VOTRE TOITURE

Active

Private limited companyfounded 20196 yrs activeRue Vallée Bailly 81, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0736.596.323

The computed 12-month bankruptcy probability of VOTRE TOITURE is 1.8% (moderate). The 2025 annual accounts show equity of €85k and a net result of €79k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 817 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

83 / 100

Excellent▼ -3 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency47▼-15

Growth78=

Stability100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity tight (current ratio 1.35 against 1.44 in 2024), and 73.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

26.2%

Return on assets

24.4%

Age of the figures

8 mo

Higher-failure-rate region

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

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-04-2026, 109 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

109 d early

2024

23 d early

2023

237 d late

2022

7 d early

2021

80 d late

2020

31 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

12-09-2026 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, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€79k▲ 8.7%

2024 · €73k

2020: €35k 2021: €-40k 2022: €94k 2023: €27k 2024: €73k

2020 → 2025

Working capital

€83k▼ 13.6%

2024 · €96k

2020: €38k 2021: €-11k 2022: €-4k 2023: €24k 2024: €96k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€1k-€6k▲ 449%€33k▲ 449%€106k▲ 222%€85k▼ 19.5%

Operating result€-37k-€111k€38k▼ 66.0%€98k▲ 159%€103k▲ 5.3%

Net result€-40k-€94k€27k▼ 71.2%€73k▲ 171%€79k▲ 8.7%

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €325k

99.3%

Fixed assets €2k▼ 77.1%

Current assets €322k▲ 3.4%

Equity and liabilities €325k

26.2%

73.8%

Equity €85k▼ 19.5%

Debt €240k▲ 10.7%

The debt ratio rises from 67.2% to 73.8%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€103k▼

2024 · €104k

Cash flow

€80k▲

2024 · €79k

Solvency

26.2%▼

2024 · 32.8%

Current ratio

1.35▼

2024 · 1.44

Quick ratio

1.35▼

2024 · 1.44

Debt / equity

2.81▲

2024 · 2.04

ROE

93.1%▲

2024 · 68.9%

ROA

24.4%▲

2024 · 22.6%

Interest coverage

59.86▲

2024 · 42.21

Debt

€240k▲

2024 · €217k

Debt ≤ 1 year

€240k▲

2024 · €216k

Income taxes

€29k▲

2024 · €25k

Staff costs

€9k▼

2024 · €27k

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€322k€325k▲

Fixed assets21/28€10k€2k▼

Tangible fixed assets22/27€9k€1k▼

Plant, machinery and equipment23€4k€1k▼

Furniture and vehicles24€5k-

Financial fixed assets28€1k€1k=

Current assets29/58€312k€322k▲

Amounts receivable within one year40/41€306k€318k▲

Trade receivables40€17k€71k▲

Other amounts receivable41€289k€247k▼

Cash at bank and in hand54/58€880€3k▲

Deferred charges and accrued income490/1€5k€1k▼

Equity and liabilities

Total equity and liabilities10/49€322k€325k▲

Equity10/15€106k€85k▼

Contributions10/11€6k€6k=

Profit (loss) carried forward14€100k€79k▼

Amounts payable17/49€217k€240k▲

Amounts payable after more than one year17€416-

Financial debts170/4€416-

Amounts payable within one year42/48€216k€240k▲

Current portion of amounts payable after more than one year42€11k€681▼

Trade debts44€109k€91k▼

Suppliers440/4€109k€91k▼

Advances received on contracts in progress46-€14k

Taxes, remuneration and social security45€21k€34k▲

Taxes450/3€21k€33k▲

Remuneration and social security454/9€79€295▲

Other amounts payable47/48€75k€100k▲

Income statement Code20242025

Remuneration, social security and pensions62€27k€9k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€333▼

Other operating charges640/8€2k€2k▲

Non-recurring operating charges66A-€5k

Gross operating margin9900€132k€118k▼

Operating profit (loss)9901€98k€103k▲

Financial income75/76B€2k€7k▲

Recurring financial income75€2k€7k▲

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€97k€108k▲

Income taxes67/77€25k€29k▲

Profit (loss) for the period9904€73k€79k▲

Profit (loss) for the period to be appropriated9905€73k€79k▲

Appropriation of the result

Profit (loss) to be appropriated9906€100k€179k▲

Profit (loss) brought forward from the previous period14P€27k€100k▲

Profit to be distributed694/7-€100k

Return on contributions (dividend)694-€100k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

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

2026

13-04

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

08-07

NBB filing Annual accounts filed

fiscal year 2024 · full schema

25-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 237 days late

2024

31-12

Financial Equity above €100kEq €106k ▲222%

3 profitable years in a row build equity to €106k.

2023

24-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €94k

Net result €94k after one loss-making year.

19-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 80 days late

2021

31-12

Financial Weakest financial yearnet €-40k ▼214%

Net result drops to €-40k, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

1 act for this company is 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, Braine-l'Alleud · 1 establishment unit since 2019

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 Vallée Bailly 811420 Braine-l'Alleud

1 establishment unit

Votre Toiture

Rue Vallée Bailly 81, 1420 Braine-l'AlleudRepair, maintenance and installation of machinery and equipment

since 20192.299.035.305

Similar companies · same sector, comparable size

Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 13,038 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-10-2019

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43410Roofing work

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filings

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.