TOMA FACADE
ActiveSummary
TOMA FACADE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €153k and a net result of €22k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 5893 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability75▲+7
Solvency60▼-5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.63 in 2023; short-term debt: 56.5% and cash: 18.5% of total assets), and 65.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
56 d late
2022
144 d late
2021
106 d late
2020
255 d late
2019
97 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€342k
EBIT margin
20.0%
Net result
€22k
2023 · €-2k
2018: €12k
2019: €-5k▼ -144% vs 2018
2020: €5k▲ +200% vs 2019
2021: €-8k▼ -246% vs 2020lowest in 7 years
2022: €48k▲ +730% vs 2021highest in 7 years
2023: €-2k▼ -104% vs 2022
2024: €22k▲ +1371% vs 2023
2018 → 2024
Working capital
€56k▼ 48.8%
2023 · €110k
2018: €56k
2019: €64k▲ +12.9% vs 2018
2020: €54k▼ -14.8% vs 2019lowest in 7 years
2021: €71k▲ +30.3% vs 2020
2022: €103k▲ +45.6% vs 2021
2023: €110k▲ +6.9% vs 2022highest in 7 years
2024: €56k▼ -48.8% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€342k
Equity€92k-€85k▼ 8.2%€133k▲ 56.1%€131k▼ 1.3%€153k▲ 16.7%
2020: €92k
2021: €85k▼ -8.2% vs 2020lowest in 5 years
2022: €133k▲ +56.1% vs 2021
2023: €131k▼ -1.3% vs 2022
2024: €153k▲ +16.7% vs 2023highest in 5 years
Operating result€8k-€5k▼ 35.5%€68k▲ 1,232%€11k▼ 83.3%€35k▲ 204%
2020: €8k
2021: €5k▼ -35.5% vs 2020lowest in 5 years
2022: €68k▲ +1232% vs 2021highest in 5 years
2023: €11k▼ -83.3% vs 2022
2024: €35k▲ +204% vs 2023
Net result€5k-€-8k€48k€-2k€22k
2020: €5k
2021: €-8k▼ -246% vs 2020lowest in 5 years
2022: €48k▲ +730% vs 2021highest in 5 years
2023: €-2k▼ -104% vs 2022
2024: €22k▲ +1371% vs 2023
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 204% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €438k
Fixed assets
€134k ▲ 204%
Current assets
€304k ▲ 6.2%
Equity and liabilities €438k
Equity
€153k ▲ 16.7%
Debt
€285k ▲ 43.1%
Debt's share of the balance-sheet total rises from 60.4% to 65.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2023 · €28k
Cash flow
€33k▲
2023 · €14k
Current ratio
1.23▼
2023 · 1.63
Quick ratio
1.22▼
2023 · 1.51
Debt to equity
1.87▲
2023 · 1.52
ROE
14.3%▲
2023 · -1.3%
ROA
5.0%▲
2023 · -0.5%
Interest coverage
21.44▲
2023 · 14.21
Debt ≤ 1 year
€247k▲
2023 · €176k
Debt > 1 year
€37k▲
2023 · €23k
Income taxes
€11k▼
2023 · €11k
Staff costs
€24k▼
2023 · €33k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 55 lines
Balance sheet
Code20232024
Assets
Total assets20/58€330k€438k▲
Fixed assets21/28€44k€134k▲
Tangible fixed assets22/27€44k€134k▲
Land and buildings22-€88k
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€40k€43k▲
Financial fixed assets28€0-
Current assets29/58€286k€304k▲
Stocks and contracts in progress3€20k€3k▼
Stocks30/36€11k€3k▼
Contracts in progress37€10k€0▼
Amounts receivable within one year40/41€138k€220k▲
Trade receivables40€116k€188k▲
Other amounts receivable41€23k€32k▲
Cash at bank and in hand54/58€124k€81k▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€330k€438k▲
Equity10/15€131k€153k▲
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13€41k€41k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€84k€106k▲
Amounts payable17/49€199k€285k▲
Amounts payable after more than one year17€23k€37k▲
Financial debts170/4€23k€37k▲
Amounts payable within one year42/48€176k€247k▲
Current portion of amounts payable after more than one year42€7k€13k▲
Trade debts44€101k€151k▲
Suppliers440/4€101k€151k▲
