TOVA
ActiveThe computed 12-month bankruptcy probability of TOVA is 1.9% (moderate). The 2025 annual accounts show equity of €36k and a net result of €31k. Its solvency ranks better than 57% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency75
Growth-
Track record79
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.29; short-term debt: 15.5% and cash: 32.4% of total assets), but 50.3% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
49.7%
Return on assets
43.3%
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 01-09-2026, 32 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
2025
32 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€36k
Total assets
€72k
Net result
€31k
Working capital
€26k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €72k
Fixed assets
€35k
Current assets
€37k
Equity and liabilities €72k
Equity
€36k
Debt
€36k
Debt finances 50.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€40k
Cash flow
€34k
Solvency
49.7%
Current ratio
3.29
Quick ratio
3.29
Debt / equity
1.01
ROE
87.1%
ROA
43.3%
Interest coverage
72.00
Debt
€36k
Debt ≤ 1 year
€11k
Debt > 1 year
€25k
Income taxes
€6k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€72k
Fixed assets21/28€35k
Tangible fixed assets22/27€35k
Plant, machinery and equipment23€4k
Furniture and vehicles24€31k
Current assets29/58€37k
Amounts receivable within one year40/41€11k
Trade receivables40€7k
Other amounts receivable41€4k
Cash at bank and in hand54/58€23k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€72k
Equity10/15€36k
Contributions10/11€5k
Profit (loss) carried forward14€31k
Amounts payable17/49€36k
Amounts payable after more than one year17€25k
Financial debts170/4€25k
Amounts payable within one year42/48€11k
Current portion of amounts payable after more than one year42€6k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€3k
Remuneration and social security454/9€3k
Other amounts payable47/48€0
Accrued charges and deferred income492/3€592
Income statement
Code2025
Non-recurring operating income76A€746
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Other operating charges640/8€888
Gross operating margin9900€41k
Operating profit (loss)9901€37k
Financial income75/76B€33
Recurring financial income75€33
Financial charges65/66B€559
Recurring financial charges65€559
Profit (loss) for the period before taxes9903€37k
Income taxes67/77€6k
Profit (loss) for the period9904€31k
Profit (loss) for the period to be appropriated9905€31k
Appropriation of the result
Profit (loss) to be appropriated9906€31k
Profit (loss) brought forward from the previous period14P€-357
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
NBB filing
Directors · office · real estate
Directors
2 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, Brecht · 1 establishment unit since 2021
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.
Vaartstraat 2212960 BrechtGround area
805 m²
Building footprint
104 m²
Volume, LiDAR
466 m³
Parcel 11043D0772/00F006, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOVA
since 20212.324.883.726
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043D0772/00F006 | Flanders | 805 m² | 1 · 104 m² | 8.2 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43240Other construction installation
43299Specialised construction activities
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
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.
Contact details
1 entryE-mail:tosh.tova@outlook.com