L'ERE DU TEMPS IMMOBILIER
ActiveL'ERE DU TEMPS IMMOBILIER has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €9k. Equity is growing by ~5.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency83▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
short-term debt: 21.3% of total assets, and 41.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
58.2%
Return on assets
3.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
20 d late
2023
22 d late
2022
22 d late
2021
38 d late
2020
4 d early
2019
66 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▼ 2.3%
2024 · €10k
2018: €8k
2019: €6k
2020: €-2k
2021: €7k
2022: €4k
2023: €8k
2024: €10k
2018 → 2025
Working capital
€-82k▼ 6.5%
2021 · €-77k
2021: €-77k
2021 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€116k▲ 3.4%€124k▲ 7.2%€134k▲ 7.8%€143k▲ 7.1%
Operating result€16k-€15k▼ 6.5%€18k▲ 25.6%€20k▲ 10.9%€21k▲ 1.2%
Net result€7k-€4k▼ 49.1%€8k▲ 120%€10k▲ 16.8%€9k▼ 2.3%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €246k
Equity
€143k▲ 7.1%
Debt
€103k▼ 20.9%
The debt ratio falls from 49.3% to 41.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2024 · €38k
Cash flow
€27k▼
2024 · €27k
Solvency
58.2%▲
2024 · 50.7%
Debt / equity
0.72▼
2024 · 0.97
ROE
6.6%▼
2024 · 7.2%
ROA
3.8%▲
2024 · 3.7%
Interest coverage
10.86▲
2024 · 8.34
Debt
€103k▼
2024 · €130k
Debt ≤ 1 year
€52k▼
2024 · €71k
Debt > 1 year
€51k▼
2024 · €59k
Income taxes
€8k▲
2024 · €6k
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€264k€246k▼
Fixed assets21/28€264k€246k▼
Tangible fixed assets22/27€264k€246k▼
Land and buildings22€264k€246k▼
Equity and liabilities
Total equity and liabilities10/49€264k€246k▼
Equity10/15€134k€143k▲
Contributions10/11€12k€12k=
Reserves13€82k€75k▼
Tax-exempt reserves132€80k€73k▼
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€39k€56k▲
Amounts payable17/49€130k€103k▼
Amounts payable after more than one year17€59k€51k▼
Financial debts170/4€57k€51k▼
Other amounts payable178/9€2k-
Amounts payable within one year42/48€71k€52k▼
Current portion of amounts payable after more than one year42€16k€7k▼
Financial debts43€9k€7k▼
Credit institutions430/8€9k€7k▼
Trade debts44-€37
Suppliers440/4-€37
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€13k▲
Other amounts payable47/48€36k€25k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€1-
Gross operating margin9900€39k€40k▲
Operating profit (loss)9901€20k€21k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€16k€17k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€10k€9k▼
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€17k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€56k▲
Profit (loss) brought forward from the previous period14P€22k€39k▲
The notes to these accounts (7 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 20 days late
2024
31-12
Financial
Highest result since 2018net €10k ▲16.8%
Net result €10k, the highest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 38 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-2k ▼134%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 66 days late
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
13-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 105 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mouscron · 1 establishment unit since 2002
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.
Spinnerijstraat(H) 447712 MouscronGround area
372 m²
Building footprint
370 m²
Volume, LiDAR
1,828 m³
Parcel 54004K0690/00_000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L'ERE DU TEMPS IMMOBILIER
since 20022.098.909.457
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54004K0690/00_000 | Wallonia | 371 m² | 1 · 370 m² | 9.1 m · 2 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2002
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.