toitures J. Pirard

Active

Private limited company (pre-2019)founded 2001active for 25 yearsRue du Ri d'Asse(MOR) 13, 4607 Dalhem, BelgiumKBO/BCE: BE 0473.578.348

From the official registers: KBO 24 annual accounts at the National Bank publications in the Belgian Official Gazette

The file of Toitures J. Pirard contains 2 historical bankruptcy publications and 1 administrative flag, as published in the Belgian Official Gazette.

Summary

The computed 12-month bankruptcy probability is 4.6% (elevated). The 2025 annual accounts show equity of €26,086 and a net result of -€16,991. Equity is growing by about 12% per year across the filed financial years. Its solvency ranks better than 23% of 34,855 sector peers (NACE 43, financial year 2025).

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Toitures J. PirardActiveChecked score 36/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 09-01-2001 Normal situation
Legal form: Private limited company (pre-2019)
Registered office: Rue du Ri d'Asse(MOR) 13, 4607 Dalhem
Activity: Roofing work NACE 43410and 1 other
Establishment unit: 2.097.843.150 4607 Dalhem, since 20-02-2001
Financial year end: 31 December
Peppol: Reachable since 23-12-2025

Company details

Who decides

Board

PIRARD JosephDirector · since 01-10-2000

Board & ownership

How it is doing

36 Weak Checked score 2025

Bankruptcy probabilitywithin 12 months: 4.6%

Annual accounts 2025

Gross margin: -€7,529
Loss: €16,991
Equity: €26,086; ▼ 39.4%
Total assets: €125,482; ▼ 15.0%

Turnover not published (micro format)2025 accounts filed 28 days late

Filed on 28-08-2026at the National Bank

Financials

Why 36raises riskLiquidity: current ratio 1.26, cash €0, halvedLoss of €16,991 (financial year 2025)Last filed accounts filed 28 days late; 1 of the last 3 latelowers riskSize: total assets €125,482Show the evidence

Checked score

Score 2025

36 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 12% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 46-8

equity 20.8% of total assets

Liquidity 7-15

short-term debt 79.2% · cash 0.0%

Profitability 2-71

return on assets -13.5%

Bankruptcy probability, 12 months

4.6% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,675 companies, NACE 43, micro)

Last 24 months 11-2024: 2.3% 12-2024: 2.3%● unchanged vs 11-2024 01-2025: 2.3%● unchanged vs 12-2024 02-2025: 2.3%● unchanged vs 01-2025 03-2025: 2.3%● unchanged vs 02-2025 04-2025: 2.3%● unchanged vs 03-2025 05-2025: 2.2%▼ -0.1 percentage points vs 04-2025 06-2025: 2.2%● unchanged vs 05-2025 07-2025: 2.6%▲ +0.4 percentage points vs 06-2025 08-2025: 3.7%▲ +1.1 percentage points vs 07-2025 09-2025: 4.3%▲ +0.6 percentage points vs 08-2025 10-2025: 2.0%▼ -2.3 percentage points vs 09-2025 11-2025: 2.0%● unchanged vs 10-2025 12-2025: 2.0%● unchanged vs 11-2025 01-2026: 2.0%● unchanged vs 12-2025 02-2026: 2.0%● unchanged vs 01-2026 03-2026: 1.9%▼ -0.1 percentage points vs 02-2026 04-2026: 2.0%▲ +0.1 percentage points vs 03-2026 05-2026: 1.8%▼ -0.2 percentage points vs 04-2026 06-2026: 1.6%▼ -0.2 percentage points vs 05-2026lowest value 07-2026: 1.6%● unchanged vs 06-2026 08-2026: 2.6%▲ +1.0 percentage point vs 07-2026 09-2026: 4.6%▲ +2.0 percentage points vs 08-2026highest value 10-2026: 4.6%● unchanged vs 09-2026highest value

Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity tight (current ratio 1.26, compared with 1.4 in 2024, below the usual 1.5; short-term debt: 79.2% and cash: 0% of total assets), and 79.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 22% on solvency, 5% on liquidity, 9% on profitability and 11% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Eight signals.

lowers riskraises riskneutral

Liquidity: current ratio 1.26, cash €0, halved

NBB · annual accounts

Loss of €16,991 (financial year 2025)

NBB · annual accounts

Last filed accounts filed 28 days late; 1 of the last 3 late

NBB · filings

Size: total assets €125,482

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 34855 sector peers (2025).

NBB · sector comparison

Position among 34855 sector peers

Solvency

better than 23%

← weakest strongest →

Prior bankruptcy

Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.

Belgian Official Gazette

2025 accounts filed 28 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

28 days late

2024

54 days late

2023

16 days late

2022

88 days late

2021

40 days early

2019

122 days late

2018

82 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 50 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Administrative warnings in the KBO publications

1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.

KBO publications

Publications

UBO non-compliance

Searched, nothing found (1)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (4 of the last 5 filed years within 60 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

Key points

Caution: Among the weakest 9% on net resultsector median €10,232 · 34,842 companies -€16,991 View

Documents

Key facts about Toitures J. Pirard

What is the company number of Toitures J. Pirard?: 0473.578.348. In Belgium the VAT number is the company number with BE in front: BE 0473.578.348.
Where is Toitures J. Pirard based?: The registered office is at Rue du Ri d'Asse(MOR) 13, 4607 Dalhem.Company details
What does Toitures J. Pirard do?: According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of Toitures J. Pirard?: Private limited company (pre-2019) (BVBA).
When was Toitures J. Pirard founded?: On 09-01-2001.
Is Toitures J. Pirard still active?: Yes, Toitures J. Pirard is an active enterprise in the KBO register.
What is the turnover of Toitures J. Pirard?: The annual accounts for financial year 2025 state no turnover: the micro format does not require it.Financials
Is Toitures J. Pirard profitable?: In financial year 2025, Toitures J. Pirard made a loss of €16,991.
Where can I find the annual accounts of Toitures J. Pirard?: Toitures J. Pirard filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Toitures J. Pirard due?: By 31-07-2027, for financial year 2026.Timeline