TOITURE LAINERI
ActiveThe computed 12-month bankruptcy probability of TOITURE LAINERI is 2.4% (moderate). The 2025 annual accounts show equity of €15k and a net result of €4k. Equity is growing by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 11% of 27787 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-17
Solvency30▼-22
Growth78=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 3.15 against 1.38 in 2024; short-term debt: 31.8% and cash: 1.4% of total assets), but 95% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
5%
Return on assets
1.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
13 d early
2024
29 d late
2023
on the day
2022
29 d late
2021
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 37.0%
2024 · €11k
2021: €4k
2022: €4k
2023: €8k
2024: €11k
2021 → 2025
Total assets
€308k▲ 660%
2024 · €40k
2021: €11k
2022: €11k
2023: €29k
2024: €40k
2021 → 2025
Net result
€4k▲ 22.2%
2024 · €3k
2021: €770
2022: €452
2023: €4k
2024: €3k
2021 → 2025
Working capital
€210k▲ 1,787%
2024 · €11k
2021: €4k
2022: €4k
2023: €8k
2024: €11k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€4k▲ 12.0%€8k▲ 83.7%€11k▲ 43.4%€15k▲ 37.0%
Operating result€1k-€697▼ 37.7%€5k▲ 619%€5k▼ 3.3%€11k▲ 124%
Net result€770-€452▼ 41.3%€4k▲ 681%€3k▼ 4.7%€4k▲ 22.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 124% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €308k
Equity
€15k▲ 37.0%
Debt
€292k▲ 896%
The debt ratio rises from 72.5% to 95.0%. Equity and debt are higher.
Key figures and ratios
Solvency
5.0%▼
2024 · 27.5%
Current ratio
3.15▲
2024 · 1.38
Quick ratio
0.15▼
2024 · 1.07
Debt / equity
19.19▲
2024 · 2.64
ROE
27.0%▼
2024 · 30.3%
ROA
1.3%▼
2024 · 8.3%
Debt
€292k▲
2024 · €29k
Debt ≤ 1 year
€98k▲
2024 · €29k
Debt > 1 year
€195k
Income taxes
€2k▲
2024 · €1k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€40k€308k▲
Current assets29/58€40k€308k▲
Stocks and contracts in progress3€9k€293k▲
Stocks30/36-€283k
Contracts in progress37€9k€10k▲
Amounts receivable within one year40/41€21k€11k▼
Trade receivables40€17k€8k▼
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€11k€4k▼
Equity and liabilities
Total equity and liabilities10/49€40k€308k▲
Equity10/15€11k€15k▲
Contributions10/11€3k€3k=
Reserves13€300€300=
Non-distributable reserves130/1€300€300=
Other1319€300€300=
Profit (loss) carried forward14€8k€12k▲
Amounts payable17/49€29k€292k▲
Amounts payable after more than one year17-€195k
Financial debts170/4-€195k
Amounts payable within one year42/48€29k€98k▲
Trade debts44€24k€19k▼
Suppliers440/4€24k€19k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€2k€75k▲
Income statement
Code20242025
Other operating charges640/8€98€491▲
Gross operating margin9900€5k€11k▲
Operating profit (loss)9901€5k€11k▲
Financial charges65/66B€207€5k▲
Recurring financial charges65€207€5k▲
Profit (loss) for the period before taxes9903€5k€6k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€3k€4k▲
Profit (loss) for the period to be appropriated9905€3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€12k▲
Profit (loss) brought forward from the previous period14P€4k€8k▲
The notes to these accounts (2 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €4k ▲22.2%
Operating result €11k, net result €4k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.15
Current ratio from 1.38 to 3.15.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €452 ▼41.3%
Net result drops to €452, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Chaudfontaine · 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 de Louveigné 454052 ChaudfontaineGround area
3,489 m²
Building footprint
194 m²
Volume, LiDAR
1,214 m³
Parcel 62012C0125/00H000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Louveigné 45, 4052 Chaudfontaine
since 20212.322.753.486
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012C0125/00H000 | Wallonia | 3,488 m² | 1 · 194 m² | 7.9 m · 2 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.
Similar companies · same sector, comparable size
NADORCONSTRUCT
BE 0775.511.436
Saint-Ghislain · Eq €15k
M&H Toitures
BE 0740.967.360
Montigny-le-Tilleul · Eq €15k
ROOF CONCEPT LECOMTE
BE 0757.538.821
Wevelgem · Eq €15k
ROLUS TOITURES
BE 0882.088.702
Mettet · Eq €15k
NAMECHE & FILS
BE 0769.742.807
Ham-sur-Heure-Nalinnes · Eq €15k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 2,745 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.