TTI Toitures Construct
ActiveThe computed 12-month bankruptcy probability of TTI Toitures Construct is 4.7% (elevated). The 2025 annual accounts show negative equity (€-556) and a net result of €-4k. Its solvency ranks better than 9% of 27446 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical▼ -38 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency44▲+24
Growth32
Stability94
Bankruptcy probability, 12 months
4.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.97 against 1.11 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
-3.2%
Return on assets
-20.6%
Age of the figures
9 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€556
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
28 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
Equity
€-556
2024 · €2k
2024: €2k
2024 → 2025
Total assets
€17k▼ 15.5%
2024 · €21k
2024: €21k
2024 → 2025
Net result
€-4k
2024 · €2k
2024: €2k
2024 → 2025
Working capital
€-556
2024 · €2k
2024: €2k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€2k-€-556
Operating result€2k-€-3k
Net result€2k-€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €2k in 2024.
Key figures and ratios
Solvency
-3.2%▼
2024 · 9.9%
Current ratio
0.97▼
2024 · 1.11
Quick ratio
0.97▼
2024 · 1.11
ROA
-20.6%▼
2024 · 9.9%
Debt
€18k▼
2024 · €19k
Debt ≤ 1 year
€18k▼
2024 · €19k
Income taxes
€467
Equity ratios withheld: equity of €-556 is too small for a meaningful ratio.
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€21k€17k▼
Current assets29/58€21k€17k▼
Amounts receivable within one year40/41€13k€13k▲
Trade receivables40€11k€12k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€21k€17k▼
Equity10/15€2k€-556▼
Contributions10/11-€1k
Profit (loss) carried forward14€2k€-2k▼
Amounts payable17/49€19k€18k▼
Amounts payable within one year42/48€19k€18k▼
Trade debts44-€2k
Suppliers440/4-€2k
Other amounts payable47/48€19k€16k▼
Income statement
Code20242025
Gross operating margin9900€2k€-3k▼
Operating profit (loss)9901€2k€-3k▼
Financial charges65/66B€137€99▼
Recurring financial charges65€137€99▼
Profit (loss) for the period before taxes9903€2k€-3k▼
Income taxes67/77-€467
Profit (loss) for the period9904€2k€-4k▼
Profit (loss) for the period to be appropriated9905€2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-2k▼
Profit (loss) brought forward from the previous period14P-€2k
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 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, Charleroi · 1 establishment unit since 2023
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.
Rue Saint-Ghislain 766040 CharleroiGround area
453 m²
Building footprint
59 m²
Volume, LiDAR
555 m³
Parcel 52362A0626/00E005, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TTI Photovoltaiques
since 20232.347.055.154
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52362A0626/00E005 | Wallonia | 453 m² | 1 · 59 m² | 10.9 m · 3 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
LUMAT
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Pont-à-Celles · Eq €2k
ELEKTRICITEITSWERKEN STEVEN JANSSENS
BE 0829.003.471
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Of 4,063 companies in sector 43240 we hold annual accounts for 1,614. 291 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2023
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
42219Civil engineering
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.