Tori

Active

Private limited companyfounded 20232 yrs activeBrusselsestraat 115, 3000 Leuven, BelgiumKBO/BCE: BE 1003.244.967

The computed 12-month bankruptcy probability of Tori is 6.3% (elevated). The 2025 annual accounts show negative equity (€-16k) and a net result of €-58k. Its solvency ranks better than 20% of 13044 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

0 / 100

Critical▼ -46 vs 2024

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

Axes · tick = 2024

Profitability33▲+6

Solvency33▼-30

Growth22

Stability82

Bankruptcy probability, 12 months

6.3% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.27 against 0.59 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

-17.5%

Return on assets

-65.3%

Age of the figures

8 mo

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

2425

2024 to 2025 · latest year -€16k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

29 d early

2024

27 d early

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Turnover

€214k▼ 12.7%

2024 · €245k

2024: €245k

2024 → 2025

EBIT margin

-27.2%▼ 29.9pp

2024 · 2.7%

2024: 2.7%

2024 → 2025

Net result

€-58k

2024 · €3k

2024: €3k

2024 → 2025

Working capital

€-71k▼ 289%

2024 · €-18k

2024: €-18k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Turnover€245k-€214k▼ 12.7%

Equity€43k-€-16k

Operating result€7k-€-58k

Net result€3k-€-58k

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 €58k after €7k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €89k

70.6%

29.4%

Fixed assets €63k▲ 3.2%

Current assets €26k▼ 0.3%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-53k▼

2024 · €10k

Cash flow

€-54k▼

2024 · €6k

Solvency

-17.5%▼

2024 · 48.9%

Current ratio

0.27▼

2024 · 0.59

Quick ratio

0.27▼

2024 · 0.59

Debt / equity

-6.73▼

2024 · 1.05

ROE

374.0%▲

2024 · 6.1%

ROA

-65.3%▼

2024 · 3.0%

Interest coverage

-924.57▼

2024 · 2.98

Debt

€105k▲

2024 · €45k

Debt ≤ 1 year

€97k▲

2024 · €45k

Income taxes

€-11▼

2024 · €750

Staff costs

€121k▲

2024 · €82k

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€87k€89k▲

Fixed assets21/28€61k€63k▲

Intangible fixed assets21€16k€14k▼

Tangible fixed assets22/27€39k€43k▲

Furniture and vehicles24€7k€11k▲

Other tangible fixed assets26€32k€32k=

Financial fixed assets28€6k€6k=

Current assets29/58€26k€26k▼

Amounts receivable within one year40/41€14k€19k▲

Trade receivables40-€14k

Other amounts receivable41€14k€5k▼

Cash at bank and in hand54/58€13k€7k▼

Equity and liabilities

Total equity and liabilities10/49€87k€89k▲

Equity10/15€43k€-16k▼

Contributions10/11€40k€40k=

Profit (loss) carried forward14€3k€-56k▼

Amounts payable17/49€45k€105k▲

Amounts payable within one year42/48€45k€97k▲

Trade debts44€5k€26k▲

Suppliers440/4€5k€26k▲

Taxes, remuneration and social security45€12k€7k▼

Taxes450/3€8k€7k▼

Remuneration and social security454/9€4k-

Other amounts payable47/48€28k€64k▲

Accrued charges and deferred income492/3-€7k

Income statement Code20242025

Turnover70€245k€214k▼

Goods, raw materials, services and sundry goods60/61€149k€142k▼

Remuneration, social security and pensions62€82k€121k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲

Other operating charges640/8€5k€4k▼

Gross operating margin9900€97k€72k▼

Operating profit (loss)9901€7k€-58k▼

Financial income75/76B€1-

Recurring financial income75€1-

Financial charges65/66B€3k€58▼

Recurring financial charges65€3k€58▼

Profit (loss) for the period before taxes9903€3k€-58k▼

Income taxes67/77€750€-11▼

Profit (loss) for the period9904€3k€-58k▼

Profit (loss) for the period to be appropriated9905€3k€-58k▼

Appropriation of the result

Profit (loss) to be appropriated9906€3k€-56k▼

Profit (loss) brought forward from the previous period14P-€3k

The notes to these accounts (9 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 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

04-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Leuven · 1 establishment unit since 2023

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.

Brusselsestraat 1153000 Leuven

Ground area

6,763 m²

Building footprint

669 m²

Volume, LiDAR

12,415 m³

2 parcels, Flanders · tallest building 30.4 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

Tori

Joris Helleputteplein 1, 3000 LeuvenLimited-service restaurants

since 20232.352.792.507

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24504D0267/00G000 ProtectedTownscape or village viewBurgerhuizen en stadswoningenSource ↗	Flanders	6,566 m²	1 · 560 m²	30.4 m · 5 fl.
24504E0173/00C000	Flanders	197 m²	1 · 109 m²	13.9 m · 4 fl.