Skip to content

TOROS INVEST

Active
Private limited company (pre-2019)founded 2008active for 18 yearsBrugstraat 5, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0897.647.502

From the official registers: KBO 18 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

TOROS INVEST has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €494,083 and a net result of €15,224. Equity has been growing by about 6.3% per year since 2018. Its solvency ranks better than 24% of 9,380 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Official details

KBO
Status
Active since 29-04-2008 Normal situation
Activity
General construction of residential buildings NACE 41001and 1 other
Establishment unit
2.170.729.643 3550 Heusden-Zolder, since 30-04-2008
Financial year end
31 December
Peppol
Reachable since 23-12-2025

Board and ownership

Board
  • Cayci YavusDirector · since 29-04-2008

Financial position

69 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Annual accounts 2025
Gross margin
€172,568
▲ 150%
Turnover
≈ €570,000
estimated
Profit
€15,224
▲ 17×
Equity
€494,083
▲ 3.2%
Total assets
€2.9m
▼ 8.7%
Staff
≈ 0.1 FTE
estimated
Filed on 31-08-2026, 31 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 31 days late; 3 of the last 3 accounts lateSector: Construction of residential and non-residential buildings (NACE 41)lowers riskSize: total assets €2.9mFigures for financial year 2025 (filed on 31-08-2026)Show the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 31% of small companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Weak
Solvency 42+2
equity 16.9% of total assets
Liquidity 6+1
short-term debt 82.6% · cash 1.1%
Profitability 50+17
return on assets 0.5%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (911 companies, NACE 41, small)
Last 24 months 11-2024: 1.3% 12-2024: 1.3%● unchanged vs 11-2024 01-2025: 1.3%● unchanged vs 12-2024 02-2025: 1.3%● unchanged vs 01-2025 03-2025: 1.5%▲ +0.2 percentage points vs 02-2025 04-2025: 1.6%▲ +0.1 percentage points vs 03-2025 05-2025: 1.6%● unchanged vs 04-2025 06-2025: 2.1%▲ +0.5 percentage points vs 05-2025 07-2025: 2.4%▲ +0.3 percentage points vs 06-2025 08-2025: 2.7%▲ +0.3 percentage points vs 07-2025highest value 09-2025: 0.7%▼ -2.0 percentage points vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.8%▲ +0.1 percentage points vs 02-2026 04-2026: 0.9%▲ +0.1 percentage points vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 1.1%▲ +0.2 percentage points vs 05-2026 07-2026: 1.2%▲ +0.1 percentage points vs 06-2026 08-2026: 1.5%▲ +0.3 percentage points vs 07-2026 09-2026: 0.6%▼ -0.9 percentage points vs 08-2026lowest value 10-2026: 0.6%● unchanged vs 09-2026lowest value
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.2 (1.18 in 2024), below the usual 1.5. Short-term debt is 82.6% and cash 1.1% of total assets. 83.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, small). It does better than 28% of them on solvency, 7% on liquidity, 39% on profitability and 51% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Last filed accounts filed 31 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Size: total assets €2.9m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 31-08-2026)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9380 sector peers (2025).
NBB · sector comparison
Position among 9380 sector peers
Solvency
better than 24%
← weakest strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
31 days late
2023
31 days late
2022
31 days late
2021
31 days late
2020
27 days late
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 30 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More equity than 95% of companies in construction of buildingssector median €45,645 · 9,383 companies €494,083 View
  • Positive: 8 profitable years in a rowprofit 2025: €15,224 8 years View

Comparable companies

These companies have the same main activity as TOROS INVEST: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €2.9m and €4m, founded between 2002 and 2010.

CompanyTotal assetsGross margin
TOROS INVEST Heusden-Zolder€2.9m€0.2m
GEBROEDERS KRASNIQI Gent€2.9m€0.2m
RPH Associés Immobilières Arlon€2.9m€0.2m
WALLEYN CHRISTOPHE Brugge€3.2m€0.2m
Valenova Poperinge€3.0m€0.2m
ROLAND BROERS CONTRACTING Voeren€3.7m€0.2m
JBK PROJECTBOUW Wellen€4.0m€0.2m
Full comparison

Documents

Annual accounts at the NBB

All 18 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about TOROS INVEST

What is the company number of TOROS INVEST?
The company number of TOROS INVEST is 0897.647.502. The VAT number is the same number with BE in front: BE 0897.647.502.
Where is TOROS INVEST based?
The registered office is at Brugstraat 5, 3550 Heusden-Zolder.Company details
What does TOROS INVEST do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of TOROS INVEST?
The legal form of TOROS INVEST is Private limited company (pre-2019) (BVBA).
When was TOROS INVEST founded?
TOROS INVEST was founded on 29-04-2008.
Is TOROS INVEST still active?
Yes, TOROS INVEST is an active enterprise in the KBO register.
How many employees does TOROS INVEST have?
TOROS INVEST had an average of 1.4 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of TOROS INVEST?
The turnover in financial year 2025 is ≈ €570,000. This figure is estimated from the gross margin of €172,568 and 97 comparable companies (NACE 41001). It probably lies between €400,000 and €860,000.
Is TOROS INVEST profitable?
In financial year 2025, TOROS INVEST made a profit of €15,224.
Where can I find the annual accounts of TOROS INVEST?
TOROS INVEST filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of TOROS INVEST due?
TOROS INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.