TOI TOI & DIXI
ActiveSummary
TOI TOI & DIXI has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.34M and a net result of €34k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+1
Solvency76▲+3
Growth68▲+3
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.77 in 2023; short-term debt: 44.9% and cash: 0.5% of total assets), and 49.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 77
Relative position
BE, all sectors
reference
Sector 77
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 2024Solvency, return and age of the figures
Solvency
50.8%
Return on assets
0.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
30 d early
2022
26 d early
2021
32 d early
2020
44 d early
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€10.56M▲ 17.6%
2023 · €8.98M
2018: €8.21M
2019: €7.59M
2020: €7.38M
2021: €8.18M
2022: €8.64M
2023: €8.98M
2018 → 2024
EBIT margin
2.4%▼ 2.2pp
2023 · 4.6%
2018: -1.2%
2019: -1.1%
2020: 3.9%
2021: 10.6%
2022: 8.0%
2023: 4.6%
2018 → 2024
Net result
€34k▼ 13.0%
2023 · €39k
2018: €-134k
2019: €-104k
2020: €262k
2021: €847k
2022: €688k
2023: €39k
2018 → 2024
Working capital
€53k
2023 · €-754k
2018: €217k
2019: €302k
2020: €750k
2021: €1.62M
2022: €-845k
2023: €-754k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€7.38M-€8.18M▲ 10.9%€8.64M▲ 5.6%€8.98M▲ 4.0%€10.56M▲ 17.6%
Equity€2.33M-€3.18M▲ 36.4%€3.26M▲ 2.8%€3.30M▲ 1.2%€3.34M▲ 1.0%
Operating result€290k-€865k▲ 198%€691k▼ 20.1%€410k▼ 40.7%€253k▼ 38.3%
Net result€262k-€847k▲ 223%€688k▼ 18.8%€39k▼ 94.4%€34k▼ 13.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 38% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6.56M
Fixed assets
€3.56M ▼ 19.7%
Current assets
€3.00M ▲ 22.2%
Equity and liabilities €6.56M
Equity
€3.34M ▲ 1.0%
Debt
€3.23M ▼ 10.1%
Debt's share of the balance-sheet total falls from 52.1% to 49.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.48M▲
2023 · €1.18M
Cash flow
€1.27M▲
2023 · €813k
Current ratio
1.02▲
2023 · 0.77
Quick ratio
0.96▲
2023 · 0.72
Debt to equity
0.97▼
2023 · 1.09
ROE
1.0%▼
2023 · 1.2%
ROA
0.5%▼
2023 · 0.6%
Interest coverage
67.73▼
2023 · 102.93
Debt ≤ 1 year
€2.95M▼
2023 · €3.21M
Debt > 1 year
€279k▼
2023 · €381k
Income taxes
€140k▲
2023 · €66k
Staff costs
€4.94M▲
2023 · €4.50M
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 · 2024 against 2023 · 87 lines
Balance sheet
Code20232024
Assets
Total assets20/58€6.90M€6.56M▼
Fixed assets21/28€4.44M€3.56M▼
Intangible fixed assets21€196€1.17M▲
Tangible fixed assets22/27€2.28M€2.33M▲
Land and buildings22€282k€283k▲
Plant, machinery and equipment23€1.26M€1.53M▲
Furniture and vehicles24€66k€123k▲
Leasing and similar rights25€668k€396k▼
Other tangible fixed assets26€45€0▼
Financial fixed assets28€2.16M€54k▼
Affiliated companies280/1€2.12M-
Participating interests280€2.12M-
Other financial fixed assets284/8€42k€54k▲
Amounts receivable and cash guarantees285/8€42k€54k▲
Current assets29/58€2.46M€3.00M▲
Stocks and contracts in progress3€136k€158k▲
Stocks30/36€136k€158k▲
Goods purchased for resale34€136k€158k▲
Amounts receivable within one year40/41€2.28M€2.73M▲
Trade receivables40€1.41M€1.38M▼
Other amounts receivable41€869k€1.34M▲
Cash at bank and in hand54/58€1k€35k▲
Deferred charges and accrued income490/1€39k€84k▲
Equity and liabilities
Total equity and liabilities10/49€6.90M€6.56M▼
Equity10/15€3.30M€3.34M▲
Contributions10/11€2.30M€2.30M=
Capital10€2.30M€2.30M=
Issued capital100€2.30M€2.30M=
Reserves13€104k€180k▲
Non-distributable reserves130/1€97k€97k=
Legal reserve130€97k€97k=
Tax-exempt reserves132€8k€84k▲
Profit (loss) carried forward14€898k€855k▼
Amounts payable17/49€3.59M€3.23M▼
Amounts payable after more than one year17€381k€279k▼
Financial debts170/4€381k€279k▼
Leasing and similar obligations172€381k€229k▼
Credit institutions173-€51k
