Toitures Rada
ActiveThe computed 12-month bankruptcy probability of Toitures Rada is 2.3% (moderate). The 2025 annual accounts show equity of €32k and a net result of €9k. Its solvency ranks better than 56% of 27711 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency78▲+9
Growth52
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.07 against 2.74 in 2024; short-term debt: 22.5% and cash: 32.8% of total assets), and 47.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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 · 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
52.9%
Return on assets
15.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
7 d late
2024
28 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▲ 40.9%
2024 · €23k
2024: €23k
2024 → 2025
Total assets
€61k▲ 16.7%
2024 · €53k
2024: €53k
2024 → 2025
Net result
€9k▼ 44.7%
2024 · €17k
2024: €17k
2024 → 2025
Working capital
€29k▲ 69.0%
2024 · €17k
2024: €17k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€23k-€32k▲ 40.9%
Operating result€21k-€13k▼ 40.6%
Net result€17k-€9k▼ 44.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€19k▼ 27.0%
Current assets
€42k▲ 59.1%
Equity and liabilities €61k
Equity
€32k▲ 40.9%
Debt
€29k▼ 2.3%
The debt ratio falls from 56.2% to 47.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €25k
Cash flow
€16k▼
2024 · €20k
Solvency
52.9%▲
2024 · 43.8%
Current ratio
3.07▲
2024 · 2.74
Quick ratio
3.07▲
2024 · 2.74
Debt / equity
0.89▼
2024 · 1.28
ROE
29.0%▼
2024 · 73.9%
ROA
15.4%▼
2024 · 32.4%
Interest coverage
16.99▼
2024 · 62.60
Debt
€29k▼
2024 · €30k
Debt ≤ 1 year
€14k▲
2024 · €10k
Debt > 1 year
€15k▼
2024 · €20k
Income taxes
€3k▼
2024 · €5k
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€53k€61k▲
Fixed assets21/28€26k€19k▼
Tangible fixed assets22/27€26k€19k▼
Furniture and vehicles24€26k€19k▼
Current assets29/58€27k€42k▲
Amounts receivable within one year40/41€23k€22k▼
Trade receivables40€2k€5k▲
Other amounts receivable41€21k€17k▼
Cash at bank and in hand54/58€3k€20k▲
Deferred charges and accrued income490/1€328€524▲
Equity and liabilities
Total equity and liabilities10/49€53k€61k▲
Equity10/15€23k€32k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€17k€26k▲
Amounts payable17/49€30k€29k▼
Amounts payable after more than one year17€20k€15k▼
Financial debts170/4€20k€15k▼
Amounts payable within one year42/48€10k€14k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Suppliers440/4€0€0=
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€422€400▼
Gross operating margin9900€25k€20k▼
Operating profit (loss)9901€21k€13k▼
Financial income75/76B€473€880▲
Recurring financial income75€473€880▲
Financial charges65/66B€395€1k▲
Recurring financial charges65€395€1k▲
Profit (loss) for the period before taxes9903€22k€12k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€17k€9k▼
Profit (loss) for the period to be appropriated9905€17k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€26k▲
Profit (loss) brought forward from the previous period14P-€17k
The notes to these accounts (7 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
NBB filing
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, Geraardsbergen
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.
Hasseltsestraat(Oph) 239500 GeraardsbergenGround area
471 m²
Building footprint
114 m²
Volume, LiDAR
573 m³
Parcel 41053A0875/00C002, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41053A0875/00C002 | Flanders | 471 m² | 1 · 114 m² | 9.9 m · 1 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
TOITURES DELHEZ
BE 0736.533.965
Etterbeek · Eq €32k
PIOTRPOL
BE 0479.950.060
Meise · Eq €32k
BERGHMANS & SCHILLINGS
BE 0880.450.885
Remicourt · Eq €33k
D.H. Construct
BE 0503.823.344
Profondeville · Eq €33k
TOITURE DI PANE
BE 0871.914.489
Binche · Eq €32k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2024
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43120Site preparation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43421Specialised construction activities
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.