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Complete company report
Generated 06-08-2026
Active BE 0848.648.446Private limited companyOpen bankruptcy

EUROTM

Industrieweg 4 ·2845 Niel, Belgium· 13 yrs active
Sector: Specialised construction (43910)
Conclusion Checked

A bankruptcy procedure is open for EUROTM according to publications in the Belgian State Gazette. The 2022 annual accounts show equity of €551k and a net result of €124k.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €551k
Net result €124k
Staff (FTE) 7.4
Active 13 yrs
Snowflake analysis 5 axes · computed by Checked
Health16Profitability100Solvency52Growth78Stability0
49 / 100

Mixed profile: strong on profitability, weaker on stability.

Health 16
Profitability 100
Solvency 52
Growth 78
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High risk
Components
· Open bankruptcy (+50)
Trust signals 1 signals
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No administrative flags
Health barometer FY 2022 · computed
16 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 04-02-2025 with the NBB · fiscal year 2024 · verkort
€0€100k€200kOperating result 2020: €176k€176kNet result 2020: €90k€90kOperating result 2022: €238k€238kNet result 2022: €124k€124k20202022
Operating resultNet result
EBITDA
€261k
+28.4% far above sector median
Net profit
€124k
+38.0% far above sector median
Cash flow
€146k
+25.2% far above sector median
Total assets
€2.29M
+23.2% far above sector median
Equity
€551k
+39.1% far above sector median
Working capital
€946k
+48.8% far above sector median
Employees (FTE)
7
+29.8% +85% vs sector
Staff costs
€318k
- +77% vs sector
Income taxes
€49k
-11.1% far above sector median
Debt
€1.74M
+18.9% far above sector median
Debt ≤ 1y
€1.21M
+7.4% far above sector median
Debt > 1y
€526k
+58.1% far above sector median
Current ratio
1.78
+13.9% -6% vs sector
Quick ratio
0.85
+13.2% -48% vs sector
Solvency
24.0%
+12.9% -36% vs sector
Debt / equity
3.16
+276.0% +76% vs sector
ROE
22.4%
-0.8% far above sector median
ROA
5.4%
+12.0% far above sector median
Interest coverage
3.96
- +199% vs sector
Figures by fiscal year
Fiscal year2022
Revenue-
EBITDA€261k
Net profit€124k
Cash flow€146k
Staff costs€318k
Income taxes€49k
Dividends-
Total assets€2.29M
Equity€551k
Debt€1.74M
of which ≤ 1y€1.21M
of which > 1y€526k
Working capital€946k
Employees (FTE)7.4
Ratios (computed)
2022
Current ratio1.78
Quick ratio0.85
Working capital ratio41.3%
Solvency24.0%
Debt / equity3.16
Long-term debt ratio0.95
Interest coverage3.96
Gross margin-
Net margin-
ROA5.4%
ROE22.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€2.29M
Fixed assets 21/28€131k
Tangible fixed assets 22/27€87k
Financial fixed assets 28€45k
Current assets 29/58€2.16M
Stocks & contracts in progress 3€1.13M
Amounts receivable within one year 40/41€942k
Cash & bank 54/58€38k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.29M
Equity 10/15€551k
Contributions / capital 10/11€19k
Reserves 13€531k
Accumulated profits (losses) 14€1k
Amounts payable 17/49€1.74M
Amounts payable after one year 17€526k
Amounts payable within one year 42/48€1.21M
Trade debts payable within one year 44€374k
Income statement
Gross operating margin 9900€590k
Operating result 9901€238k
Financial income 75€167
Financial charges 65€66k
Result before taxes 9903€172k
Income taxes 67/77€49k
Net result for the period 9904€124k
Result to be appropriated 9905€124k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates1 person
Role Name Tenure Source
Curator JAN BERGMANS
EIKENSTRAAT 80, 2840 RUMST-
 04-09-2025 → present Belgian State Gazette
Legal Structure
NACE primary Specialised construction(43910)
Legal form Private limited company(610)
Incorporation12-09-2012
StatusActive
Postal code2845
First BS signal 10-09-2025
Latest BS signal 10-09-2025
Company structure, linked entities1 linked entities
EUROTMBE 0848.648.446JAN BERGMANSReceiver
Mandates
Establishment units 1 location
EUROTM
Industrieweg 4, 2845 NielOntwikkeling van residentiële bouwprojecten
since 20122.217.978.838
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11030C0314/00R000 Flanders 1,560 m² 1 · 613 m² 8.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
10-09-2025
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · EUROTM BV INDUSTRIEWEG 4, 2845 NIEL · event 04-09-2025
29-08-2025
State Gazette act Director changes
04-02-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
31-01-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
14-02-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
