TOITURES PLUS
ActiveSummary
TOITURES PLUS has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €55,948 and a net result of -€5,906. Equity is growing by ~4.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability58▼-42
Solvency88▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 3.05 against 3.45 in 2023; short-term debt: 15.2% and cash: 14.4% of total assets), and 36.8% of the assets are financed with debt.
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Signals
Five 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
63.2%
Return on assets
-6.7%
Age of the figures
21 mo
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 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
34 d early
2023
36 d early
2022
32 d early
2021
37 d early
2020
46 d early
2019
50 d early
← 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 40 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 26 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema, 2025 accounts filed, figures not processed yet
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€5,906
2023 · €22,544
Working capital
€27,437▼ 42.3%
2023 · €47,536
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€7,650▲ 3,725%-€7,411-€7,802▼ 5.3%€24,963-€6,833
Net result€7,579within the sector's middle half▲ 633%-€6,289below the sector's middle half-€6,441below the sector's middle half▼ 2.4%€22,544within the sector's middle half-€5,906below the sector's middle half
Equity€52,040within the sector's middle half▲ 17.0%€45,751below the sector's middle half▼ 12.1%€39,310below the sector's middle half▼ 14.1%€61,854below the sector's middle half▲ 57.3%€55,948below the sector's middle half▼ 9.5%
Total assets€81,899below the sector's middle half▲ 37.5%€68,270below the sector's middle half▼ 16.6%€53,190below the sector's middle half▼ 22.1%€84,671below the sector's middle half▲ 59.2%€88,496below the sector's middle half▲ 4.5%
Debt€29,859▲ 97.5%€22,519▼ 24.6%€13,880▼ 38.4%€22,817▲ 64.4%€32,548▲ 42.6%
Working capital€31,098within the sector's middle half▲ 15.4%€30,489within the sector's middle half▼ 2.0%€28,000within the sector's middle half▼ 8.2%€47,536within the sector's middle half▲ 69.8%€27,437within the sector's middle half▼ 42.3%
Solvency63.5%above the sector's middle half▼ 11.1pp67.0%above the sector's middle half▲ 3.5pp73.9%above the sector's middle half▲ 6.9pp73.1%above the sector's middle half▼ 0.9pp63.2%above the sector's middle half▼ 9.8pp
Current ratio3.82above the sector's middle half▼ 0.384.01above the sector's middle half▲ 0.195.74above the sector's middle half▲ 1.733.45above the sector's middle half▼ 2.283.05above the sector's middle half▼ 0.41
Return on assets (ROA)9.3%within the sector's middle half▲ 7.5pp-9.2%below the sector's middle half▼ 18.5pp-12.1%below the sector's middle half▼ 2.9pp26.6%above the sector's middle half▲ 38.7pp-6.7%below the sector's middle half▼ 33.3pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €6,833 after €24,963 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €88,496
Fixed assets
€47,650 ▲ 168%
Current assets
€40,846 ▼ 38.9%
Equity and liabilities €88,496
Equity
€55,948 ▼ 9.5%
Debt
€32,548 ▲ 42.6%
Debt's share of the balance-sheet total rises from 26.9% to 36.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6,466▼
2023 · €29,101
Cash flow
€7,393▼
2023 · €26,682
Debt to equity
0.58▲
2023 · 0.37
ROE
-10.6%▼
2023 · 36.4%
Interest coverage
5.67▼
2023 · 76.38
Debt ≤ 1 year
€13,409▼
2023 · €19,363
Debt > 1 year
€19,139▲
2023 · €3,454
Income taxes
€140▼
2023 · €4,806
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,128 | €12,107 | €8,374 | €4,138 | €13,299 | ▲ 221% |
| Other operating charges640/8 | - | €421 | €564 | €501 | €473 | ▼ 5.6% |
| Non-recurring operating charges66A | - | - | €302 | - | - | - |
| Gross operating margin9900 | €19,599 | €5,117 | €1,438 | €29,602 | €6,939 | ▼ 76.6% |
| Operating profit (loss)9901 | €7,650 | -€7,411 | -€7,802 | €24,963 | -€6,833 | ▼ 127% |
| Financial income75/76B | - | €1,800 | €2,063 | €2,768 | €2,208 | ▼ 20.2% |
| Recurring financial income75 | €1,942 | €1,800 | €2,063 | €2,768 | €2,208 | ▼ 20.2% |
| Financial charges65/66B | - | €853 | €702 | €381 | €1,141 | ▲ 199% |
| Recurring financial charges65 | €743 | €853 | €702 | €381 | €1,141 | ▲ 199% |
| Profit (loss) for the period before taxes9903 | €8,849 | -€6,464 | -€6,441 | €27,350 | -€5,766 | ▼ 121% |
