A.D. TOITURES
ActiveThe computed 12-month bankruptcy probability of A.D. TOITURES is 4.1% (elevated). For A.D. TOITURES, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €12k and a net result of €-5k. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 63% of 1332 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability10▼-73
Solvency66▲+4
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 · 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 2023Solvency, return and age of the figures
Solvency
41.3%
Return on assets
-17.7%
Age of the figures
33 mo
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 →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 4 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline16-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 13-08-2024, 13 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
13 d late
2022
58 d late
2021
403 d late
2020
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-5k
2022 · €6k
2020: €10k
2021: €-980
2022: €6k
2020 → 2023
Working capital
€9k▼ 49.0%
2022 · €18k
2020: €22k
2021: €14k
2022: €18k
2020 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2020202120222023Trend
Equity€15k-€12k▼ 22.0%€18k▲ 46.1%€12k▼ 30.0%
Operating result€11k-€-412€11k€-4k
Net result€10k-€-980€6k€-5k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €4k after €11k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €30k
Fixed assets
€9k▼ 37.4%
Current assets
€21k▼ 36.7%
Equity and liabilities €30k
Equity
€12k▼ 30.0%
Debt
€18k▼ 41.0%
The debt ratio falls from 62.8% to 58.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1k▼
2022 · €19k
Cash flow
€106▼
2022 · €13k
Solvency
41.3%▲
2022 · 37.2%
Current ratio
1.82▼
2022 · 2.27
Quick ratio
1.82▼
2022 · 2.27
Debt / equity
1.42▼
2022 · 1.69
ROE
-42.8%▼
2022 · 31.6%
ROA
-17.7%▼
2022 · 11.7%
Interest coverage
1.22▼
2022 · 6.66
Debt
€18k▼
2022 · €30k
Debt ≤ 1 year
€11k▼
2022 · €15k
Debt > 1 year
€6k▼
2022 · €15k
Income taxes
€269▼
2022 · €3k
Staff costs
€200▼
2022 · €3k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€47k€30k▼
Fixed assets21/28€14k€9k▼
Tangible fixed assets22/27€14k€9k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€33k€21k▼
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€3k€416▼
Other amounts receivable41€189€3k▲
Cash at bank and in hand54/58€8k-
Deferred charges and accrued income490/1€22k€18k▼
Equity and liabilities
Total equity and liabilities10/49€47k€30k▼
Equity10/15€18k€12k▼
Contributions10/11€5k€5k=
Reserves13€13k€13k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14-€-5k
Amounts payable17/49€30k€18k▼
Amounts payable after more than one year17€15k€6k▼
Financial debts170/4€15k€6k▼
Amounts payable within one year42/48€15k€11k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43-€6
Credit institutions430/8-€6
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€2k€5k▲
Income statement
Code20222023
Remuneration, social security and pensions62€3k€200▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€513€1k▲
Gross operating margin9900€22k€9k▼
Operating profit (loss)9901€11k€-4k▼
Financial income75/76B€120€152▲
Recurring financial income75€120€152▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€9k€-5k▼
Income taxes67/77€3k€269▼
Profit (loss) for the period9904€6k€-5k▼
Profit (loss) for the period to be appropriated9905€6k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-5k▼
Profit (loss) brought forward from the previous period14P€-980-
Transfer to equity691/2€5k-
To other reserves6921€5k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 13 days late
2023
31-12
Financial
Weakest financial yearnet €-5k ▼195%
Net result drops to €-5k, the lowest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 58 days late
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 403 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Le Roeulx · 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.
Chaussée de Mons(R) 307070 Le RoeulxGround area
1,370 m²
Building footprint
267 m²
Volume, LiDAR
1,531 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.D. TOITURES
since 20192.292.201.654
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55043B0056/00A015 | Wallonia | 1,274 m² | 1 · 205 m² | 8.1 m · 2 fl. |
| 55026B0312/00C005 | Wallonia | 96 m² | 1 · 61 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CA CONSTRUCT
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BE 0750.764.756
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DEJON
BE 0764.724.739
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STEFAN TOP JARDIN
BE 0804.336.371
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PV CONSTRUCT
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Orp-Jauche · Eq €12k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 10,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.