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A Terra

Active
Public limited companyfounded 2024active for 1 yearSteenweg op Leuven 1188, 1200 Sint-Lambrechts-Woluwe, Belgium74 active companies are registered at this addressKBO/BCE: BE 1016.921.076
Summary

The computed 12-month bankruptcy probability of A Terra is 2.4% (moderate). The 2025 annual accounts show equity of €55,011 and a net result of -€6,489. The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
A TerraActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
“De promotie van gebouwen waaronder villa’s,huizen,flatgebouwen,winkel,industriële en nijverheidsgebouwen,bij middel van aankoop,verkoop,ruiling,constructie,verpachting,uitbating en beheer van…” (deed in Dutch)
From the articles, 11 activitiesNo NACE code in the KBO yet1 site
Size
€64,277total assets 2025
Equity
€55,011
Loss
-€6,489
Financial health
52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.4%
Structure
Parent
ARDEA ALBA · 100%
  • ARDEADirector · permanent representative TANS Frank
  • BINDERY MANAGEMENTDirector · permanent representative DE WAEL Geert
Auditor: KPMG Bedrijfsrevisoren BV/SRL2025 accounts 18 days early
Why 52raises riskFounded in 2024Liquidity: current ratio 9.45, cash €152lowers riskSize: total assets €64,277Legal form: public limited companyShow the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 43% of its sector peers (no NACE code, micro)
Every signal that counts is listed under Signals.
Financial strength
Average
Solvency 100
equity 85.6% of total assets
Liquidity 50
short-term debt 10.4% · cash 0.2%
Profitability 6
return on assets -10.1%
Bankruptcy probability, 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 01-2026: 2.2%lowest value 02-2026: 2.2%● unchanged vs 01-2026 03-2026: 2.7%▲ +0.5 percentage points vs 02-2026 04-2026: 2.8%▲ +0.1 percentage points vs 03-2026 05-2026: 3.1%▲ +0.3 percentage points vs 04-2026 06-2026: 3.1%● unchanged vs 05-2026 07-2026: 3.3%▲ +0.2 percentage points vs 06-2026highest value 08-2026: 2.4%▼ -0.9 percentage points vs 07-2026 09-2026: 2.4%● unchanged vs 08-2026 10-2026: 2.4%● unchanged vs 09-2026
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity ample (current ratio 9.45, above the usual 1.5; short-term debt: 10.4% and cash: 0.2% of total assets), and 14.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 38% on liquidity and 10% on profitability.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 9.45, cash €152
NBB · annual accounts
lowers risk · Size: total assets €64,277
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Legal form: public limited company
KBO
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 13-07-2026, 18 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
18 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Appointment: KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)Permanent representatives: Paul Dreezen, Frank…
  3. IncorporationAppointments: ARDEA (director) and Bindery…

Key points

  • Controlled by ARDEA ALBAultimately: TERRA FECUNDA 100% View
  • Board2 directors in office 2 View
  • Total assets 2025first financial year filed €64,277 View

By topic

Financials

Financial year
2025
Total assets
€64,277
Loss
-€6,489
Solvency
85.6%
Go to Financials

Board & ownership

Board
2 members
Parent
ARDEA ALBA · 100%
Auditor
KPMG Bedrijfsrevisoren BV/SRL
  • ARDEADirector
  • BINDERY MANAGEMENTDirector
Go to Board & ownership

Company details

Sites
1
Legal form
Public limited company
Founded
03-12-2024
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
22
Purpose
“De promotie van gebouwen waaronder villa’s,huizen,flatgebouwen,winkel,industriële en…” (deed in Dutch)
Go to Articles of association

Key facts about A Terra

What is the company number of A Terra?
1016.921.076. In Belgium the VAT number is the company number with BE in front: BE 1016.921.076.
Where is A Terra based?
The registered office is at Steenweg op Leuven 1188, 1200 Sint-Lambrechts-Woluwe.Company details
What is the legal form of A Terra?
Public limited company (NV).
When was A Terra founded?
On 03-12-2024.
Is A Terra still active?
Yes, A Terra is an active enterprise in the KBO register.
What is the turnover of A Terra?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is A Terra profitable?
In financial year 2025, A Terra made a loss of €6,489.
Where can I find the annual accounts of A Terra?
A Terra filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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