Taxes, remuneration and social security45€68k€75k▲
Taxes450/3€33k€22k▼
Remuneration and social security454/9€35k€53k▲
Other amounts payable47/48€0€9k▲
Accrued charges and deferred income492/3€129€975▲
Income statement
Code20232024
Non-recurring operating income76A€2k€2k▼
Remuneration, social security and pensions62€33k€24k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€11k▼
Other operating charges640/8€2k€12k▲
Non-recurring operating charges66A€649€6▼
Gross operating margin9900€63k€82k▲
Operating profit (loss)9901€11k€35k▲
Financial income75/76B€15€0▼
Recurring financial income75€15€0▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€10k€33k▲
Income taxes67/77€11k€11k▼
Profit (loss) for the period9904€-2k€22k▲
Profit (loss) for the period to be appropriated9905€-2k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€106k▲
Profit (loss) brought forward from the previous period14P€85k€84k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €342k | - | - | - |
| Non-recurring operating income76A | €65 | €174 | €25 | €2k | €2k | ▼ 29.9% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €208k | - | - | - |
| Remuneration, social security and pensions62 | €10k | €20k | €55k | €33k | €24k | ▼ 26.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19k | €24k | €10k | €16k | €11k | ▼ 32.8% |
| Other operating charges640/8 | €2k | €3k | €5k | €2k | €12k | ▲ 555% |
| Non-recurring operating charges66A | - | - | €631 | €649 | €6 | ▼ 99.1% |
| Gross operating margin9900 | €38k | €52k | €138k | €63k | €82k | ▲ 29.0% |
| Operating profit (loss)9901 | €8k | €5k | €68k | €11k | €35k | ▲ 204% |
| Financial income75/76B | - | €14 | €71 | €15 | €0 | ▼ 99.3% |
| Recurring financial income75 | - | €14 | €71 | €15 | €0 | ▼ 99.3% |
| Financial charges65/66B | €874 | €701 | €856 | €2k | €2k | ▲ 9.4% |
| Recurring financial charges65 | €809 | €701 | €856 | €2k | €2k | ▲ 9.4% |
| Non-recurring financial charges66B | €65 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €7k | €4k | €68k | €10k | €33k | ▲ 243% |
| Income taxes67/77 | €2k | €12k | €20k | €11k | €11k | ▼ 4.5% |
| Profit (loss) for the period9904 | €5k | €-8k | €48k | €-2k | €22k | ▲ 1,371% |
| Profit (loss) for the period to be appropriated9905 | €5k | €-8k | €48k | €-2k | €22k | ▲ 1,371% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €372k | €288k | €406k | €330k | €438k | ▲ 32.6% |
| Fixed assets21/28 | €43k | €21k | €58k | €44k | €134k | ▲ 204% |
| Tangible fixed assets22/27 | €43k | €21k | €58k | €44k | €134k | ▲ 204% |
| Land and buildings22 | - | - | - | - | €88k | - |
| Plant, machinery and equipment23 | €2k | €1k | €6k | €4k | €4k | ▼ 8.9% |
| Furniture and vehicles24 | €42k | €20k | €52k | €40k | €43k | ▲ 6.5% |
| Financial fixed assets28 | - | - | - | €0 | - | - |
| Current assets29/58 | €329k | €266k | €348k | €286k | €304k | ▲ 6.2% |
| Stocks and contracts in progress3 | €7k | €17k | €10k | €20k | €3k | ▼ 86.8% |
| Stocks30/36 | €7k | €17k | €10k | €11k | €3k | ▼ 74.5% |
| Contracts in progress37 | - | - | - | €10k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €242k | €139k | €238k | €138k | €220k | ▲ 58.9% |
| Trade receivables40 | €237k | €112k | €206k | €116k | €188k | ▲ 62.4% |
| Other amounts receivable41 | €4k | €27k | €32k | €23k | €32k | ▲ 40.8% |
| Current investments50/53 | - | €0 | - | - | - | - |
| Cash at bank and in hand54/58 | €80k | €109k | €98k | €124k | €81k | ▼ 34.8% |
| Deferred charges and accrued income490/1 | €99 | €1k | €2k | €3k | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €372k | €288k | €406k | €330k | €438k | ▲ 32.6% |
