TOROX
ActiveTOROX has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €-20k. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-24
Solvency98▲+9
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 3.14 in 2024; short-term debt: 18% and cash: 6.9% of total assets), and 27.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
1 d early
2023
42 d early
2022
28 d early
2021
13 d early
2020
23 d early
2019
17 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, abbreviated schema
Equity
€317k▼ 5.9%
2024 · €337k
2018: €600k
2019: €637k
2020: €553k
2021: €533k
2022: €424k
2023: €501k
2024: €337k
2018 → 2025
Total assets
€436k▼ 16.8%
2024 · €524k
2018: €1.35M
2019: €1.35M
2020: €804k
2021: €1.59M
2022: €1.92M
2023: €1.13M
2024: €524k
2018 → 2025
Net result
€-20k
2024 · €71k
2018: €12k
2019: €37k
2020: €-81k
2021: €-20k
2022: €-109k
2023: €77k
2024: €71k
2018 → 2025
Working capital
€179k▼ 15.5%
2024 · €212k
2018: €450k
2019: €540k
2020: €453k
2021: €477k
2022: €302k
2023: €369k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€533k-€424k▼ 20.5%€501k▲ 18.1%€337k▼ 32.8%€317k▼ 5.9%
Operating result€3k-€-88k€104k€80k▼ 23.5%€-11k
Net result€-20k-€-109k▼ 447%€77k€71k▼ 7.5%€-20k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €80k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €436k
Fixed assets
€178k▼ 16.4%
Current assets
€258k▼ 17.1%
Equity and liabilities €436k
Equity
€317k▼ 5.9%
Debt
€119k▼ 36.5%
The debt ratio falls from 35.8% to 27.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €137k
Cash flow
€36k▼
2024 · €129k
Solvency
72.7%▲
2024 · 64.2%
Current ratio
3.28▲
2024 · 3.14
Quick ratio
3.28▲
2024 · 3.14
Debt / equity
0.38▼
2024 · 0.56
ROE
-6.2%▼
2024 · 21.1%
ROA
-4.5%▼
2024 · 13.5%
Interest coverage
5.86▼
2024 · 18.92
Debt
€119k▼
2024 · €187k
Debt ≤ 1 year
€79k▼
2024 · €99k
Debt > 1 year
€40k▼
2024 · €88k
Income taxes
€1k▼
2024 · €1k
Staff costs
€18k▼
2024 · €50k
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€524k€436k▼
Fixed assets21/28€213k€178k▼
Tangible fixed assets22/27€213k€178k▼
Plant, machinery and equipment23€170k€129k▼
Furniture and vehicles24€42k€49k▲
Current assets29/58€311k€258k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€257k€214k▼
Trade receivables40€221k€197k▼
Other amounts receivable41€36k€16k▼
Cash at bank and in hand54/58€54k€30k▼
Deferred charges and accrued income490/1-€14k
Equity and liabilities
Total equity and liabilities10/49€524k€436k▼
Equity10/15€337k€317k▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€274k€274k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€272k€272k=
Profit (loss) carried forward14€-62k€-82k▼
Amounts payable17/49€187k€119k▼
Amounts payable after more than one year17€88k€40k▼
Financial debts170/4€88k€40k▼
Amounts payable within one year42/48€99k€79k▼
Current portion of amounts payable after more than one year42€47k€48k▲
Trade debts44€69€29k▲
Suppliers440/4€69€29k▲
Taxes, remuneration and social security45€17k€2k▼
Taxes450/3€17k€2k▼
Other amounts payable47/48€35k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€18k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€56k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A-€20k
Gross operating margin9900€190k€84k▼
Operating profit (loss)9901€80k€-11k▼
Financial income75/76B€2€1▼
Recurring financial income75€2€1▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€72k€-19k▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€71k€-20k▼
Profit (loss) for the period to be appropriated9905€71k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-82k▼
Profit (loss) brought forward from the previous period14P€-133k€-62k▲
Transfer from equity791/2€235k€0▼
Profit to be distributed694/7€235k€0▼
Return on contributions (dividend)694€235k€0▼
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €77k
Net result €77k after 3 loss-making years.
31-12
Financial
Equity above €500kEq €501k ▲18.1%
Equity rises from €424k to €501k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-109k
Net result drops to €-109k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 7.26
Current ratio from 2.07 to 7.26; short-term debt falls from €504k to €72k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Leuven · 1 establishment unit since 1997
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.
Sint-Lambertusstraat 323001 LeuvenGround area
1,944 m²
Building footprint
313 m²
Volume, LiDAR
2,268 m³
2 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TOROX NV
since 19972.082.636.322
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24086B0168/00R002 | Flanders | 1,640 m² | 1 · 180 m² | 9.7 m · 2 fl. |
| 24434F0286/00E015 | Flanders | 304 m² | 1 · 133 m² | 12.7 m · 3 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.
Similar companies · same sector, comparable size
DS CONSULT
BE 0724.584.456
Mouscron · Eq €317k
BOECHOUTSE IMMOBILIEN MAATSCHAPPIJ
BE 0434.128.844
Antwerpen · Eq €317k
REALIM REALTY
BE 0827.726.437
Chaudfontaine · Eq €317k
IMMO VASTGOED TURNHOUT
BE 0447.385.081
Turnhout · Eq €317k
N&A IMMO
BE 0844.057.574
Donceel · Eq €317k
Of 11,754 companies in sector 68310 we hold annual accounts for 6,908. 4,928 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-04-1997
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.