TUTOART

Active

Private limited companyfounded 20233 yrs activeLange Eikstraat 46, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 0799.059.868

Summary

The computed 12-month bankruptcy probability of TUTOART is 1.9% (moderate). The 2025 annual accounts show equity of €54,708 and a net result of €28,975. Equity is growing by ~83% per year across the filed fiscal years. Its solvency ranks better than 76% of 32341 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

TUTOARTActiveChecked score 56/100

Risk analysis Report Compare

Activity

Other specialised construction activities

NACE 43990NACE 43995

1 site

Size

€76,250total assets 2025

Equity: €54,708
Profit: €28,975

Turnover not published (abridged schema)

Financial health

56 Fair Checked score 2025

Bankruptcy chance 12 m: 1.9%

Structure

Accounts 51 d early0 of 1 deed read

Why 56- Founded in 2023- Size: total assets €76,250- Sector Specialised construction activities (NACE 43)+ Equity €54,708 (71.7% of total assets)Show the evidence

Checked score

Score 2025

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 74% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 97+14

equity 71.7% of total assets

Liquidity 45+13

short-term debt 28.3% · cash 5.3%

Profitability 100+1

return on assets 38.0%

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)

Last 24 months 11-2024: 0.6% 12-2024: 0.6%▼ -1.5% vs 11-2024 01-2025: 0.5%▼ -12.1% vs 12-2024lowest value 02-2025: 0.6%▲ +5.0% vs 01-2025 03-2025: 0.6%▲ +7.1% vs 02-2025 04-2025: 0.6%▲ +1.5% vs 03-2025 05-2025: 0.6%▲ +3.5% vs 04-2025 06-2025: 0.6%▲ +1.3% vs 05-2025 07-2025: 0.7%▲ +4.8% vs 06-2025 08-2025: 1.1%▲ +62.6% vs 07-2025 09-2025: 2.6%▲ +147% vs 08-2025highest value 10-2025: 2.5%▼ -3.8% vs 09-2025 11-2025: 2.3%▼ -8.6% vs 10-2025 12-2025: 2.3%▼ -0.8% vs 11-2025 01-2026: 2.3%▼ -0.9% vs 12-2025 02-2026: 2.2%▼ -1.3% vs 01-2026 03-2026: 2.3%▲ +1.7% vs 02-2026 04-2026: 2.4%▲ +3.5% vs 03-2026 05-2026: 2.4%▲ +1.6% vs 04-2026 06-2026: 2.4%▲ +0.3% vs 05-2026 07-2026: 1.9%▼ -19.8% vs 06-2026 08-2026: 1.9%● 0.0% vs 07-2026 09-2026: 1.9%● 0.0% vs 08-2026 10-2026: 1.9%● 0.0% vs 09-2026

Founded in 2023 raises the probability for this profile
Size: total assets €76,250 raises the probability for this profile
Equity €54,708 (71.7% of total assets) lowers the probability
Sector Specialised construction activities (NACE 43) raises the probability

Credit up to €3,000 at 30 days acceptable

Liquidity ample (current ratio 3.5 against 2.26 in 2024; short-term debt: 28.3% and cash: 5.3% of total assets), and 28.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 77%, liquidity 36%, profitability 93%, growth against the median 92%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €76,250

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Equity €54,708 (71.7% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Specialised construction activities (NACE 43)

In the bankruptcy model this factor raises the probability.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

51 d early

2024

11 d late

2023

40 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 22 June (3 of the last 3 filed years within 50 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 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