Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 11 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Toque & moi from Ramillies, company number BE0772945785, closed financial year 2025 with a result of € -40,539 after tax. For that financial year Toque & moi recorded a gross margin of € -5,171 and equity of € -211,084. Compared with financial year 2024, the result moved from € -35,247 to € -40,539. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 9, 2026.
€ -211,084
▼ € 40,539 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -40,539
▼ 15 % more loss than in 2024
Profit after tax over the fiscal year.
€ 12,190
▲ 4% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -214,084.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 1,946
No payroll staff. An amount this small is usually a social contribution or pension premium for the director, booked under staff costs.
€ 78,380
▲ 31% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 25,846
▼ 48% vs 2024
€ 24,564 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 29,482
▲ € 24,746 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,003
▲ € 1,946 vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,090 | € -6,192 | € -2,786 | € -5,171 | ▼ € 2,385 |
| Profit after taxes | € -75,146 | € -63,152 | € -35,247 | € -40,539 | ▼ € 5,293 |
| Equity | € -72,146 | € -135,298 | € -170,544 | € -211,084 | ▼ € 40,539 |
| Total debts | € 238,118 | € 276,803 | € 272,569 | € 356,614 | ▲ 31% |
| Cash | € 8,884 | € 9,029 | € 11,671 | € 12,190 | ▲ 4% |
| Retained profit | € -75,146 | € -138,298 | € -173,544 | € -214,084 | ▼ € 40,539 |
| Bank debt | € 97,073 | € 72,800 | € 49,678 | € 25,846 | ▼ 48% |
| Balance sheet total | € 165,972 | € 141,506 | € 102,025 | € 145,531 | ▲ 43% |
Key figures of Toque & moi, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Toque & moi?
What happened at Toque & moi in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 40,539. Source: NBB ↗
- New establishment in Ramillies. KBO
- New establishment in Huy. KBO
- Olivier BERCHEM became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 75,146 loss in 2022 to € 40,539 loss in 2025.
A new publication or filing at Toque & moi? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Olivier BERCHEM
Director
since 2021
Establishments
Establishment units
Physical locations of this company
Rue Armand Guerlache 30
1367 Ramillies
Grand-Route 57
4500 Huy
Active since 1 November 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0772.945.785
- VAT number
- BE 0772.945.785
- Registered office
- Rue Armand Guerlache 30, 1367 Ramillies
- Names & denominations
- Toque & moi
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 August 2021
- Peppol
- Active · Active since 22 Dec 2025
- Contact
- [email protected] +32471863991
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Vervaardiging van andere voedingsmiddelen, neg
Vervaardiging van roomijs en ander consumptie-ijs
Overige detailhandel in nieuwe artikelen neg
Catering van evenementen
Detailhandel in groenten en fruit
Vervaardiging van cacao, chocolade en suikerwerk
Markt- en straathandel in voedings- en genotmiddelen
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