Amounts payable within one year42/48€3.21M€2.95M▼
Current portion of amounts payable after more than one year42€230k€268k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€466k€384k▼
Suppliers440/4€466k€384k▼
Taxes, remuneration and social security45€867k€973k▲
Taxes450/3€208k€219k▲
Remuneration and social security454/9€659k€754k▲
Other amounts payable47/48€1.65M€1.32M▼
Accrued charges and deferred income492/3-€378
Income statement
Code20232024
Operating income70/76A€9.21M€10.87M▲
Turnover70€8.98M€10.56M▲
Other operating income74€150k€282k▲
Non-recurring operating income76A€76k€31k▼
Operating charges60/66A€8.80M€10.62M▲
Goods for resale, raw materials and consumables60€907k€1.19M▲
Purchases600/8€929k€1.21M▲
Change in stocks: decrease (increase)609€-22k€-22k▼
Services and other goods61€2.38M€2.91M▲
Remuneration, social security and pensions62€4.50M€4.94M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€774k€1.23M▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€77k€52k▼
Other operating charges640/8€155k€293k▲
Non-recurring operating charges66A€2k€0▼
Operating profit (loss)9901€410k€253k▼
Financial income75/76B€4k€48k▲
Recurring financial income75€4k€48k▲
Income from financial fixed assets750€2k€11k▲
Income from current assets751€2k€37k▲
Other financial income752/9-€144
Non-recurring financial income76B-€0
Financial charges65/66B€310k€127k▼
Recurring financial charges65€15k€27k▲
Debt charges650€12k€22k▲
Other financial charges652/9€4k€5k▲
Non-recurring financial charges66B€294k€100k▼
Profit (loss) for the period before taxes9903€104k€174k▲
Income taxes67/77€66k€140k▲
Taxes670/3€66k€145k▲
Tax adjustments and reversals of tax provisions77€772€5k▲
Profit (loss) for the period9904€39k€34k▼
Transfer to tax-exempt reserves689€8k€76k▲
Profit (loss) for the period to be appropriated9905€31k€-42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€899k€855k▼
Profit (loss) brought forward from the previous period14P€868k€898k▲
Transfer to equity691/2€2k-
To the legal reserve6920€2k-
Social balance
Average headcount (FTE)908772.674.6▲
The notes to these accounts (99 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €847k ▲223%
Operating result €865k, net result €847k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €262k
Net result €262k after 2 loss-making years.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
02-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
24 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, Beersel · 4 establishment units since 2002
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.
Hemelstraat 161651 BeerselGround area
1.3 ha
Building footprint
2,011 m²
Volume, LiDAR
11,758 m³
3 parcels, Flanders, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
TOI TOI & DIXI
since 20022.076.017.655
Toi Toi & Dixi
since 20172.262.212.521
Toi Toi & Dixi
since 20172.262.212.719
TOI TOI & DIXI
since 20242.372.458.068
3 parcels
Flanders
2
(66.7%)
Wallonia
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23046C0310/00A000 | Flanders | 7,538 m² | 1 · 861 m² | 7.4 m · 2 fl. |
| 62054A0058/12A000 | Wallonia | 3,592 m² | 1 · 898 m² | 6.7 m · 2 fl. |
| 31522B0427/00H000 | Flanders | 1,400 m² | 1 · 252 m² | 9.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 13,445 EUR awarded · 12,861 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,496 EUR | 4,009 EUR |
| 2024 | 2 | 2,914 EUR | 2,896 EUR |
| 2023 | 2 | 4,319 EUR | 4,240 EUR |
| 2022 | 2 | 1,716 EUR | 1,716 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 120 companies in sector 77394 we hold annual accounts for 79. 30 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 formPublic limited company
Founded22-03-1996
Fiscal year end31-12
Activities, NACEBEL 2025
77394Rental and leasing activities
37000Sewerage
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.