TOP BATIMENT
ActiveThe computed 12-month bankruptcy probability of TOP BATIMENT is 1.6% (moderate). The 2025 annual accounts show equity of €48k and a net result of €-13k. Equity is growing by ~55.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 7330 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability14▼-46
Solvency20▼-12
Growth63▼-7
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.94 against 0.99 in 2024), and 85.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2025Solvency, return and age of the figures
Solvency
14.8%
Return on assets
-3.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7330 sector peers (2025).
NBB · sector comparisonPosition among 7330 sector peers
Solvency
better than 21%
← weakest
strongest →
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 29-06-2026, 32 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
32 d early
2024
24 d early
2023
2 d late
2022
31 d early
2021
38 d early
2020
37 d early
2019
47 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€791k▼ 32.4%
2024 · €1.17M
2018: €800k
2019: €1.05M
2020: €1.05M
2021: €951k
2022: €1.02M
2023: €1.45M
2024: €1.17M
2018 → 2025
EBIT margin
-0.8%▼ 5.7pp
2024 · 4.9%
2018: -1.9%
2019: 0.8%
2020: 4.1%
2021: 2.0%
2022: -2.2%
2023: 0.6%
2024: 4.9%
2018 → 2025
Net result
€-13k
2024 · €38k
2018: €-16k
2019: €2k
2020: €28k
2021: €10k
2022: €-28k
2023: €-2k
2024: €38k
2018 → 2025
Working capital
€-10k▼ 1,140%
2024 · €-805
2018: €-14k
2019: €-25k
2020: €13k
2021: €56k
2022: €2k
2023: €11k
2024: €-805
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€951k-€1.02M▲ 7.4%€1.45M▲ 42.3%€1.17M▼ 19.5%€791k▼ 32.4%
Equity€47k-€17k▼ 63.4%€25k▲ 44.7%€62k▲ 146%€48k▼ 21.7%
Operating result€19k-€-22k€9k€58k▲ 564%€-6k
Net result€10k-€-28k€-2k▲ 94.0%€38k€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €58k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326k
Fixed assets
€179k▲ 35.7%
Current assets
€147k▲ 4.6%
Equity and liabilities €326k
Equity
€48k▼ 21.7%
Debt
€278k▲ 31.7%
The debt ratio rises from 77.4% to 85.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€39k▼
2024 · €95k
Cash flow
€33k▼
2024 · €75k
Solvency
14.8%▼
2024 · 22.6%
Current ratio
0.94▼
2024 · 0.99
Quick ratio
0.94▼
2024 · 0.99
Debt / equity
5.75▲
2024 · 3.42
ROE
-26.0%▼
2024 · 61.2%
ROA
-3.9%▼
2024 · 13.8%
Interest coverage
5.72▼
2024 · 20.18
Debt
€278k▲
2024 · €211k
Debt ≤ 1 year
€157k▲
2024 · €142k
Debt > 1 year
€90k▲
2024 · €60k
Income taxes
€558▼
2024 · €19k
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€273k€326k▲
Fixed assets21/28€132k€179k▲
Tangible fixed assets22/27€130k€177k▲
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€125k€174k▲
Other tangible fixed assets26€41-
Financial fixed assets28€2k€2k=
Current assets29/58€141k€147k▲
Amounts receivable after more than one year29€33k€45k▲
Other amounts receivable291€33k€45k▲
Amounts receivable within one year40/41€93k€93k▲
Trade receivables40€66k€80k▲
Other amounts receivable41€27k€13k▼
Cash at bank and in hand54/58€4k-
Deferred charges and accrued income490/1€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€273k€326k▲
Equity10/15€62k€48k▼
Contributions10/11€19k€19k=
Reserves13€208€208=
Distributable reserves133€208€208=
Profit (loss) carried forward14€42k€29k▼
Investment grants15€791-
Amounts payable17/49€211k€278k▲
Amounts payable after more than one year17€60k€90k▲
Financial debts170/4€60k€90k▲
Amounts payable within one year42/48€142k€157k▲
Current portion of amounts payable after more than one year42€23k€38k▲
Financial debts43-€55k
Credit institutions430/8-€55k
Trade debts44€92k€43k▼
Suppliers440/4€92k€43k▼
Taxes, remuneration and social security45€26k€21k▼
Taxes450/3€24k€21k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48-€73
Accrued charges and deferred income492/3€9k€31k▲
Income statement
Code20242025
Turnover70€1.17M€791k▼
Goods, raw materials, services and sundry goods60/61€1.08M€748k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€45k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€98k€43k▼
Operating profit (loss)9901€58k€-6k▼
Financial income75/76B€4k€792▼
Recurring financial income75€4k€792▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€57k€-12k▼
Income taxes67/77€19k€558▼
Profit (loss) for the period9904€38k€-13k▼
Profit (loss) for the period to be appropriated9905€38k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€29k▼
Profit (loss) brought forward from the previous period14P€4k€42k▲
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
31-07
State Gazette act
Capital & shares · Resignations & appointmentsGeneral meeting · Member resignation · Share transfer9 facts ▸
State Gazette act
Capital & shares · Resignations & appointments
General meeting · Member resignation · Share transfer9 facts ▸
- General meeting, 09/06/2026
- Member resignation, Gainski Adam
- Member resignation, Borys Piotr
- Member resignation, Zawadski Andrzej
- Member resignation, Chim Andrzej
- Share transfer, Gainski Adam → Andrzej Topczewski
- Share transfer, Borys Piotr → Andrzej Topczewski
- Share transfer, Zawadski Andrzej → Andrzej Topczewski
- Share transfer, Chim Andrzej → Andrzej Topczewski
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-28k ▼374%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Agatha-Berchem · 1 establishment unit since 2009
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.
Bloemkwekersstraat 481082 Sint-Agatha-BerchemGround area
563 m²
Building footprint
176 m²
Volume, LiDAR
1,830 m³
2 parcels, Brussels · tallest building 17.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Top Batiment
since 20092.177.203.996
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0312/00E011 | Brussels | 344 m² | 1 · 98 m² | 17.2 m · 4 fl. |
| 21003A0303/00K008 | Brussels | 219 m² | 1 · 78 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Capital and shareholders
Transfer of shares from Gainski Adam to Andrzej Topczewski
From the act
“Le transfert de la part détenue par chaque associé est retranscrit ce jour dans le livre des parts vers Monsieur Andrzej Topczewski.”
Transfer of shares from Borys Piotr to Andrzej Topczewski
From the act
“Le transfert de la part détenue par chaque associé est retranscrit ce jour dans le livre des parts vers Monsieur Andrzej Topczewski.”
Transfer of shares from Zawadski Andrzej to Andrzej Topczewski
From the act
“Le transfert de la part détenue par chaque associé est retranscrit ce jour dans le livre des parts vers Monsieur Andrzej Topczewski.”
Transfer of shares from Chim Andrzej to Andrzej Topczewski
From the act
“Le transfert de la part détenue par chaque associé est retranscrit ce jour dans le livre des parts vers Monsieur Andrzej Topczewski.”
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 12,915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43320Joinery installation
43341Painting of buildings
43350Other building finishing work
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.