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 €152,705 and a net result of €21,867. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 5896 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 €9,000 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.
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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 →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 120 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€341,878
EBIT margin
20.0%
Net result
€21,867
2023 · -€1,720
Working capital
€56,333▼ 48.8%
2023 · €110,020
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€341,878
Operating result€7,960€5,130▼ 35.5%€68,335▲ 1,232%€11,430▼ 83.3%€34,709▲ 204%
Net result€5,180within the sector's middle half-€7,557below the sector's middle half€47,631above the sector's middle half-€1,720below the sector's middle half€21,867within the sector's middle half
EBIT margin20.0%
Equity€92,484within the sector's middle half▲ 5.9%€84,927within the sector's middle half▼ 8.2%€132,558above the sector's middle half▲ 56.1%€130,838above the sector's middle half▼ 1.3%€152,705above the sector's middle half▲ 16.7%
Total assets€371,894above the sector's middle half▲ 49.0%€287,520within the sector's middle half▼ 22.7%€406,014above the sector's middle half▲ 41.2%€330,163above the sector's middle half▼ 18.7%€437,923above the sector's middle half▲ 32.6%
Debt€279,409▲ 72.2%€202,594▼ 27.5%€273,456▲ 35.0%€199,325▼ 27.1%€285,218▲ 43.1%
Working capital€54,227within the sector's middle half▼ 14.8%€70,681above the sector's middle half▲ 30.3%€102,924above the sector's middle half▲ 45.6%€110,020above the sector's middle half▲ 6.9%€56,333within the sector's middle half▼ 48.8%
Solvency24.9%within the sector's middle half▼ 10.1pp29.5%within the sector's middle half▲ 4.7pp32.6%within the sector's middle half▲ 3.1pp39.6%within the sector's middle half▲ 7.0pp34.9%within the sector's middle half▼ 4.8pp
Current ratio1.20within the sector's middle half▼ 0.231.36within the sector's middle half▲ 0.161.42within the sector's middle half▲ 0.061.63within the sector's middle half▲ 0.211.23within the sector's middle half▼ 0.40
Return on assets (ROA)1.4%within the sector's middle half▲ 3.5pp-2.6%below the sector's middle half▼ 4.0pp11.7%within the sector's middle half▲ 14.4pp-0.5%below the sector's middle half▼ 12.3pp5.0%within the sector's middle half▲ 5.5pp
Staff (FTE)0.3below the sector's middle half▼ 40.0%1.30.8▼ 38.5%1▲ 25.0%
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
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 €437,923
Fixed assets
€134,246 ▲ 204%
Current assets
€303,677 ▲ 6.2%
Equity and liabilities €437,923
Equity
€152,705 ▲ 16.7%
Debt
€285,218 ▲ 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
€45,577▲
2023 · €27,606
Cash flow
€32,735▲
2023 · €14,456
Quick ratio
1.22▼
2023 · 1.51
Debt to equity
1.87▲
2023 · 1.52
ROE
14.3%▲
2023 · -1.3%
Interest coverage
21.44▲
2023 · 14.21
Debt ≤ 1 year
€247,343▲
2023 · €175,941
Debt > 1 year
€36,899▲
2023 · €23,255
Income taxes
€10,717▼
2023 · €11,221
Staff costs
€24,272▼
2023 · €33,223
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.8%
went bankrupt
4.0%
stopped otherwise
95%
still going
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 497,338 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% | 1.9% |
| 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 10,905 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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €341,878 | - | - | - |
| Non-recurring operating income76A | €65 | €174 | €25 | €2,138 | €1,500 | ▼ 29.9% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €208,094 | - | - | - |
| Remuneration, social security and pensions62 | €9,602 | €19,938 | €54,799 | €33,223 | €24,272 | ▼ 26.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,561 | €23,707 | €9,525 | €16,176 | €10,868 | ▼ 32.8% |
| Other operating charges640/8 | €1,941 | €3,142 | €4,555 | €1,797 | €11,771 | ▲ 555% |
| Non-recurring operating charges66A | - | - | €631 | €649 | €6 | ▼ 99.1% |
| Gross operating margin9900 | €38,063 | €51,917 | €137,844 | €63,274 | €81,626 | ▲ 29.0% |
| Operating profit (loss)9901 | €7,960 | €5,130 | €68,335 | €11,430 | €34,709 | ▲ 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 | €1,943 | €2,126 | ▲ 9.4% |
| Recurring financial charges65 | €809 | €701 | €856 | €1,943 | €2,126 | ▲ 9.4% |
| Non-recurring financial charges66B | €65 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €7,085 | €4,443 | €67,549 | €9,501 | €32,584 | ▲ 243% |
| Income taxes67/77 | €1,905 | €12,000 | €19,918 | €11,221 | €10,717 | ▼ 4.5% |
| Profit (loss) for the period9904 | €5,180 | -€7,557 | €47,631 | -€1,720 | €21,867 | ▲ 1,371% |
