TOTO R.
ActiveTOTO R. has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €973k and a net result of €122k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 2041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-2
Solvency79▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 2.12 in 2024; short-term debt: 45.8% and cash: 32.4% of total assets), and 45.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
54.2%
Return on assets
6.8%
Age of the figures
9 mo
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 08-03-2026, 145 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
145 d early
2024
146 d early
2023
40 d early
2022
70 d early
2021
87 d early
2020
55 d early
2019
32 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.93M
EBIT margin
6.9%
Net result
€122k▲ 11.0%
2024 · €110k
2018: €129k
2019: €118k
2020: €115k
2021: €88k
2022: €87k
2023: €85k
2024: €110k
2018 → 2025
Working capital
€713k▲ 16.2%
2024 · €613k
2018: €224k
2019: €327k
2020: €380k
2021: €455k
2022: €615k
2023: €644k
2024: €613k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€567k-€655k▲ 15.4%€740k▲ 13.0%€850k▲ 14.9%€973k▲ 14.4%
Operating result€134k-€132k▼ 1.7%€149k▲ 13.2%€162k▲ 8.8%€161k▼ 0.8%
Net result€88k-€87k▼ 1.0%€85k▼ 2.5%€110k▲ 29.3%€122k▲ 11.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€260k▲ 9.4%
Current assets
€1.53M▲ 32.2%
Equity and liabilities €1.79M
Equity
€973k▲ 14.4%
Debt
€821k▲ 50.1%
The debt ratio rises from 39.2% to 45.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€241k▲
2024 · €231k
Cash flow
€203k▲
2024 · €179k
Solvency
54.2%▼
2024 · 60.8%
Current ratio
1.87▼
2024 · 2.12
Quick ratio
1.87▼
2024 · 2.12
Debt / equity
0.84▲
2024 · 0.64
ROE
12.6%▼
2024 · 13.0%
ROA
6.8%▼
2024 · 7.9%
Interest coverage
11.77▼
2024 · 13.80
Debt
€821k▲
2024 · €547k
Debt ≤ 1 year
€821k▲
2024 · €547k
Income taxes
€43k▼
2024 · €61k
Staff costs
€751k▲
2024 · €491k
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€1.40M€1.79M▲
Fixed assets21/28€237k€260k▲
Intangible fixed assets21-€8k
Tangible fixed assets22/27€237k€251k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€232k€247k▲
Other tangible fixed assets26€4k€3k▼
Current assets29/58€1.16M€1.53M▲
Amounts receivable within one year40/41€908k€949k▲
Trade receivables40€757k€780k▲
Other amounts receivable41€150k€168k▲
Cash at bank and in hand54/58€249k€581k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.40M€1.79M▲
Equity10/15€850k€973k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€830k€952k▲
Amounts payable17/49€547k€821k▲
Amounts payable within one year42/48€547k€821k▲
Current portion of amounts payable after more than one year42€168k€170k▲
Trade debts44€351k€576k▲
Suppliers440/4€351k€576k▲
Taxes, remuneration and social security45€15k€36k▲
Remuneration and social security454/9€15k€36k▲
Other amounts payable47/48€13k€38k▲
Accrued charges and deferred income492/3€511-
Income statement
Code20242025
Remuneration, social security and pensions62€491k€751k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€80k▲
Other operating charges640/8€10k€6k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€732k€1,000k▲
Operating profit (loss)9901€162k€161k▼
Financial income75/76B€27k€25k▼
Recurring financial income75€27k€25k▼
Non-recurring financial income76B€233-
Financial charges65/66B€18k€21k▲
Recurring financial charges65€17k€21k▲
Non-recurring financial charges66B€936-
Profit (loss) for the period before taxes9903€172k€166k▼
Income taxes67/77€61k€43k▼
Profit (loss) for the period9904€110k€122k▲
Profit (loss) for the period to be appropriated9905€110k€122k▲
Appropriation of the result
Profit (loss) to be appropriated9906€830k€952k▲
Profit (loss) brought forward from the previous period14P€719k€830k▲
Social balance
Average headcount (FTE)908710.516.7▲
The notes to these accounts (14 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
08-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
07-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €85k ▼2.5%
Net result drops to €85k, the lowest in the series; recovery starts the following year.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €567k ▲18.4%
4 profitable years in a row build equity to €567k.
06-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
26 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, Evere · 1 establishment unit since 2010
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.
Godfroid Kurthstraat 331140 EvereGround area
856 m²
Building footprint
823 m²
Volume, LiDAR
4,364 m³
Parcel 21372D0237/00M002, Brussels · tallest building 14.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Godfroid Kurthstraat 33, 1140 Evere
since 20102.185.047.635
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0237/00M002 | Brussels | 856 m² | 1 · 823 m² | 14.0 m · 1 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.
Recognitions · licences · registrations
Recognised contractor
1 categoryTOTO R. SRL35785
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QUALITY POOL
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Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 920 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2009
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
41001General construction of residential buildings
43120Site preparation
43223Specialised construction activities
43331Floor and wall tiling
43910Bricklaying and masonry work
43990Other specialised construction activities
43992Specialised construction activities
43993Specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
56301Cafés and bars
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.