BN TOITURE
ActiveSummary
The computed 12-month bankruptcy probability of BN TOITURE is 3.4% (moderate). For BN TOITURE, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €24k and a net result of €-81k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 1330 sector peers (fiscal year 2023). The company has been active since 2018 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.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability2▼-96
Solvency29▼-49
Growth50▼-35
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk
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
4.2%
Return on assets
-14.2%
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 · 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 · 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 · 5 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline24-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 30-01-2025, 183 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
183 d late
2022
59 d late
2021
95 d late
2020
129 d late
2019
113 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, full schema
Turnover
€437k▼ 15.5%
2022 · €516k
2019: €249k
2020: €272k
2021: €362k
2022: €516k
2019 → 2023
EBIT margin
-18.6%▼ 35.4pp
2022 · 16.8%
2019: 3.8%
2020: 4.2%
2021: 19.2%
2022: 16.8%
2019 → 2023
Net result
€-81k
2022 · €86k
2019: €7k
2020: €11k
2021: €52k
2022: €86k
2019 → 2023
Working capital
€-40k
2022 · €85k
2019: €26k
2020: €37k
2021: €70k
2022: €85k
2019 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€249k-€272k▲ 9.4%€362k▲ 33.1%€516k▲ 42.6%€437k▼ 15.5%
Equity€26k-€37k▲ 43.4%€89k▲ 142%€105k▲ 17.8%€24k▼ 77.2%
Operating result€10k-€11k▲ 18.6%€70k▲ 514%€87k▲ 24.4%€-81k
Net result€7k-€11k▲ 56.8%€52k▲ 370%€86k▲ 64.7%€-81k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €81k after €87k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €574k
Fixed assets
€425k ▲ 1,966%
Current assets
€149k ▼ 16.4%
Equity and liabilities €574k
Equity
€24k ▼ 77.2%
Debt
€550k ▲ 487%
Debt's share of the balance-sheet total rises from 47.1% to 95.8%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.79▼
2022 · 1.90
Debt to equity
22.95▲
2022 · 0.89
ROE
-339.4%▼
2022 · 82.1%
ROA
-14.2%▼
2022 · 43.5%
Debt ≤ 1 year
€189k▲
2022 · €94k
Debt > 1 year
€361k
Staff costs
€79k▲
2022 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2023 against 2022 · 48 lines
Balance sheet
Code20222023
Assets
Total assets20/58€199k€574k▲
Fixed assets21/28€21k€425k▲
Tangible fixed assets22/27€20k€424k▲
Land and buildings22-€404k
Furniture and vehicles24€20k€20k=
Financial fixed assets28€225€225=
Current assets29/58€178k€149k▼
Amounts receivable within one year40/41€54k-
Trade receivables40€26k-
Other amounts receivable41€28k-
Cash at bank and in hand54/58€125k€149k▲
Equity and liabilities
Total equity and liabilities10/49€199k€574k▲
Equity10/15€105k€24k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€85k€3k▼
Amounts payable17/49€94k€550k▲
Amounts payable after more than one year17-€361k
Financial debts170/4-€361k
Amounts payable within one year42/48€94k€189k▲
Current portion of amounts payable after more than one year42-€16k
Trade debts44€49k€45k▼
Suppliers440/4€49k€45k▼
Advances received on contracts in progress46€11k€11k=
Taxes, remuneration and social security45€31k€2k▼
Taxes450/3€30k€2k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€2k€114k▲
Income statement
Code20222023
Turnover70€516k€437k▼
Goods, raw materials, services and sundry goods60/61€383k€384k▲
Remuneration, social security and pensions62€35k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k-
Other operating charges640/8€4k€55k▲
Gross operating margin9900€133k€53k▼
Operating profit (loss)9901€87k€-81k▼
Financial charges65/66B€163€173▲
Recurring financial charges65€163€173▲
Profit (loss) for the period before taxes9903€86k€-81k▼
Profit (loss) for the period9904€86k€-81k▼
Profit (loss) for the period to be appropriated9905€86k€-81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€155k€3k▼
Profit (loss) brought forward from the previous period14P€69k€85k▲
Profit to be distributed694/7€71k-
Return on contributions (dividend)694€71k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 183 days late
2023
31-12
Financial
Weakest financial yearnet €-81k ▼194%
Net result drops to €-81k, the lowest in the series.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 59 days late
2022
31-12
Financial
Highest result since 2019net €86k ▲64.7%
Operating result €87k, net result €86k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲17.8%
4 profitable years in a row build equity to €105k.
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 95 days late
2021
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 129 days late
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Etterbeek · 1 establishment unit since 2018
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.
Priester Cuypersstraat 31040 EtterbeekGround area
325 m²
Building footprint
129 m²
Volume, LiDAR
1,912 m³
Parcel 21005A0542/00B006, Brussels · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BN TOITURE
since 20182.279.467.237
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0542/00B006 | Brussels | 325 m² | 1 · 129 m² | 17.0 m · 5 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.
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,983 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.