Toto has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €22k and a net result of €12k. Its solvency ranks better than 40% of 8569 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Axes, FY 2023
Profitability94
Solvency61
Growth-
Track record79
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2023Solvency, return and age of the figures
Solvency
36.5%
Return on assets
19.9%
Age of the figures
33 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 30-08-2024, 30 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 · 1 filingDeviation from the deadline
2023
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€22k
Total assets
€60k
Net result
€12k
Working capital
€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €60k
Fixed assets
€13k
Current assets
€47k
Equity and liabilities €60k
Equity
€22k
Debt
€38k
Debt finances 63.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€24k
Cash flow
€16k
Solvency
36.5%
Current ratio
1.24
Quick ratio
1.24
Debt / equity
1.74
ROE
54.6%
ROA
19.9%
Interest coverage
12.11
Debt
€38k
Debt ≤ 1 year
€38k
Income taxes
€5k
Filed annual accounts
As filed with the NBB · 2023
Balance sheet
Code2023
Assets
Total assets20/58€60k
Fixed assets21/28€13k
Intangible fixed assets21€3k
Tangible fixed assets22/27€10k
Land and buildings22€1k
Plant, machinery and equipment23€788
Furniture and vehicles24€8k
Current assets29/58€47k
Amounts receivable within one year40/41€47k
Trade receivables40€31k
Other amounts receivable41€16k
Equity and liabilities
Total equity and liabilities10/49€60k
Equity10/15€22k
Contributions10/11€10k
Profit (loss) carried forward14€12k
Amounts payable17/49€38k
Amounts payable within one year42/48€38k
Current portion of amounts payable after more than one year42€4k
Financial debts43€2k
Credit institutions430/8€2k
Trade debts44€27k
Suppliers440/4€27k
Taxes, remuneration and social security45€6k
Taxes450/3€6k
Income statement
Code2023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Other operating charges640/8€853
Gross operating margin9900€24k
Operating profit (loss)9901€19k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€17k
Income taxes67/77€5k
Profit (loss) for the period9904€12k
Profit (loss) for the period to be appropriated9905€12k
Appropriation of the result
Profit (loss) to be appropriated9906€12k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-07-17
- Registered-office move, 8020 Oostkamp, Kapellestraat 138 bus 0-02
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
State Gazette actNBB filing
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oostkamp · 1 establishment unit since 2022
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.
Kapellestraat 1388020 OostkampGround area
2.7 ha
Building footprint
3,207 m²
Volume, LiDAR
40,404 m³
Parcel 31022I0695/00C000, Flanders · tallest building 25.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Toto
since 20222.339.388.392
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0695/00C000 | Flanders | 2.7 ha | 1 · 3,207 m² | 25.7 m · 5 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,350 EUR awarded · 1,346 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,350 EUR | 1,346 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2022
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
47120Other non-specialised retail sale
47910Retail trade
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.