COMMERCIA TERRA
ActiveSummary
COMMERCIA TERRA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368k and a net result of €-9k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-1
Solvency35=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.43 in 2024; short-term debt: 71.6% and cash: 6% of total assets), and 90.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
23 d early
2024
17 d early
2023
21 d early
2022
17 d early
2021
17 d early
2020
36 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€368k▼ 2.3%
2024 · €377k
2018: €60k
2019: €125k
2020: €237k
2021: €358k
2022: €368k
2023: €374k
2024: €377k
2018 → 2025
Total assets
€3.82M▲ 5.1%
2024 · €3.63M
2018: €6.04M
2019: €6.04M
2020: €5.52M
2021: €5.70M
2022: €4.56M
2023: €5.10M
2024: €3.63M
2018 → 2025
Net result
€-9k
2024 · €3k
2018: €37k
2019: €66k
2020: €111k
2021: €121k
2022: €10k
2023: €7k
2024: €3k
2018 → 2025
Working capital
€1.08M▼ 0.8%
2024 · €1.09M
2018: €610k
2019: €610k
2020: €840k
2021: €1.07M
2022: €1.08M
2023: €1.09M
2024: €1.09M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€358k-€368k▲ 2.7%€374k▲ 1.8%€377k▲ 0.7%€368k▼ 2.3%
Operating result€1.64M-€134k▼ 91.8%€95k▼ 28.7%€39k▼ 59.3%€-9k
Net result€121k-€10k▼ 92.1%€7k▼ 29.9%€3k▼ 59.2%€-9k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €39k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €3.82M
Equity
€368k ▼ 2.3%
Debt
€3.45M ▲ 6.0%
Debt's share of the balance-sheet total rises from 89.6% to 90.3%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.40▼
2024 · 1.43
Quick ratio
1.13▲
2024 · 0.71
Debt to equity
9.36▲
2024 · 8.63
ROE
-2.3%▼
2024 · 0.7%
ROA
-0.2%▼
2024 · 0.1%
Debt ≤ 1 year
€2.73M▲
2024 · €2.54M
Debt > 1 year
€715k=
2024 · €715k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.63M€3.82M▲
Current assets29/58€3.63M€3.82M▲
Stocks and contracts in progress3€1.84M€721k▼
Stocks30/36€1.84M€721k▼
Amounts receivable within one year40/41€1.27M€2.87M▲
Trade receivables40€441-
Other amounts receivable41€1.27M€2.87M▲
Cash at bank and in hand54/58€521k€230k▼
Deferred charges and accrued income490/1€197€543▲
Equity and liabilities
Total equity and liabilities10/49€3.63M€3.82M▲
Equity10/15€377k€368k▼
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€349k€341k▼
Amounts payable17/49€3.25M€3.45M▲
Amounts payable after more than one year17€715k€715k=
Financial debts170/4€715k€715k=
Amounts payable within one year42/48€2.54M€2.73M▲
Financial debts43€928k€394k▼
Credit institutions430/8€928k€394k▼
Trade debts44€891€1.34M▲
Suppliers440/4€891€1.34M▲
Taxes, remuneration and social security45€703k€93k▼
Taxes450/3€703k€93k▼
Other amounts payable47/48€907k€907k=
Accrued charges and deferred income492/3€526-
Income statement
Code20242025
Other operating charges640/8€62€62=
Gross operating margin9900€39k€-9k▼
Operating profit (loss)9901€39k€-9k▼
Financial income75/76B€22€439▲
Recurring financial income75€22€439▲
Financial charges65/66B€35k€216▼
Recurring financial charges65€35k€216▼
Profit (loss) for the period before taxes9903€4k€-9k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€3k€-9k▼
Profit (loss) for the period to be appropriated9905€3k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€349k€341k▼
Profit (loss) brought forward from the previous period14P€347k€349k▲
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-9k ▼414%
Net result drops to €-9k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €121k ▲8.9%
Operating result €1.64M, net result €121k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €237k ▲88.7%
3 profitable years in a row build equity to €237k.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €100kEq €125k ▲110%
2 profitable years in a row build equity to €125k.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
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, Hasselt · 1 establishment unit since 2017
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.
Kolonel Dusartplein 203500 HasseltGround area
789 m²
Building footprint
257 m²
Volume, LiDAR
3,851 m³
Parcel 71022H0530/00R003, Flanders · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
COMMERCIA TERRA
since 20172.262.942.791
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H0530/00R003 | Flanders | 789 m² | 1 · 257 m² | 17.6 m · 5 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.
Similar companies · same sector, comparable size
KINT PROJECTS
BE 0671.780.923
Waregem · Eq €368,562
BOBO
BE 0460.708.527
Heusden-Zolder · Eq €368,794
GROUPE I.B.H.
BE 0403.367.174
Elsene · Eq €367,960
EIMA
BE 0839.134.330
Maaseik · Eq €367,886
BUILDING DIAMONDS
BE 0597.691.531
Antwerpen · Eq €367,678
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,009 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.