ToTo

Active

Private limited companyfounded 20232 yrs activeAntwerpsesteenweg 27, 2390 Malle, BelgiumKBO/BCE: BE 1003.699.976

Summary

The computed 12-month bankruptcy probability of ToTo is 3.1% (moderate). The 2025 annual accounts show equity of €51,853 and a net result of €18,684. Its solvency ranks better than 54% of 20110 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

ToToActiveChecked score 52/100

Risk analysis Report Compare

Activity

Retail sale of clothing and accessories for women, men, children and babies (general range)

NACE 47716

1 site

Size

€132,895total assets 2025

Equity: €51,853
Profit: €18,684

Turnover not published (abridged schema)

Financial health

52 Fair Checked score 2025

Bankruptcy chance 12 m: 3.1%

Structure

Accounts 1 d early1 of 2 deeds read

Why 52- Founded in 2023- 1 change of registered office in 24 months- Size: total assets €132,895+ Figures for FY 2025 (filed 03-02-2026)Show the evidence

Checked score

Score 2025

52 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 64% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 64+12

equity 39.0% of total assets

Liquidity 36-3

short-term debt 49.5% · cash 8.8%

Profitability 86-13

return on assets 14.1%

Bankruptcy probability, 12 months

3.1% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)

Last 15 months 08-2025: 1.4%lowest value 09-2025: 1.4%▲ +2.7% vs 08-2025 10-2025: 1.4%▲ +4.2% vs 09-2025 11-2025: 1.5%▲ +0.9% vs 10-2025 12-2025: 1.5%▲ +3.2% vs 11-2025 01-2026: 1.6%▲ +6.6% vs 12-2025 02-2026: 2.3%▲ +42.0% vs 01-2026 03-2026: 2.1%▼ -9.7% vs 02-2026 04-2026: 2.1%● 0.0% vs 03-2026 05-2026: 2.1%● 0.0% vs 04-2026 06-2026: 2.1%● 0.0% vs 05-2026 07-2026: 2.7%▲ +32.9% vs 06-2026 08-2026: 2.6%▼ -5.2% vs 07-2026 09-2026: 2.4%▼ -6.0% vs 08-2026 10-2026: 3.1%▲ +25.9% vs 09-2026highest value

Founded in 2023 raises the probability for this profile
1 change of registered office in 24 months raises the probability
Size: total assets €132,895 raises the probability for this profile
Figures for FY 2025 (filed 03-02-2026) lowers the probability

Credit up to €2,500 at 30 days acceptable

Liquidity ample (current ratio 1.53 against 1.34 in 2024; short-term debt: 49.5% and cash: 8.8% of total assets), but 61% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 54%, liquidity 33%, profitability 81%, growth against the median 87%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Size: total assets €132,895

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Figures for FY 2025 (filed 03-02-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

1 d early

2024

on the day

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 1 day before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close02-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage