ACIER TREMPE
ActiveACIER TREMPE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €-25k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 24% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
15
/ 100
Critical▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency25▼-3
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.5 in 2024), and 75.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192022232425
2018 to 2025 · latest year -€25k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 12637 sector peers (2025).
NBB · sector comparisonPosition among 12637 sector peers
Solvency
better than 24%
← 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 28-03-2026, 125 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
125 d early
2024
181 d early
2023
159 d early
2022
157 d early
2021
128 d early
2020
116 d early
2019
116 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€212k▼ 10.7%
2024 · €238k
2018: €234k
2019: €125k
2020: €151k
2022: €203k
2023: €238k
2024: €238k
2018 → 2025
Total assets
€863k▼ 5.3%
2024 · €911k
2018: €706k
2019: €1.13M
2020: €1.09M
2022: €991k
2023: €964k
2024: €911k
2018 → 2025
Net result
€-25k▼ 120,957%
2024 · €-21
2018: €44k
2019: €-109k
2020: €26k
2022: €26k
2023: €35k
2024: €-21
2018 → 2025
Working capital
€-90k▼ 156%
2024 · €-35k
2018: €55k
2019: €-76k
2020: €-56k
2022: €-59k
2023: €-29k
2024: €-35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€151k-€203k▲ 33.9%€238k▲ 17.3%€238k=€212k▼ 10.7%
Operating result€43k-€46k▲ 7.7%€42k▼ 7.6%€15k▼ 65.5%€-11k
Net result€26k-€26k▼ 2.1%€35k▲ 37.1%€-21€-25k▼ 120,957%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €15k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €863k
Fixed assets
€852k▼ 2.6%
Current assets
€10k▼ 71.3%
Equity and liabilities €863k
Equity
€212k▼ 10.7%
Debt
€651k▼ 3.4%
The debt ratio rises from 73.9% to 75.4%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€34k▼
2024 · €62k
Cash flow
€20k▼
2024 · €47k
Solvency
24.6%▼
2024 · 26.1%
Current ratio
0.10▼
2024 · 0.50
Quick ratio
0.10▼
2024 · 0.50
Debt / equity
3.07▲
2024 · 2.83
ROE
-12.0%▼
2024 · 0.0%
ROA
-2.9%▼
2024 · 0.0%
Interest coverage
2.49▼
2024 · 4.25
Debt
€651k▼
2024 · €673k
Debt ≤ 1 year
€101k▲
2024 · €71k
Debt > 1 year
€550k▼
2024 · €598k
Income taxes
€144▲
2024 · €140
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€911k€863k▼
Fixed assets21/28€875k€852k▼
Tangible fixed assets22/27€875k€852k▼
Land and buildings22€874k€852k▼
Furniture and vehicles24€1k-
Current assets29/58€36k€10k▼
Amounts receivable within one year40/41€3k€5k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€600€2k▲
Cash at bank and in hand54/58€33k€4k▼
Deferred charges and accrued income490/1-€700
Equity and liabilities
Total equity and liabilities10/49€911k€863k▼
Equity10/15€238k€212k▼
Contributions10/11€100k€100k=
Reserves13€29k€26k▼
Distributable reserves133€29k€26k▼
Profit (loss) carried forward14€109k€86k▼
Amounts payable17/49€673k€651k▼
Amounts payable after more than one year17€598k€550k▼
Financial debts170/4€598k€550k▼
Amounts payable within one year42/48€71k€101k▲
Current portion of amounts payable after more than one year42€62k€63k▲
Trade debts44€3k€254▼
Suppliers440/4€3k€254▼
Taxes, remuneration and social security45€1k€144▼
Taxes450/3€1k€144▼
Other amounts payable47/48€6k€37k▲
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Non-recurring operating income76A-€639
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€46k▼
Other operating charges640/8€11k€10k▼
Gross operating margin9900€73k€45k▼
Operating profit (loss)9901€15k€-11k▼
Financial charges65/66B€14k€14k▼
Recurring financial charges65€14k€14k▼
Profit (loss) for the period before taxes9903€119€-25k▼
Income taxes67/77€140€144▲
Profit (loss) for the period9904€-21€-25k▼
Profit (loss) for the period to be appropriated9905€-21€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€86k▼
Profit (loss) brought forward from the previous period14P€109k€111k▲
The notes to these accounts (9 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
28-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €203k ▲33.9%
2 profitable years in a row build equity to €203k.
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-12
Financial
Equity above €150kEq €151k ▲20.8%
Equity rises from €125k to €151k.
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-109k ▼348%
Net result drops to €-109k, the lowest in the series; recovery starts the following year.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2007
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 Henri Lemaître 825000 NamurGround area
192 m²
Building footprint
64 m²
Volume, LiDAR
782 m³
Parcel 92302G0224/00A002, Wallonia · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Henri Lemaître 82, 5000 Namur
since 20072.166.774.617
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0224/00A002 | Wallonia | 192 m² | 1 · 64 m² | 14.2 m · 4 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.
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Of 2,256 companies in sector 69209 we hold annual accounts for 1,089. 821 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-12-1993
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.