| Equity10/15 | €92k | €85k | €133k | €131k | €153k | ▲ 16.7% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | €6k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Uncalled capital101 | €12k | - | - | - | - | - |
| Outside capital11 | €0 | €6k | €6k | €6k | - | - |
| Other1109/19 | - | €6k | €6k | €6k | - | - |
| Reserves13 | €41k | €41k | €41k | €41k | €41k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €39k | €39k | €39k | €39k | €39k | = |
| Profit (loss) carried forward14 | €45k | €38k | €85k | €84k | €106k | ▲ 26.1% |
| Amounts payable17/49 | €279k | €203k | €273k | €199k | €285k | ▲ 43.1% |
| Amounts payable after more than one year17 | €5k | €5k | €28k | €23k | €37k | ▲ 58.7% |
| Financial debts170/4 | €5k | €5k | €28k | €23k | €37k | ▲ 58.7% |
| Amounts payable within one year42/48 | €274k | €195k | €245k | €176k | €247k | ▲ 40.6% |
| Current portion of amounts payable after more than one year42 | €7k | €0 | €8k | €7k | €13k | ▲ 88.7% |
| Trade debts44 | €219k | €153k | €166k | €101k | €151k | ▲ 49.2% |
| Suppliers440/4 | €219k | €153k | €166k | €101k | €151k | ▲ 49.2% |
| Advances received on contracts in progress46 | €6k | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €40k | €43k | €70k | €68k | €75k | ▲ 10.0% |
| Taxes450/3 | €12k | €24k | €33k | €33k | €22k | ▼ 33.1% |
| Remuneration and social security454/9 | €28k | €19k | €38k | €35k | €53k | ▲ 50.2% |
| Other amounts payable47/48 | €2k | €0 | €332 | €0 | €9k | - |
| Accrued charges and deferred income492/3 | €46 | €3k | €120 | €129 | €975 | ▲ 655% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €-8k | €48k | €-2k | €22k | ▲ 1,371% |
| + Depreciation and write-downs630 | €19k | €24k | €10k | €16k | €11k | ▼ 32.8% |
| Operating cash flow (approximation) | €24k | €16k | €57k | €14k | €33k | ▲ 126% |
| Investment in fixed assets (approximation) | - | €-2k | €-46k | €-2k | €-101k | ▼ 4,437% |
| Change in cash | - | €29k | €-11k | €26k | €-43k | ▼ 265% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €150kEq €153k ▲16.7%
Equity rises from €131k to €153k.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 144 days late
2022
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
31-12
Financial
Equity above €100kEq €133k ▲56.1%
Equity rises from €85k to €133k.
14-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 106 days late
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 255 days late
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 97 days late
Show earlier events
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 189 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 58 days late
2016
22-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 53 days late
2015
29-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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 2008
Ground area
189 m²
Building footprint
55 m²
Volume, LiDAR
538 m³
Parcel 62817B0449/00A007, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TOMA FACADE
since 20082.177.219.438
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62817B0449/00A007 | Wallonia | 188 m² | 1 · 55 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,006 companies in sector 81220 we hold annual accounts for 2,414. 1,916 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
81220Other building cleaning and industrial cleaning
Contact
Phone
0485-921695Liège
Scores and ratios are computed by Checked and are not a credit decision.