TOTY TEAM
ActiveThe computed 12-month bankruptcy probability of TOTY TEAM is 1.6% (moderate). The 2025 annual accounts show equity of €37k and a net result of €53. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 52% of 27450 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency74▲+16
Growth37=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.49 in 2024; short-term debt: 42.5% and cash: 16.4% of total assets), but 50.7% 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 · 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
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
49.3%
Return on assets
0.1%
Age of the figures
9 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 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
30 d late
2023
29 d late
2022
30 d late
2021
17 d late
2020
51 d late
2019
32 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, micro schema
Turnover
€252k▼ 28.8%
2021 · €353k
2018: €354k
2019: €390k
2020: €434k
2021: €353k
2018 → 2022
EBIT margin
2.6%▲ 1.5pp
2021 · 1.1%
2018: 0.8%
2019: 3.1%
2020: 7.3%
2021: 1.1%
2018 → 2022
Net result
€53▲ 8.1%
2024 · €49
2018: €135
2019: €1k
2020: €25k
2021: €415
2022: €584
2023: €143
2024: €49
2018 → 2025
Working capital
€27k▼ 11.7%
2024 · €30k
2018: €28k
2019: €32k
2020: €36k
2021: €37k
2022: €36k
2023: €35k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€353k-€252k▼ 28.8%
Equity€37k-€37k▲ 1.6%€37k▲ 0.4%€37k▲ 0.1%€37k▲ 0.1%
Operating result€4k-€7k▲ 61.4%€8k▲ 27.6%€5k▼ 34.9%€4k▼ 17.6%
Net result€415-€584▲ 40.7%€143▼ 75.4%€49▼ 65.7%€53▲ 8.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€17k▼ 24.1%
Current assets
€59k▼ 36.1%
Equity and liabilities €76k
Equity
€37k▲ 0.1%
Debt
€38k▼ 50.2%
The debt ratio falls from 67.4% to 50.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €15k
Cash flow
€13k▲
2024 · €10k
Solvency
49.3%▲
2024 · 32.6%
Current ratio
1.83▲
2024 · 1.49
Quick ratio
1.83▲
2024 · 1.49
Debt / equity
1.03▼
2024 · 2.06
ROE
0.1%▲
2024 · 0.1%
ROA
0.1%▲
2024 · 0.0%
Interest coverage
12.37▲
2024 · 6.64
Debt
€38k▼
2024 · €77k
Debt ≤ 1 year
€32k▼
2024 · €62k
Debt > 1 year
€6k▼
2024 · €15k
Income taxes
€474▼
2024 · €555
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€114k€76k▼
Fixed assets21/28€22k€17k▼
Tangible fixed assets22/27€22k€17k▼
Plant, machinery and equipment23€824€561▼
Furniture and vehicles24€21k€16k▼
Current assets29/58€92k€59k▼
Amounts receivable within one year40/41€50k€27k▼
Trade receivables40€33k€10k▼
Other amounts receivable41€17k€17k▲
Cash at bank and in hand54/58€6k€12k▲
Deferred charges and accrued income490/1€36k€19k▼
Equity and liabilities
Total equity and liabilities10/49€114k€76k▼
Equity10/15€37k€37k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€29k€29k▲
Amounts payable17/49€77k€38k▼
Amounts payable after more than one year17€15k€6k▼
Financial debts170/4€15k€6k▼
Amounts payable within one year42/48€62k€32k▼
Current portion of amounts payable after more than one year42€8k€9k▲
Trade debts44€39k€14k▼
Suppliers440/4€39k€14k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€1k€1k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€9k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€13k▲
Other operating charges640/8€2k€87▼
Gross operating margin9900€17k€17k▲
Operating profit (loss)9901€5k€4k▼
Financial income75/76B€717€13▼
Recurring financial income75€717€13▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B€3k€3k▼
Profit (loss) for the period before taxes9903€604€527▼
Income taxes67/77€555€474▼
Profit (loss) for the period9904€49€53▲
Profit (loss) for the period to be appropriated9905€49€53▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€29k▲
Profit (loss) brought forward from the previous period14P€29k€29k▲
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €49 ▼65.7%
Net result drops to €49, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2020
31-12
Financial
Highest result since 2018net €25k ▲1879%
Operating result €32k, net result €25k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ukkel · 1 establishment unit since 2013
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.
Alsembergsesteenweg 8421180 UkkelGround area
1,616 m²
Building footprint
1,089 m²
Volume, LiDAR
6,528 m³
Parcel 21614E0126/00A002, Brussels · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Alsembergsesteenweg 842, 1180 Ukkel
since 20132.217.011.511
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0126/00A002 | Brussels | 1,616 m² | 1 · 1,089 m² | 12.7 m · 2 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.
Similar companies · same sector, comparable size
HELGUERS TOITURES
BE 1006.379.057
Charleroi · Eq €37k
ASV CONNECTING
BE 0684.690.930
Roeselare · Eq €37k
TMT isolatiebouw
BE 0535.664.583
Herzele · Eq €37k
EXTREM CONSTRUCT
BE 1005.097.172
Sint-Jans-Molenbeek · Eq €37k
RETAIL PROJECT
BE 0633.811.460
Zaventem · Eq €38k
Of 4,268 companies in sector 43230 we hold annual accounts for 1,239. 994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2013
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43422Screed work
81210General cleaning of buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.