21-02-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
15-02-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
31-01-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
13-03-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
31-01-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
22-02-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
26-01-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Lifecycle & Insolvency Signals 1 events
10-09-2025
Bankruptcy Opening
Date: 04-09-2025 · Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · EUROTM BV INDUSTRIEWEG 4, 2845 NIEL · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-09-10 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 11 months ago
2025
29-08-2025 3 directors appointed, 2 resigning Director changes
  • BV AFN, Bestuurder
  • Najah Elouafi, Vaste vertegenwoordiger
  • BV TWINS CONSULT, Dagelijks bestuur
  • BV Najah Consulting, Bestuurder
  • Najah Elouafi, Vaste vertegenwoordiger
Technical details 
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      "statutory": "niet_statutair",
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      "effective_date": "2025-06-01",
      "evidence_quote": "De algemene vergadering beslist tot het ontslag van BV Najah Consulting, met zetel te 2845 Niel Industrieweg 4, als niet-statutaire bestuurder, en dit met ingang op 01/06/2025. De algemene vergadering verleent deze persoon kwijting voor de uitoefening van diens mandaat.",
      "decharge_status": "granted",
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      "statutory": null,
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      "evidence_quote": "Rechtspersoon BV Najah Consulting heeft Najah Elouafi, met woonplaats te 2627 Schelle Steenwinkelstraat 529, ontslagen als vaste vertegenwoordiger belast met de uitvoering van zijn bestuursmandaat in naam en voor rekening van de rechtspersoon, en dit met ingang op 01/06/2025.",
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      },
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      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
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      "effective_date": "2025-06-01",
      "evidence_quote": "Rechtspersoon BV Afn heeft Najah Elouafi, met woonplaats te 2627 Schelle Steenwinkelstraat 529, benoemd als vaste vertegenwoordiger belast met de uitvoering van zijn bestuursmandaat in naam en voor rekening van de rechtspersoon, en dit met ingang op 01/06/2025.",
      "decharge_status": null,
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    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "dagelijks_bestuur",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0452.249.236",
        "name": "BV TWINS CONSULT",
        "address": "9500 Geraardsbergen Vrijheid 16A",
        "country": null,
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      },
      "statutory": null,
      "compensated": null,
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      "evidence_quote": "De algemene vergadering verleent volmacht aan BV TWINS CONSULT, rechtspersoon met zetel te 9500 Geraardsbergen, Vrijheid 16A, RPR Gent afdeling Oudenaarde, gekend in de KBO onder nummer BE0452249236, en aan diens aangestelden, voor onbepaalde tijd en tot aan de uitdrukkelijke herroeping, voor wat be",
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  },
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    "language": "nl",
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    "filing_date": null,
    "act_kind_objet": "Onderwerp akte:"
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      "body": "algemene_vergadering",
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  "publication_proxy": {
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    "org_kbo": null,
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    "person_name": null,
    "org_rep_person_name": "Elouafi Najah",
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "het verslag van het bestuursorgaan dd. 01/06/2025",
    "de notulen van de algemene vergadering dd. 01/6/2025"
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}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Metselwerk43910Uitvoeren van metsel- en voegwerken43994Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299Chapewerken43422Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Chapewerken43996
Primary activity highlighted.
Names & trade names
Legal nameNL EUROTM
Registered office
Industrieweg 4
2845 Niel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative