Checked.be
Active
BE 0443.479.644Private limited company
TOITURES PHILIPPE POLIS
Chemin de la Neuville 56 ·4821 Dison, Belgium· 35 yrs active
Sector: Roofing work
(43410)
Conclusion
TOITURES PHILIPPE POLIS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €18k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 69% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €118k |
| Net result | €18k |
| Staff (FTE) | 2 |
| Better than sector | 69% |
Financial profile
91
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
77
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1991, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€12k
estimate, not credit advice
Score history
86
2021
91
2022
100
2023
65
2024
100
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.24 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.91 (≥ 1.0)
+5
Leverage
Debt/equity 0.55 (< 1.0)
+10
Profitability
ROE 15% (≥ 10%)
+10
Interest coverage
Interest coverage 24.4× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 28-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±2.1%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 64.6% | 47.4% | |
| Net result | €18k | €10k | |
| Equity | €118k | €60k | |
| Gross operating margin | €176k | €39k | |
| Staff costs | €129k | €40k |
€45k
+654.0%
21-25
€18k
-
21-25
€34k
+566.1%
21-25
€183k
-7.7%
21-25
€118k
+2.3%
21-25
€75k
-9.3%
21-25
2
-9.1%
21-25
€129k
+2.8%
21-25
€11k
+1462.1%
21-25
€16k
-
21-25
€65k
-21.8%
21-25
€60k
+10.7%
21-25
€4k
-84.9%
21-25
2.24
-10.9%
21-25
1.91
-15.1%
21-25
64.6%
+10.9%
21-25
0.55
-23.5%
21-25
15.5%
-
21-25
10.0%
-
21-25
24.41
+868.4%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €45k | €6k | €29k | €23k | €8k |
| Net profit | €18k | €-10k | €19k | €10k | €680 |
| Cash flow | €34k | €5k | €21k | €17k | €8k |
| Staff costs | €129k | €126k | €121k | €103k | €102k |
| Income taxes | €11k | €705 | €12k | €9k | €3k |
| Dividends | €16k | - | €0 | €14k | - |
| Total assets | €183k | €198k | €173k | €189k | €135k |
| Equity | €118k | €116k | €125k | €106k | €110k |
| Debt | €65k | €83k | €48k | €84k | €25k |
| of which ≤ 1y | €60k | €55k | €47k | €84k | €25k |
| of which > 1y | €4k | €28k | - | - | - |
| Working capital | €75k | €83k | €121k | €104k | €102k |
| Employees (FTE) | 2.0 | 2.2 | 2.8 | 3.0 | 2.3 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 2.24 | 2.51 | 3.59 | 2.24 | 5.05 |
| Quick ratio | 1.91 | 2.25 | 3.08 | 1.75 | 4.35 |
| Working capital ratio | 40.9% | 41.6% | 69.6% | 54.8% | 75.6% |
| Solvency | 64.6% | 58.3% | 72.2% | 55.8% | 81.4% |
| Debt / equity | 0.55 | 0.72 | 0.38 | 0.79 | 0.23 |
| Long-term debt ratio | 0.04 | 0.24 | - | - | - |
| Interest coverage | 24.41 | 2.52 | 109.01 | 84.97 | 34.75 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 10.0% | -4.9% | 11.2% | 5.4% | 0.5% |
| ROE | 15.5% | -8.3% | 15.6% | 9.6% | 0.6% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €183k | €198k | €173k | €189k | €135k |
| Fixed assets | 21/28 | €48k | €61k | €6k | €2k | €8k |
| Tangible fixed assets | 22/27 | €48k | €61k | €6k | €2k | €8k |
| Financial fixed assets | 28 | €74 | €74 | €74 | €74 | €74 |
| Current assets | 29/58 | €135k | €137k | €167k | €188k | €127k |
| Stocks & contracts in progress | 3 | €20k | €15k | €24k | €41k | €18k |
| Amounts receivable within one year | 40/41 | €14k | €37k | €62k | €33k | €51k |
| Cash & bank | 54/58 | €93k | €76k | €75k | €107k | €51k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €183k | €198k | €173k | €189k | €135k |
| Equity | 10/15 | €118k | €116k | €125k | €106k | €110k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €65k | €62k | €62k | €43k | €47k |
| Accumulated profits (losses) | 14 | €34k | €34k | €44k | €44k | €44k |
| Amounts payable | 17/49 | €65k | €83k | €48k | €84k | €25k |
| Amounts payable after one year | 17 | €4k | €28k | - | - | - |
| Amounts payable within one year | 42/48 | €60k | €55k | €47k | €84k | €25k |
| Trade debts payable within one year | 44 | €10k | €18k | €28k | €43k | €19k |
| Income statement | ||||||
| Gross operating margin | 9900 | €176k | €134k | €152k | €128k | €112k |
| Operating result | 9901 | €29k | €-9k | €28k | €17k | €630 |
| Financial income | 75 | €2k | €2k | €3k | €2k | €3k |
| Financial charges | 65 | €2k | €2k | €269 | €275 | €223 |
| Result before taxes | 9903 | €29k | €-9k | €31k | €19k | €3k |
| Income taxes | 67/77 | €11k | €705 | €12k | €9k | €3k |
| Net result for the period | 9904 | €18k | €-10k | €19k | €10k | €680 |
| Result to be appropriated | 9905 | €18k | €-10k | €19k | €10k | €680 |
Directors & mandates
Current directors & mandates
-
Philippe POLISDirectorState Gazette act 23448099 (06-12-2023)Current06-12-2023 → present
Legal Structure
| NACE primary | Roofing work(43410) |
| Legal form | Private limited company(610) |
| Incorporation | 04-03-1991 |
| Status | Active |
| Postal code | 4821 |
Establishment units
Chemin de la Neuville 56, 4821 Dison
since 19912.052.618.483
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63002B0310/00N000 | Wallonia | 920 m² | 1 · 137 m² | 9.8 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k ▼149%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2021net €19k ▲91.4%
Net result €19k, the highest in the series.
06-12
State Gazette act
Director changes
Catherine LAGUESSE
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2023
06-12-2023 Philippe POLIS appointed as director
- Philippe POLIS, Bestuurder
Notary:
Catherine LAGUESSE · Verviers
Technical details
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"kind": "director_in",
"role": "administrateur",
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},
"reason": null,
"subkind": "renewal",
"via_org": null,
"statutory": "niet_statutair",
"compensated": true,
"effective_date": null,
"evidence_quote": "",
"decharge_status": null,
"mandate_duration": {
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"value": null
},
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},
{
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},
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},
{
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},
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},
{
"kind": "sole_shareholder_declaration",
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}
],
"notary": {
"name": "Catherine LAGUESSE",
"firm_city": null,
"firm_name": null,
"office_city": "Verviers",
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2023-12-06",
"filing_date": "2023-12-04",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2023-11-20",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0443.479.644",
"name_full": "TOITURES PHILIPPE POLIS",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Catherine LAGUESSE",
"org_rep_person_name": null,
"person_role_at_subject": "notaire"
},
"co_filed_documents": [
"Exp\u00E9dition du proc\u00E8s-verbal d\u0027assembl\u00E9e g\u00E9n\u00E9rale",
"Statuts coordonn\u00E9s"
],
"corrected_publication_numac": null
}Credit advice
Company registry (CBE)
Activities
Roofing work4341045220Plumbing work4322145332
Names & trade names
| Legal nameFR | TOITURES PHILIPPE POLIS |
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