TORO NATION
ActiveTORO NATION has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €108k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency73▼-27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 8.6 against 6.65 in 2024; short-term debt: 11.5% and cash: 89.5% of total assets), but 52.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.5%
Return on assets
43.2%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
18 d late
2023
53 d early
2022
174 d early
2021
13 d late
2020
26 d late
2019
19 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▼ 9.5%
2024 · €131k
2019: €34k
2020: €80k
2021: €108k
2022: €18k
2023: €30k
2024: €131k
2019 → 2025
Total assets
€249k▲ 62.1%
2024 · €154k
2019: €66k
2020: €104k
2021: €182k
2022: €219k
2023: €50k
2024: €154k
2019 → 2025
Net result
€108k▲ 6.6%
2024 · €101k
2019: €29k
2020: €46k
2021: €78k
2022: €90k
2023: €93k
2024: €101k
2019 → 2025
Working capital
€218k▲ 68.9%
2024 · €129k
2019: €27k
2020: €72k
2021: €101k
2022: €15k
2023: €30k
2024: €129k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€18k▼ 83.8%€30k▲ 71.6%€131k▲ 336%€119k▼ 9.5%
Operating result€98k-€115k▲ 17.3%€119k▲ 3.2%€131k▲ 9.8%€139k▲ 6.1%
Net result€78k-€90k▲ 15.6%€93k▲ 3.2%€101k▲ 9.0%€108k▲ 6.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€2k▲ 30.7%
Current assets
€247k▲ 62.4%
Equity and liabilities €249k
Equity
€119k▼ 9.5%
Debt
€131k▲ 472%
The debt ratio rises from 14.9% to 52.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€140k▲
2024 · €131k
Cash flow
€109k▲
2024 · €101k
Solvency
47.5%▼
2024 · 85.1%
Current ratio
8.60▲
2024 · 6.65
Quick ratio
8.60▲
2024 · 6.65
Debt / equity
1.10▲
2024 · 0.17
ROE
90.8%▲
2024 · 77.1%
ROA
43.2%▼
2024 · 65.6%
Interest coverage
228.00▲
2024 · 206.58
Debt
€131k▲
2024 · €23k
Debt ≤ 1 year
€29k▲
2024 · €23k
Debt > 1 year
€102k
Income taxes
€31k▲
2024 · €29k
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€154k€249k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€736€1k▲
Other tangible fixed assets26€850€644▼
Current assets29/58€152k€247k▲
Amounts receivable within one year40/41€23k€21k▼
Trade receivables40€21k€21k=
Other amounts receivable41€2k€782▼
Cash at bank and in hand54/58€127k€223k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€154k€249k▲
Equity10/15€131k€119k▼
Contributions10/11€5k€5k=
Reserves13€500€500=
Non-distributable reserves130/1€500€500=
Reserves not available under the articles1311€500€500=
Profit (loss) carried forward14€125k€113k▼
Amounts payable17/49€23k€131k▲
Amounts payable after more than one year17-€102k
Financial debts170/4-€102k
Amounts payable within one year42/48€23k€29k▲
Trade debts44€411-
Suppliers440/4€411-
Taxes, remuneration and social security45€21k€25k▲
Taxes450/3€18k€22k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€454€942▲
Other operating charges640/8€982€649▼
Gross operating margin9900€132k€140k▲
Operating profit (loss)9901€131k€139k▲
Financial charges65/66B€635€613▼
Recurring financial charges65€635€613▼
Profit (loss) for the period before taxes9903€130k€138k▲
Income taxes67/77€29k€31k▲
Profit (loss) for the period9904€101k€108k▲
Profit (loss) for the period to be appropriated9905€101k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€125k€233k▲
Profit (loss) brought forward from the previous period14P€25k€125k▲
Profit to be distributed694/7-€120k
Return on contributions (dividend)694-€120k
The notes to these accounts (6 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €108k ▲6.6%
Operating result €139k, net result €108k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 6.65
Current ratio from 2.49 to 6.65.
31-12
Financial
Equity above €100kEq €131k ▲336%
6 profitable years in a row build equity to €131k.
08-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.49
Current ratio from 1.07 to 2.49; short-term debt falls from €201k to €20k.
07-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 13 days late
2021
31-12
Financial
Equity above €100kEq €108k ▲34.3%
3 profitable years in a row build equity to €108k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 4.53
Current ratio from 2.02 to 4.53; short-term debt falls from €26k to €20k.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schaarbeek · 1 establishment unit since 2019
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.
Monrosestraat 241030 SchaarbeekGround area
71 m²
Building footprint
52 m²
Volume, LiDAR
640 m³
Parcel 21906D0037/00E000, Brussels · tallest building 17.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Monrosestraat 24, 1030 Schaarbeek
since 20192.291.807.914
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0037/00E000 | Brussels | 71 m² | 1 · 52 m² | 17.6 m · 4 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,842 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.