FABIO ET TOIT
ActiveSummary
FABIO ET TOIT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+47
Solvency61▼-23
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 2.42 in 2024; short-term debt: 63.6% and cash: 0.1% of total assets), but 63.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.4%
Return on assets
3.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
230 d late
2023
30 d late
2022
32 d late
2021
133 d late
2020
468 d late
2019
833 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 11.1%
2024 · €19k
2018: €-21k
2019: €9k
2020: €30k
2021: €23k
2022: €34k
2023: €47k
2024: €19k
2018 → 2025
Total assets
€58k▲ 79.3%
2024 · €32k
2018: €18k
2019: €26k
2020: €57k
2021: €62k
2022: €56k
2023: €62k
2024: €32k
2018 → 2025
Net result
€2k
2024 · €-28k
2018: €-163
2019: €30k
2020: €21k
2021: €-7k
2022: €11k
2023: €12k
2024: €-28k
2018 → 2025
Working capital
€21k▲ 11.1%
2024 · €19k
2018: €-19k
2019: €10k
2020: €28k
2021: €22k
2022: €34k
2023: €46k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€34k▲ 46.1%€47k▲ 36.2%€19k▼ 59.4%€21k▲ 11.1%
Operating result€7k-€11k▲ 58.5%€24k▲ 110%€-19k€3k
Net result€-7k-€11k€12k▲ 14.9%€-28k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€57 =
Current assets
€58k ▲ 79.4%
Equity and liabilities €58k
Equity
€21k ▲ 11.1%
Debt
€37k ▲ 176%
Debt's share of the balance-sheet total rises from 41.3% to 63.6%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.57▼
2024 · 2.42
Debt to equity
1.75▲
2024 · 0.70
ROE
10.0%▲
2024 · -146.3%
ROA
3.6%▲
2024 · -85.9%
Debt ≤ 1 year
€37k▲
2024 · €13k
Income taxes
€235▼
2024 · €8k
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 · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€58k▲
Fixed assets21/28€57€57=
Financial fixed assets28€57€57=
Current assets29/58€32k€58k▲
Amounts receivable within one year40/41€20k€57k▲
Trade receivables40€20k€51k▲
Other amounts receivable41-€7k
Cash at bank and in hand54/58€12k€67▼
Deferred charges and accrued income490/1-€150
Equity and liabilities
Total equity and liabilities10/49€32k€58k▲
Equity10/15€19k€21k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€11k€13k▲
Amounts payable17/49€13k€37k▲
Amounts payable within one year42/48€13k€37k▲
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45€215€766▲
Taxes450/3€215€766▲
Other amounts payable47/48€9k€25k▲
Income statement
Code20242025
Other operating charges640/8€839€1k▲
Gross operating margin9900€-18k€4k▲
Operating profit (loss)9901€-19k€3k▲
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€609€483▼
Recurring financial charges65€609€483▼
Profit (loss) for the period before taxes9903€-20k€2k▲
Income taxes67/77€8k€235▼
Profit (loss) for the period9904€-28k€2k▲
Profit (loss) for the period to be appropriated9905€-28k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€13k▲
Profit (loss) brought forward from the previous period14P€38k€11k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 230 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2024
31-12
Financial
Weakest financial yearnet €-28k ▼323%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
11-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 133 days late
11-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 468 days late
11-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 833 days late
2021
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 656 days late
2019
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
Show earlier events
31-12
Financial
Liquidity times 5current ratio 1.91
Current ratio from 0.39 to 1.91; short-term debt falls from €31k to €12k.
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
11-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 42 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, Tubize · 1 establishment unit since 2015
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 du Parc 611480 TubizeGround area
759 m²
Building footprint
223 m²
Volume, LiDAR
2,437 m³
2 parcels, Brussels, Wallonia · tallest building 17.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Jupiterlaan 178, 1190 Vorst
since 20152.247.680.238
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25019B0229/00G017 | Wallonia | 657 m² | 1 · 65 m² | 9.4 m · 3 fl. |
| 21383B0011/00H006 | Brussels | 103 m² | 1 · 158 m² | 17.5 m · 4 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.
Similar companies · same sector, comparable size
ISOL-TOIT
BE 0638.816.660
La Louvière · Eq €20,991
Teamro DMA
BE 0742.811.944
Kraainem · Eq €20,994
LUCIANO & FILS
BE 0675.413.275
Meise · Eq €20,930
DECLIC Solution
BE 0479.430.913
Mons · Eq €20,923
DS TOITURE-RENOV
BE 0758.503.574
Sint-Pieters-Leeuw · Eq €21,016
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,049 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 (pre-2019)
Founded24-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43230Insulation installation
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.