TOSTE
ActiveTOSTE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.49M and a net result of €-88k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 30% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-43
Solvency36▼-27
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Liquidity short (current ratio 0.41 against 0.2 in 2024), and 70.1% 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+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 →
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
29.9%
Return on assets
-1.8%
Age of the figures
8 mo
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
26 d early
2022
49 d early
2021
31 d late
2020
59 d early
2019
58 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.49M▼ 5.6%
2024 · €1.57M
2018: €1.29M
2019: €1.30M
2020: €1.30M
2021: €1.35M
2022: €1.37M
2023: €1.44M
2024: €1.57M
2018 → 2025
Total assets
€4.96M▲ 66.9%
2024 · €2.97M
2018: €1.29M
2019: €1.31M
2020: €1.30M
2021: €1.84M
2022: €1.81M
2023: €2.12M
2024: €2.97M
2018 → 2025
Net result
€-88k
2024 · €134k
2018: €4k
2019: €8k
2020: €-234
2021: €47k
2022: €25k
2023: €74k
2024: €134k
2018 → 2025
Working capital
€-1.74M▼ 166%
2024 · €-654k
2018: €59k
2019: €106k
2020: €145k
2021: €189k
2022: €195k
2023: €158k
2024: €-654k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.35M-€1.37M▲ 1.8%€1.44M▲ 4.9%€1.57M▲ 9.3%€1.49M▼ 5.6%
Operating result€65k-€40k▼ 38.8%€108k▲ 173%€210k▲ 93.8%€-46k
Net result€47k-€25k▼ 47.4%€74k▲ 201%€134k▲ 80.2%€-88k
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 €46k after €210k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.96M
Fixed assets
€3.76M▲ 34.1%
Current assets
€1.20M▲ 618%
Equity and liabilities €4.96M
Equity
€1.49M▼ 5.6%
Debt
€3.48M▲ 149%
The debt ratio rises from 47.1% to 70.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€81k▼
2024 · €283k
Cash flow
€39k▼
2024 · €207k
Solvency
29.9%▼
2024 · 52.9%
Current ratio
0.41▲
2024 · 0.20
Quick ratio
0.41▲
2024 · 0.20
Debt / equity
2.34▲
2024 · 0.89
ROE
-5.9%▼
2024 · 8.5%
ROA
-1.8%▼
2024 · 4.5%
Interest coverage
1.86▼
2024 · 12.66
Debt
€3.48M▲
2024 · €1.40M
Debt ≤ 1 year
€2.93M▲
2024 · €821k
Debt > 1 year
€539k▼
2024 · €574k
Income taxes
€335▼
2024 · €57k
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€2.97M€4.96M▲
Fixed assets21/28€2.81M€3.76M▲
Tangible fixed assets22/27€2.80M€3.75M▲
Land and buildings22€1.65M€2.58M▲
Plant, machinery and equipment23€118k€199k▲
Furniture and vehicles24€39k€30k▼
Leasing and similar rights25€979k€936k▼
Other tangible fixed assets26€14k€11k▼
Financial fixed assets28€11k€11k=
Current assets29/58€167k€1.20M▲
Amounts receivable within one year40/41€0€24k▲
Trade receivables40-€19k
Other amounts receivable41€0€5k▲
Current investments50/53€0-
Cash at bank and in hand54/58€159k€1.17M▲
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.97M€4.96M▲
Equity10/15€1.57M€1.49M▼
Contributions10/11€1.29M€1.29M=
Reserves13€234k€234k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€234k€234k=
Profit (loss) carried forward14€51k€-38k▼
Amounts payable17/49€1.40M€3.48M▲
Amounts payable after more than one year17€574k€539k▼
Financial debts170/4€574k€539k▼
Amounts payable within one year42/48€821k€2.93M▲
Current portion of amounts payable after more than one year42€35k€36k▲
Financial debts43€350k€1.50M▲
Credit institutions430/8€350k€1.50M▲
Trade debts44€303k€20k▼
Suppliers440/4€303k€20k▼
Taxes, remuneration and social security45€126k€77k▼
Taxes450/3€126k€77k▼
Other amounts payable47/48€7k€1.30M▲
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€127k▲
Other operating charges640/8€211k€231k▲
Gross operating margin9900€493k€312k▼
Operating profit (loss)9901€210k€-46k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€22k€44k▲
Recurring financial charges65€22k€44k▲
Profit (loss) for the period before taxes9903€191k€-88k▼
Income taxes67/77€57k€335▼
Profit (loss) for the period9904€134k€-88k▼
Profit (loss) for the period to be appropriated9905€134k€-88k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€-38k▼
Profit (loss) brought forward from the previous period14P€51k€51k=
Transfer to equity691/2€134k€0▼
To other reserves6921€134k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-88k ▼166%
Net result drops to €-88k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €134k ▲80.2%
Operating result €210k, net result €134k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 279.70
Current ratio from 69.15 to 279.70; short-term debt falls from €2k to €519.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2024
This board is reconstructed from a single act (24405746). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
DE GROEF Erna Jeanne
CurrentDirector · since 14-06-2024
TOYE Gert François
CurrentDirector · since 14-06-2024
TOYE Stephanie
CurrentDirector · since 14-06-2024
14-06-2024
DE GROEF Erna Jeanne: Appointed as Director
14-06-2024
TOYE Gert François: Appointed as Director
14-06-2024
TOYE Stephanie: Appointed as Director
Location & real-estate footprint
Registered office, Grimbergen · 3 establishment units since 2017
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.
Prinsenstraat 241850 GrimbergenGround area
1,553 m²
Building footprint
402 m²
Volume, LiDAR
2,666 m³
3 parcels, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Prinsenstraat 24, 1850 Grimbergen
since 20172.269.758.824
Sint-Servaasstraat 37B, 1850 Grimbergen
since 20212.344.539.488
Wezelstraat 83, 1850 Grimbergen
since 20212.344.540.973
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23402E0022/00D000 | Flanders | 686 m² | 1 · 194 m² | 9.5 m · 2 fl. |
| 23402E0402/00C019indicative | Flanders | 596 m² | 1 · 94 m² | 10.3 m · 3 fl. |
| 23402E0418/00R000 | Flanders | 271 m² | 1 · 114 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 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
J.PEAS
BE 0415.860.180
Beernem · Eq €1.49M
Olivier Management
BE 0831.149.943
Juprelle · Eq €1.49M
DIST
BE 0870.775.433
Stabroek · Eq €1.49M
Aku50
BE 0661.590.676
Beveren-Kruibeke-Zwijndrecht · Eq €1.49M
SAGICO
BE 0874.684.830
Zaventem · Eq €1.49M
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 23,380 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.