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TOITURES MICHEL ROBERT

Active
Private limited companyfounded 2015active for 11 yearsRue Lambert Lepage(Herm) 38, 4480 Engis, BelgiumKBO/BCE: BE 0629.824.265
Summary

TOITURES MICHEL ROBERT has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256,187 and a net result of €46,192. Equity is growing by about 29% per year across the filed financial years. Its solvency ranks better than 54% of 9,806 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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TOITURES MICHEL ROBERTActiveChecked score 90/100
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Overview

Activity
Roofing work
NACE 43410
6th largest company by equity in Engis, Construction sector1 site
Size
€540,834total assets 2025
Staff
3 FTE
Equity
€256,187
Profit
€46,192
Financial health
90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Parent
R et B INVEST · 100%
2025 accounts filed 19 days late1 of 5 deeds summarised
Why 90raises riskSector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 2.34, cash €85,359Equity €256,187 (47.4% of total assets)Founded in 2015Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 57% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 72-6
equity 47.4% of total assets
Liquidity 55-17
short-term debt 33.3% · cash 15.8%
Profitability 79+3
return on assets 8.5%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,640 companies, NACE 43, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.3%▲ +0.1 percentage points vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.2%▼ -0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.1%▼ -0.1 percentage points vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026highest value 09-2026: 0.2%▼ -0.1 percentage points vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.34, compared with 3.12 in 2024, above the usual 1.5; short-term debt: 33.3% and cash: 15.8% of total assets), but 52.6% 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 51% on solvency, 51% on liquidity, 58% on profitability and 69% on growth.

The bankruptcy probability was computed on 26-10-2026 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

Five signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 2.34, cash €85,359
NBB · annual accounts
lowers risk · Equity €256,187 (47.4% of total assets)
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 2015
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · 2025 accounts filed 19 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 days late
2024
44 days early
2023
2 days late
2022
28 days late
2021
16 days late
2020
39 days early
2019
26 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 1 day 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.

Searched, nothing found (2)
neutral · 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 16 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
27-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · full…
  3. Equity above €200,000equity €209,995 ▲12.4%

Key points

  • Positive: 6th largest company by equity in Engis, Construction sectorin the Checked rankings No. 6 View
  • Positive: 8 profitable years in a rowprofit 2025: €46,192 8 years View
  • Controlled by R et B INVEST 100% View

By topic

Financials

Financial year
2025
Total assets
€540,834
Profit
€46,192
Solvency
47.4%
Total assets▲ 37.3%
Net result
20182025
Go to Financials

Board & ownership

Board
2 members
Parent
R et B INVEST · 100%
  • BLAISE JulieDirector
  • ROBERT MichelDirector
Go to Board & ownership

Timeline

Events
16
Since
2016
Next accounts
by 31-07-2027
  1. 02-08-2024Annual accounts filed
  2. 02-01-2024Resignations: ROBERT Michel (manager and director) and…
  3. 31-12-2023Highest result from 2018 to 2025
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Roofing workNACE 43410
Founded
06-05-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
25
Annual meeting
Last Friday of June at 18:00
Purpose
“Tous travaux relatifs aux toitures,charpentes,couvertures,bardage,zinguerie,recouvrement…” (deed in French)
Go to Articles of association

Key facts about TOITURES MICHEL ROBERT

What is the company number of TOITURES MICHEL ROBERT?
0629.824.265. In Belgium the VAT number is the company number with BE in front: BE 0629.824.265.
Where is TOITURES MICHEL ROBERT based?
The registered office is at Rue Lambert Lepage(Herm) 38, 4480 Engis.Company details
What does TOITURES MICHEL ROBERT do?
According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of TOITURES MICHEL ROBERT?
Private limited company (BV).
When was TOITURES MICHEL ROBERT founded?
On 06-05-2015.
Is TOITURES MICHEL ROBERT still active?
Yes, TOITURES MICHEL ROBERT is an active enterprise in the KBO register.
How many employees does TOITURES MICHEL ROBERT have?
On average 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of TOITURES MICHEL ROBERT?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is TOITURES MICHEL ROBERT profitable?
In financial year 2025, TOITURES MICHEL ROBERT made a profit of €46,192.
Where can I find the annual accounts of TOITURES MICHEL ROBERT?
TOITURES MICHEL ROBERT filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TOITURES MICHEL ROBERT due?
By 31-07-2027, for financial year 2026.Timeline

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