TOJA
ActiveTOJA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €73k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 19% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+66
Solvency37▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.3 in 2024; short-term debt: 81.3% and cash: 0.2% of total assets), and 88.1% 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
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
11.9%
Return on assets
4.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8002 sector peers (2025).
NBB · sector comparisonPosition among 8002 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
61 d late
2022
24 d late
2021
12 d late
2020
31 d late
2019
53 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€73k
2024 · €-147k
2018: €4k
2019: €365k
2020: €-13k
2021: €-95k
2022: €127k
2023: €-48k
2024: €-147k
2018 → 2025
Working capital
€-849k▲ 17.7%
2024 · €-1.03M
2018: €17k
2019: €381k
2020: €352k
2021: €73k
2022: €149k
2023: €-998k
2024: €-1.03M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€287k-€414k▲ 44.2%€288k▼ 30.5%€141k▼ 50.9%€214k▲ 51.3%
Operating result€-99k-€137k€-32k€-142k▼ 343%€84k
Net result€-95k-€127k€-48k€-147k▼ 207%€73k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €84k after a loss of €142k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€1.18M▼ 7.9%
Current assets
€607k▲ 36.4%
Equity and liabilities €1.79M
Equity
€214k▲ 51.3%
Provisions
€62k▼ 11.2%
Debt
€1.52M▼ 0.2%
The debt ratio falls from 87.8% to 84.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€190k▲
2024 · €-36k
Cash flow
€179k▲
2024 · €-41k
Solvency
11.9%▲
2024 · 8.2%
Current ratio
0.42▲
2024 · 0.30
Quick ratio
0.42▲
2024 · 0.30
Debt / equity
7.08▼
2024 · 10.74
ROE
33.9%▲
2024 · -103.6%
ROA
4.1%▲
2024 · -8.5%
Interest coverage
9.79▲
2024 · -2.21
Debt
€1.52M▼
2024 · €1.52M
Debt ≤ 1 year
€1.46M▼
2024 · €1.48M
Income taxes
€4k▲
2024 · €214
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€1.73M€1.79M▲
Fixed assets21/28€1.29M€1.18M▼
Tangible fixed assets22/27€1.29M€1.18M▼
Land and buildings22€92k€90k▼
Plant, machinery and equipment23€1k€946▼
Furniture and vehicles24€953k€854k▼
Assets under construction and advance payments27€240k€240k=
Current assets29/58€445k€607k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€442k€601k▲
Trade receivables40€117k€287k▲
Other amounts receivable41€324k€314k▼
Cash at bank and in hand54/58€158€3k▲
Deferred charges and accrued income490/1€795€135▼
Equity and liabilities
Total equity and liabilities10/49€1.73M€1.79M▲
Equity10/15€141k€214k▲
Contributions10/11€13k€13k=
Reserves13€290k€258k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€280k€249k▼
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-161k€-57k▲
Provisions and deferred taxes16€70k€62k▼
Deferred taxes168€70k€62k▼
Amounts payable17/49€1.52M€1.52M▼
Amounts payable within one year42/48€1.48M€1.46M▼
Trade debts44€1.03M€1.07M▲
Suppliers440/4€1.03M€1.07M▲
Taxes, remuneration and social security45€24k€20k▼
Taxes450/3€24k€20k▼
Other amounts payable47/48€426k€368k▼
Accrued charges and deferred income492/3€43k€59k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106k€106k▲
Other operating charges640/8€9k€9k▲
Gross operating margin9900€-28k€199k▲
Operating profit (loss)9901€-142k€84k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€17k€19k▲
Recurring financial charges65€17k€19k▲
Profit (loss) for the period before taxes9903€-154k€69k▲
Transfer from deferred taxes780€8k€8k=
Income taxes67/77€214€4k▲
Profit (loss) for the period9904€-147k€73k▲
Transfer from tax-exempt reserves789€31k€31k=
Profit (loss) for the period to be appropriated9905€-115k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-161k€-57k▲
Profit (loss) brought forward from the previous period14P€-46k€-161k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €73k
Net result €73k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €214k ▲51.3%
Equity rises from €141k to €214k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-147k
Net result drops to €-147k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
31-12
Financial
Back to profitnet €127k
Net result €127k after 2 loss-making years.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 12 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
31-12
Financial
Highest result since 2018net €365k ▲10049%
Operating result €367k, net result €365k, both a record.
31-12
Financial
Liquidity times 442current ratio 548.03
Current ratio from 1.24 to 548.03; short-term debt falls from €71k to €696.
31-12
Financial
Equity above €200kEq €394k ▲1229%
2 profitable years in a row build equity to €394k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Liège · 1 establishment unit since 1998
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.
Rue des Petites-Roches 1134000 LiègeGround area
4,873 m²
Building footprint
401 m²
Volume, LiDAR
3,735 m³
Parcel 62812C0171/00G000, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Petites-Roches 113, 4000 Liège
since 19982.070.752.238
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62812C0171/00G000 ProtectedSite or landscape |
Wallonia | 4,873 m² | 1 · 401 m² | 12.8 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
INTEDE
BE 0405.008.256
Brussel · Eq €218k
NRGcare
BE 0438.592.527
Nazareth-De Pinte · Eq €210k
COCOONS & CO
BE 0454.943.460
Verviers · Eq €210k
WAPITI
BE 0453.026.424
Temse · Eq €219k
VALATEX
BE 0434.895.639
Retie · Eq €208k
Of 687 companies in sector 46412 we hold annual accounts for 517. 408 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-1995
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
51410
46425Wholesale trade
68110Buying and selling of own real estate
70120
77110Renting and leasing of cars and light motor vehicles
77210Renting and leasing of sports and recreation goods
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.