Losses
-€19,833 in five years
Every financial year from 2021 to 2025 closed with a loss. 2021 was the heaviest.
TEMMERMAN
Lifetime
19 annual accounts with figures on one time axispeak €122,493 (2017)
-€3,098▲ €66
lowest -€8,101 (2021)
-€2,869▲ €196
peak €32,717 (2020)
€9,284▼ 23.6%
€103,805▲ 367%
Board1 name since 2021
1 directorTEMMERMAN Peter Remy Veneranda
Documentsfilings and deeds
09-07-202622 days before the deadline
2025micro format
Loss of €2,869Equity from €12,153 to €9,284Debts from €22,250 to €103,805Cash from €985 to €1,840
Key points
from the 2025 annual accountsDebts
€103,805 92% of the balance sheet
Filings
19 annual accounts since 2007
Three of the last ten came late. The 2018 accounts came latest: 26 days after the end of the period.
Turnover not published (micro format)
Checked score
80
Excellent
Financially stronger than 16% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.9%▲ +0.1 percentage points vs 02-2025
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 1.2%▲ +0.3 percentage points vs 06-2025highest value
08-2025: 0.9%▼ -0.3 percentage points vs 07-2025
09-2025: 0.9%● unchanged vs 08-2025
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.8%▼ -0.1 percentage points vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.9%▲ +0.1 percentage points vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 0.4%▼ -0.5 percentage points vs 07-2026lowest value
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.63, cash €1,840
No main activity registered
lowers risk
Size: total assets €113,089
Founded in 2007
Calculation
The band follows from the bankruptcy probability. 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). It does better than 21% of them on solvency, 5% on liquidity, 22% on profitability and 16% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,037 companies had the same profile as TEMMERMAN has now. Each dot stands for 3 companies, two years later.
93.7%
were still trading
2.9%
stopped another way
2.9%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TEMMERMAN itself is lower: 0.4% within 12 months. It rests on far more data about TEMMERMAN than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,037 companies, not a prediction for TEMMERMAN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.63 (0.62 in 2024), below 1. Short-term debt is 91.8% and cash 1.6% of total assets. 91.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,869
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 days early
2024
28 days early
2023
19 days early
2022
18 days early
2021
26 days early
2020
23 days early
2019
29 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 24 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Shares in 2 companies, PROM - INVEST and Koninklijke Eendracht Aalst Lede
Board & ownershipRecent changes
Change of role: TEMMERMAN Peter Remy Veneranda, from manager to director
General meeting of 21-12-2023 · Gazette deed
Incorporation
published on 30-01-2007 · Gazette deed
First establishment
Fonteinbos 5, Aalst
Official details
Source: KBO- Status
- Active since 22-01-2007Normal situation
- Activity
- “Algemene aannemingswerken in de bouw,met inbegrip van alle ruwbouwwerken en dakwerken,akoestische en thermische isolatie,wanden,valse…” (deed in Dutch)From the articles, 10 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.159.115.3779320 Aalst, since 15-01-2007
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €113,089▲ 229%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on TEMMERMAN
TEMMERMAN files the micro format. That format states no turnover. The gross margin fell from €1,376 in 2007 to -€3,098 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TEMMERMAN
- What is the company number of TEMMERMAN?
- The company number of TEMMERMAN is 0886.593.064. The VAT number is the same number with BE in front: BE 0886.593.064.
- Where is TEMMERMAN based?
- The registered office is at Fonteinbos 5, 9320 Aalst.Company details
- What is the legal form of TEMMERMAN?
- TEMMERMAN is a private limited company (BV).
- When was TEMMERMAN founded?
- TEMMERMAN was founded on 22-01-2007.
- Is TEMMERMAN still active?
- Yes, TEMMERMAN is an active enterprise in the KBO register.
- What is the turnover of TEMMERMAN?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is TEMMERMAN profitable?
- In financial year 2025, TEMMERMAN made a loss of €2,869.
- Where can I find the annual accounts of TEMMERMAN?
- TEMMERMAN filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TEMMERMAN due?
- TEMMERMAN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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