Checked.be
Active
BE 0464.432.139Public limited company
INVESTERINGSVENNOOTSCHAP TERNESSE
Uilenbaan 15 ·2160 Wommelgem, Belgium· 27 yrs active
Conclusion
INVESTERINGSVENNOOTSCHAP TERNESSE has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €1k. Equity remains stable across the filed fiscal years (±2.1% per year). The computed 12-month bankruptcy probability is 0.6% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €62k |
| Net result | €1k |
| Active | 27 yrs |
| Locations | 1 |
Financial profile
75
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
11
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 27 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
86
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€5k
estimate, not credit advice
Score history
61
2022
53
2023
61
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 43.31 (≥ 1.5)
+10
Quick ratio
Quick ratio 43.31 (≥ 1.0)
+5
Leverage
Debt/equity 0.01 (< 1.0)
+10
Profitability
ROE 2%
+3
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-05-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±2.1%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€1k
+1.6%
21-25
€62k
+2.8%
21-25
€62k
+2.2%
21-25
€17k
-
21-25
€400
-
21-25
€400
-
21-25
43.31
-
21-25
43.31
-
21-25
99.4%
-0.6%
21-25
0.01
-
21-25
2.1%
-0.6%
21-25
2.1%
-1.2%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Net profit | €1k | €1k | €1k | €1k | €1k |
| Cash flow | - | - | - | - | - |
| Staff costs | - | - | - | - | - |
| Income taxes | - | - | - | - | - |
| Dividends | - | - | - | - | - |
| Total assets | €62k | €60k | €59k | €58k | €57k |
| Equity | €62k | €60k | €59k | €58k | €57k |
| Debt | €400 | - | - | - | - |
| of which ≤ 1y | €400 | - | - | - | - |
| of which > 1y | - | - | - | - | - |
| Working capital | €17k | - | - | - | - |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 43.31 | - | - | - | - |
| Quick ratio | 43.31 | - | - | - | - |
| Working capital ratio | 27.3% | - | - | - | - |
| Solvency | 99.4% | 100.0% | 100.0% | 100.0% | 100.0% |
| Debt / equity | 0.01 | - | - | - | - |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | - | - | - | - | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 2.1% | 2.2% | 1.9% | 2.1% | 1.9% |
| ROE | 2.1% | 2.2% | 1.9% | 2.1% | 1.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €62k | €60k | €59k | €58k | €57k |
| Fixed assets | 21/28 | €45k | €45k | €45k | €45k | €45k |
| Tangible fixed assets | 22/27 | €45k | €45k | €45k | €45k | €45k |
| Current assets | 29/58 | €17k | €16k | €14k | €13k | €12k |
| Amounts receivable within one year | 40/41 | €17k | €16k | €14k | €13k | €12k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €62k | €60k | €59k | €58k | €57k |
| Equity | 10/15 | €62k | €60k | €59k | €58k | €57k |
| Contributions / capital | 10/11 | €62k | €62k | €62k | €62k | €62k |
| Accumulated profits (losses) | 14 | €-439 | €-2k | €-3k | €-4k | €-5k |
| Amounts payable | 17/49 | €400 | - | - | - | - |
| Amounts payable within one year | 42/48 | €400 | - | - | - | - |
| Trade debts payable within one year | 44 | €400 | - | - | - | - |
| Income statement | ||||||
| Gross operating margin | 9900 | €2k | €2k | €2k | €2k | €2k |
| Operating result | 9901 | €1k | €1k | €1k | €1k | €1k |
| Result before taxes | 9903 | €1k | €1k | €1k | €1k | €1k |
| Net result for the period | 9904 | €1k | €1k | €1k | €1k | €1k |
| Result to be appropriated | 9905 | €1k | €1k | €1k | €1k | €1k |
Legal Structure
| NACE primary | - |
| Legal form | Public limited company(014) |
| Incorporation | 23-10-1998 |
| Status | Active |
| Postal code | 2160 |
Establishment units
IVT
since 19992.090.501.042
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052A0134/00F000 | Flanders | 2.4 ha | 1 · 1,249 m² | 10.1 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €1k ▲1.6%
Operating result €1k, net result €1k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Names & trade names
| Legal nameNL | INVESTERINGSVENNOOTSCHAP TERNESSE |
| AbbreviationNL | I.V.T. |