| Income taxes67/77 | €1,270 | -€175 | - | €4,806 | €140 | ▼ 97.1% |
| Profit (loss) for the period9904 | €7,579 | -€6,289 | -€6,441 | €22,544 | -€5,906 | ▼ 126% |
| Profit (loss) for the period to be appropriated9905 | €7,579 | -€6,289 | -€6,441 | €22,544 | -€5,906 | ▼ 126% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €81,899 | €68,270 | €53,190 | €84,671 | €88,496 | ▲ 4.5% |
| Fixed assets21/28 | €39,763 | €27,656 | €19,282 | €17,772 | €47,650 | ▲ 168% |
| Tangible fixed assets22/27 | €39,763 | €27,656 | €19,282 | €17,772 | €47,650 | ▲ 168% |
| Plant, machinery and equipment23 | - | €180 | - | €1,198 | €959 | ▼ 19.9% |
| Furniture and vehicles24 | - | €27,476 | €19,282 | €16,574 | €46,691 | ▲ 182% |
| Current assets29/58 | €42,136 | €40,614 | €33,908 | €66,899 | €40,846 | ▼ 38.9% |
| Amounts receivable within one year40/41 | €25,183 | €32,239 | €28,657 | €32,329 | €25,615 | ▼ 20.8% |
| Trade receivables40 | - | €8,863 | €4,531 | €2,050 | €1,738 | ▼ 15.2% |
| Other amounts receivable41 | - | €23,376 | €24,126 | €30,279 | €23,877 | ▼ 21.1% |
| Cash at bank and in hand54/58 | €15,068 | €6,410 | €3,133 | €32,287 | €12,749 | ▼ 60.5% |
| Deferred charges and accrued income490/1 | - | €1,965 | €2,118 | €2,283 | €2,482 | ▲ 8.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €81,899 | €68,270 | €53,190 | €84,671 | €88,496 | ▲ 4.5% |
| Equity10/15 | €52,040 | €45,751 | €39,310 | €61,854 | €55,948 | ▼ 9.5% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Capital10 | - | €6,197 | €6,197 | - | - | - |
| Issued capital100 | - | €18,592 | €18,592 | - | - | - |
| Uncalled capital101 | - | €12,395 | €12,395 | - | - | - |
| Reserves13 | €1,859 | €1,859 | €1,859 | €11,859 | €11,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | - | - | - |
| Legal reserve130 | - | €1,859 | €1,859 | - | - | - |
| Distributable reserves133 | - | - | - | €11,859 | €11,859 | = |
| Profit (loss) carried forward14 | €43,984 | €37,695 | €31,254 | €43,798 | €37,892 | ▼ 13.5% |
| Amounts payable17/49 | €29,859 | €22,519 | €13,880 | €22,817 | €32,548 | ▲ 42.6% |
| Amounts payable after more than one year17 | €18,821 | €12,394 | €7,972 | €3,454 | €19,139 | ▲ 454% |
| Financial debts170/4 | - | €12,394 | €7,972 | €3,454 | €19,139 | ▲ 454% |
| Amounts payable within one year42/48 | €11,038 | €10,125 | €5,908 | €19,363 | €13,409 | ▼ 30.7% |
| Current portion of amounts payable after more than one year42 | - | €6,427 | €4,422 | €4,519 | €9,215 | ▲ 104% |
| Trade debts44 | €384 | €1,399 | €1,180 | €12,732 | €1,604 | ▼ 87.4% |
| Suppliers440/4 | - | €1,399 | €1,180 | €12,732 | €1,604 | ▼ 87.4% |
| Taxes, remuneration and social security45 | - | €2,299 | €306 | €2,112 | €2,590 | ▲ 22.6% |
| Taxes450/3 | - | €2,299 | €306 | €2,112 | €2,590 | ▲ 22.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,579 | -€6,289 | -€6,441 | €22,544 | -€5,906 | ▼ 126% |
| + Depreciation and write-downs630 | €10,128 | €12,107 | €8,374 | €4,138 | €13,299 | ▲ 221% |
| Operating cash flow (approximation) | €17,707 | €5,818 | €1,933 | €26,682 | €7,393 | ▼ 72.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€2,628 | -€43,177 | ▼ 1,543% |
| Change in cash | - | -€8,658 | -€3,277 | €29,154 | -€19,538 | ▼ 167% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €22,544
Net result €22,544 after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet -€6,441
Net result drops to -€6,441, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €1,034
Net result €1,034 after one loss-making year.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Ham-sur-Heure-Nalinnes · 1 establishment unit since 1993
Ground area
1,819 m²
Building footprint
203 m²
Volume, LiDAR
1,115 m³
2 parcels, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TOITURES PLUS
since 19932.121.939.336
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058D0328/00B000 | Wallonia | 955 m² | 1 · 61 m² | 9.3 m · 3 fl. |
| 52012B0669/00T018 | Wallonia | 864 m² | 1 · 142 m² | 5.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,265 companies in this sector we hold annual accounts for 1,241. 1,033 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded22-03-1993
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
42220Construction of utility projects for electricity and telecommunications
43120Site preparation
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449655178
Also
9925:BE0449655178
Registered
30-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.