M.A. Toiture
ActiveThe computed 12-month bankruptcy probability of M.A. Toiture is 3.1% (moderate). The 2024 annual accounts show equity of €12k and a net result of €447. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 19% of 36378 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+2
Solvency42▲+3
Growth32=
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.63 in 2023; short-term debt: 50.1% and cash: 4.1% of total assets), and 83.3% of the assets are financed with debt.
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 · 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 →
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 2024Solvency, return and age of the figures
Solvency
16.7%
Return on assets
0.6%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 36378 sector peers (2024).
NBB · sector comparisonPosition among 36378 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
30 d late
2022
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€12k▲ 4.0%
2023 · €11k
2022: €12k
2023: €11k
2022 → 2024
Total assets
€70k▼ 15.4%
2023 · €83k
2022: €59k
2023: €83k
2022 → 2024
Net result
€447
2023 · €-765
2022: €6k
2023: €-765
2022 → 2024
Working capital
€-10k▲ 20.0%
2023 · €-12k
2022: €-9k
2023: €-12k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€12k-€11k▼ 6.3%€12k▲ 4.0%
Operating result€8k-€-629€-809▼ 28.6%
Net result€6k-€-765€447
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €809 in 2024 against €629 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€45k▼ 27.3%
Current assets
€25k▲ 19.4%
Equity and liabilities €70k
Equity
€12k▲ 4.0%
Debt
€59k▼ 18.5%
The debt ratio falls from 86.4% to 83.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2023 · €13k
Cash flow
€17k▲
2023 · €13k
Solvency
16.7%▲
2023 · 13.6%
Current ratio
0.72▲
2023 · 0.63
Quick ratio
0.70▲
2023 · 0.34
Debt / equity
4.99▼
2023 · 6.37
ROE
3.8%▲
2023 · -6.8%
ROA
0.6%▲
2023 · -0.9%
Interest coverage
8.04▼
2023 · 8.97
Debt
€59k▼
2023 · €72k
Debt ≤ 1 year
€35k▲
2023 · €34k
Debt > 1 year
€23k▼
2023 · €38k
Income taxes
€444▲
2023 · €201
Staff costs
€435
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€83k€70k▼
Fixed assets21/28€62k€45k▼
Tangible fixed assets22/27€62k€45k▼
Plant, machinery and equipment23€34k€23k▼
Furniture and vehicles24€28k€22k▼
Current assets29/58€21k€25k▲
Stocks and contracts in progress3€10k€574▼
Stocks30/36€10k€574▼
Amounts receivable within one year40/41€6k€21k▲
Trade receivables40€2k€19k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€5k€3k▼
Deferred charges and accrued income490/1€718€728▲
Equity and liabilities
Total equity and liabilities10/49€83k€70k▼
Equity10/15€11k€12k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€72k€59k▼
Amounts payable after more than one year17€38k€23k▼
Financial debts170/4€38k€23k▼
Amounts payable within one year42/48€34k€35k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€12k€17k▲
Suppliers440/4€12k€17k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€4k€176▼
Income statement
Code20232024
Remuneration, social security and pensions62-€435
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€17k▲
Other operating charges640/8€563€644▲
Gross operating margin9900€14k€17k▲
Operating profit (loss)9901€-629€-809▼
Financial income75/76B€2k€4k▲
Recurring financial income75€183€128▼
Non-recurring financial income76B€1k€4k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-564€891▲
Income taxes67/77€201€444▲
Profit (loss) for the period9904€-765€447▲
Profit (loss) for the period to be appropriated9905€-765€447▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€6k▲
Profit (loss) brought forward from the previous period14P€6k€5k▼
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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €447
Net result €447 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-765 ▼113%
Net result drops to €-765, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Bertrix · 1 establishment unit since 2021
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 des Maisonnettes 116880 BertrixGround area
684 m²
Building footprint
87 m²
Volume, LiDAR
830 m³
Parcel 84009A0842/00G002, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
M. A. Toiture
since 20212.321.763.195
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84009A0842/00G002 | Wallonia | 684 m² | 1 · 87 m² | 11.3 m · 3 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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MARGODT DAKWERKEN
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Dakwerken Lievens
BE 0551.997.997
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Constant Construction
BE 1019.692.704
Kontich · Eq €12k
D.B. dakwerken
BE 0775.970.405
Kruisem · Eq €12k
Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 2,449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
16230Manufacture of other builders' carpentry and joinery
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:matoiture1@gmail.com
Phone:+32498062623