TTI Toitures Construct

Active

Private limited companyfounded 20233 yrs activeRue Saint-Ghislain 76, 6040 Charleroi, BelgiumKBO/BCE: BE 0803.020.537

The 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 27559 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

24 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-62

Solvency22▼-13

Growth32

Track record94

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; short-term debt: 103.2% and cash: 24.3% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

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 2025

Solvency, return and age of the figures

Solvency

-3.2%

Return on assets

-20.6%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

2425

2024 to 2025 · latest year €-556

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 filings

Deviation from the deadline

2025

31 d late

2024

28 d late

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 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

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

Available amounts per fiscal year

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

2025 value · change against 2024

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.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

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

establishment The establishment unit on the map

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 Charleroi

Ground 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

Rue Saint-Ghislain 76, 6040 CharleroiRepair, maintenance and installation of machinery and equipment

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

Heist-op-den-Berg · Eq €2k

Pont-à-Celles · Eq €2k

ELEKTRICITEITSWERKEN STEVEN JANSSENS

BE 0829.003.471

Sint-Katelijne-Waver · Eq €2k

Of 4,096 companies in sector 43240 we hold annual accounts for 1,631. 297 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 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.