| Profit (loss) for the period to be appropriated9905 | €5,180 | -€7,557 | €47,631 | -€1,720 | €21,867 | ▲ 1,371% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €371,894 | €287,520 | €406,014 | €330,163 | €437,923 | ▲ 32.6% |
| Fixed assets21/28 | €43,336 | €21,488 | €58,154 | €44,202 | €134,246 | ▲ 204% |
| Tangible fixed assets22/27 | €43,336 | €21,488 | €58,154 | €44,202 | €134,246 | ▲ 204% |
| Land and buildings22 | - | - | - | - | €87,783 | - |
| Plant, machinery and equipment23 | €1,645 | €1,468 | €5,824 | €4,058 | €3,697 | ▼ 8.9% |
| Furniture and vehicles24 | €41,691 | €20,020 | €52,329 | €40,144 | €42,767 | ▲ 6.5% |
| Financial fixed assets28 | - | - | - | €0 | - | - |
| Current assets29/58 | €328,557 | €266,032 | €347,860 | €285,961 | €303,677 | ▲ 6.2% |
| Stocks and contracts in progress3 | €7,200 | €16,711 | €9,500 | €20,283 | €2,675 | ▼ 86.8% |
| Stocks30/36 | €7,200 | €16,711 | €9,500 | €10,500 | €2,675 | ▼ 74.5% |
| Contracts in progress37 | - | - | - | €9,783 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €241,572 | €139,015 | €238,450 | €138,489 | €220,007 | ▲ 58.9% |
| Trade receivables40 | €237,118 | €111,950 | €206,010 | €115,633 | €187,829 | ▲ 62.4% |
| Other amounts receivable41 | €4,455 | €27,065 | €32,440 | €22,856 | €32,179 | ▲ 40.8% |
| Current investments50/53 | - | €0 | - | - | - | - |
| Cash at bank and in hand54/58 | €79,686 | €109,111 | €98,070 | €124,299 | €80,994 | ▼ 34.8% |
| Deferred charges and accrued income490/1 | €99 | €1,195 | €1,839 | €2,891 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €371,894 | €287,520 | €406,014 | €330,163 | €437,923 | ▲ 32.6% |
| Equity10/15 | €92,484 | €84,927 | €132,558 | €130,838 | €152,705 | ▲ 16.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Uncalled capital101 | €12,400 | - | - | - | - | - |
| Outside capital11 | €0 | €6,200 | €6,200 | €6,200 | - | - |
| Other1109/19 | - | €6,200 | €6,200 | €6,200 | - | - |
| Reserves13 | €40,860 | €40,860 | €40,860 | €40,860 | €40,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €39,000 | €39,000 | €39,000 | €39,000 | €39,000 | = |
| Profit (loss) carried forward14 | €45,424 | €37,867 | €85,498 | €83,778 | €105,645 | ▲ 26.1% |
| Amounts payable17/49 | €279,409 | €202,594 | €273,456 | €199,325 | €285,218 | ▲ 43.1% |
| Amounts payable after more than one year17 | €5,033 | €4,722 | €28,400 | €23,255 | €36,899 | ▲ 58.7% |
| Financial debts170/4 | €5,033 | €4,722 | €28,400 | €23,255 | €36,899 | ▲ 58.7% |
| Amounts payable within one year42/48 | €274,330 | €195,351 | €244,936 | €175,941 | €247,343 | ▲ 40.6% |
| Current portion of amounts payable after more than one year42 | €7,102 | €0 | €8,100 | €6,780 | €12,791 | ▲ 88.7% |
| Trade debts44 | €219,286 | €152,665 | €166,049 | €101,232 | €150,995 | ▲ 49.2% |
| Suppliers440/4 | €219,286 | €152,665 | €166,049 | €101,232 | €150,995 | ▲ 49.2% |
| Advances received on contracts in progress46 | €5,668 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €39,926 | €42,686 | €70,455 | €67,928 | €74,743 | ▲ 10.0% |
| Taxes450/3 | €11,793 | €23,819 | €32,817 | €32,750 | €21,899 | ▼ 33.1% |
| Remuneration and social security454/9 | €28,133 | €18,868 | €37,638 | €35,178 | €52,844 | ▲ 50.2% |
| Other amounts payable47/48 | €2,348 | €0 | €332 | €0 | €8,814 | - |
| Accrued charges and deferred income492/3 | €46 | €2,521 | €120 | €129 | €975 | ▲ 655% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,180 | -€7,557 | €47,631 | -€1,720 | €21,867 | ▲ 1,371% |
| + Depreciation and write-downs630 | €18,561 | €23,707 | €9,525 | €16,176 | €10,868 | ▼ 32.8% |
| Operating cash flow (approximation) | €23,742 | €16,149 | €57,156 | €14,456 | €32,735 | ▲ 126% |
| Investment in fixed assets (approximation) | - | -€1,859 | -€46,190 | -€2,224 | -€100,912 | ▼ 4,437% |
| Change in cash | - | €29,425 | -€11,041 | €26,228 | -€43,304 | ▼ 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 €21,867
Net result €21,867 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €152,705 ▲16.7%
Equity rises from €130,838 to €152,705.
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 €47,631
Net result €47,631 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €132,558 ▲56.1%
Equity rises from €84,927 to €132,558.
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 -€7,557
Net result drops to -€7,557, the lowest in the series; recovery starts the following year.
2020
31-12
Financial
Back to profitnet €5,180
Net result €5,180 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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WHITE ZEBRA
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Of 6,995 companies in sector 81220 we hold annual accounts for 2,414. 1,915 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
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807485606
Also
9925:BE0807485606
Registered
02-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.