TOPRENO CONSTRUCT

Active

Private limited companyfounded 201213 yrs activeKeizer Karellaan 298, 1083 Ganshoren, BelgiumKBO/BCE: BE 0500.461.107

The computed 12-month bankruptcy probability of TOPRENO CONSTRUCT is 1.6% (moderate). The 2024 annual accounts show equity of €231k and a net result of €12k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 63% of 9984 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

86 / 100

Excellent▼ -14 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability27▼-46

Solvency97▼-2

Growth78=

Stability100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €20k at 30 days acceptable

Liquidity ample (current ratio 3.23 against 2.46 in 2023), and 45.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

6 d early

2023

31 d late

2022

30 d late

2021

29 d late

2020

61 d late

2019

89 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€231k▲ 5.7%

2023 · €219k

2018: €159k 2019: €188k 2020: €199k 2021: €223k 2022: €187k 2023: €219k

2018 → 2024

Total assets

€425k▲ 17.9%

2023 · €361k

2018: €246k 2019: €345k 2020: €344k 2021: €372k 2022: €307k 2023: €361k

2018 → 2024

Net result

€12k▼ 60.9%

2023 · €32k

2018: €4k 2021: €23k 2022: €-35k 2023: €32k

2018 → 2024

Working capital

€276k▲ 33.2%

2023 · €207k

2018: €177k 2019: €239k 2020: €160k 2021: €218k 2022: €164k 2023: €207k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€199k-€223k▲ 11.7%€187k▼ 15.9%€219k▲ 17.0%€231k▲ 5.7%

Operating result€7k-€32k▲ 371%€-35k€37k€18k▼ 50.4%

Net result€23k€-35k€32k€12k▼ 60.9%

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 2024; 2024 is 50% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €425k

94.0%

Fixed assets €26k▲ 114%

Current assets €399k▲ 14.6%

Equity and liabilities €425k

54.4%

45.6%

Equity €231k▲ 5.7%

Debt €194k▲ 36.8%

The debt ratio rises from 39.3% to 45.6%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€41k▼

2023 · €48k

Cash flow

€35k▼

2023 · €43k

Solvency

54.4%▼

2023 · 60.7%

Current ratio

3.23▲

2023 · 2.46

Quick ratio

3.23▲

2023 · 2.46

Debt / equity

0.84▲

2023 · 0.65

ROE

5.4%▼

2023 · 14.5%

ROA

2.9%▼

2023 · 8.8%

Interest coverage

43.80▼

2023 · 49.30

Debt

€194k▲

2023 · €142k

Debt ≤ 1 year

€124k▼

2023 · €142k

Debt > 1 year

€8k

Income taxes

€5k▲

2023 · €4k

Staff costs

€2k▼

2023 · €8k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€361k€425k▲

Fixed assets21/28€12k€26k▲

Tangible fixed assets22/27€12k€26k▲

Plant, machinery and equipment23€434€171▼

Furniture and vehicles24€12k€25k▲

Other tangible fixed assets26€0€0=

Current assets29/58€349k€399k▲

Amounts receivable within one year40/41€174k€363k▲

Trade receivables40€160k€354k▲

Other amounts receivable41€14k€9k▼

Cash at bank and in hand54/58€171k€36k▼

Deferred charges and accrued income490/1€3k-

Equity and liabilities

Total equity and liabilities10/49€361k€425k▲

Equity10/15€219k€231k▲

Contributions10/11€19k€19k=

Reserves13€148k€160k▲

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Tax-exempt reserves132€19k€19k=

Distributable reserves133€127k€139k▲

Profit (loss) carried forward14€53k€53k=

Amounts payable17/49€142k€194k▲

Amounts payable after more than one year17-€8k

Financial debts170/4-€8k

Amounts payable within one year42/48€142k€124k▼

Current portion of amounts payable after more than one year42-€7k

Trade debts44€105k€77k▼

Suppliers440/4€105k€77k▼

Advances received on contracts in progress46€4k€4k=

Taxes, remuneration and social security45€1k€12k▲

Taxes450/3-€2k

Remuneration and social security454/9€1k€10k▲

Other amounts payable47/48€32k€25k▼

Accrued charges and deferred income492/3-€62k

Income statement Code20232024

Remuneration, social security and pensions62€8k€2k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€22k▲

Other operating charges640/8€1k€1k▲

Gross operating margin9900€57k€44k▼

Operating profit (loss)9901€37k€18k▼

Financial charges65/66B€982€926▼

Recurring financial charges65€982€926▼

Profit (loss) for the period before taxes9903€36k€17k▼

Income taxes67/77€4k€5k▲

Profit (loss) for the period9904€32k€12k▼

Profit (loss) for the period to be appropriated9905€32k€12k▼

Appropriation of the result

Profit (loss) to be appropriated9906€84k€65k▼

Profit (loss) brought forward from the previous period14P€53k€53k=

Transfer to equity691/2€32k€12k▼

To the legal reserve6920€32k€12k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

25-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

31-12

Financial Back to profitnet €32k

Net result €32k after one loss-making year.

31-12

Financial Equity above €200kEq €219k ▲17%

Equity rises from €187k to €219k.

30-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

2022

31-12

Financial Weakest financial yearnet €-35k ▼252%

Net result drops to €-35k, the lowest in the series; recovery starts the following year.

29-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 29 days late

2021

31-12

Financial Equity above €200kEq €223k ▲11.7%

Equity rises from €199k to €223k.

30-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 61 days late

2020

28-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 89 days late

2019

28-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 28 days late

2018

28-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 28 days late

2017

30-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 30 days late

2016

13-09

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 44 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Ganshoren · 1 establishment unit since 2012

establishment The establishment unit on the map

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.

Keizer Karellaan 2981083 Ganshoren

Ground area

289 m²

Building footprint

148 m²

Volume, LiDAR

1,738 m³

Parcel 21392A0068/00Z006, Brussels · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

Keizer Karellaan 298, 1083 Ganshoren

Manufacture of other non-metallic mineral products

since 20122.213.914.241

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21392A0068/00Z006	Brussels	289 m²	1 · 148 m²	18.8 m · 5 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

BOUWBEDRIJF P. VAN HAUWERMEIREN

BE 0430.821.738

Sint-Niklaas · Eq €231k

ALGEMENE BOUWWERKEN JOOSEN GERT

BE 0841.059.878

Hoogstraten · Eq €231k

Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 11,605 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-10-2012

Fiscal year end31-12

Abbreviation FR TOPRENO

Activities, NACEBEL

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.