LES TEMPLIERS
ActiveThe annual accounts of LES TEMPLIERS for fiscal year 2025 show a net loss of 339% of the equity at the start of that year. The 2025 annual accounts show equity of €1.22M and a net result of €-119k. Equity is growing by ~77.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 2277 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+34
Solvency54▲+28
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.23 against 0.24 in 2024; short-term debt: 59.8% and cash: 2.4% of total assets), and 71% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
29%
Return on assets
-2.8%
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 18-08-2026, 18 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
18 d late
2024
31 d early
2023
92 d late
2022
on the day
2021
59 d late
2020
25 d late
2019
18 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
23-09-2026 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
€-119k▲ 44.7%
2024 · €-216k
2018: €-12k
2019: €-16k
2020: €94k
2021: €57k
2022: €74k
2024: €-216k
2018 → 2025
Working capital
€-1.93M▼ 1.8%
2024 · €-1.89M
2018: €-2.64M
2019: €-3.01M
2020: €-2.35M
2021: €-2.30M
2022: €-2.24M
2024: €-1.89M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€-46k-€10k€84k▲ 721%€35k▼ 58.2%€1.22M▲ 3,358%
Operating result€197k-€183k▼ 7.2%€183k▲ 0.1%€-169k€-48k▲ 71.9%
Net result€94k-€57k▼ 39.8%€74k▲ 30.4%€-216k€-119k▲ 44.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €48k in 2025 against €169k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.20M
Fixed assets
€3.62M▲ 50.0%
Current assets
€578k▼ 3.7%
Equity and liabilities €4.20M
Equity
€1.22M▲ 3,358%
Debt
€2.98M▲ 0.1%
The debt ratio falls from 98.8% to 71.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€250k▲
2024 · €109k
Cash flow
€178k▲
2024 · €62k
Solvency
29.0%▲
2024 · 1.2%
Current ratio
0.23▼
2024 · 0.24
Quick ratio
0.23▼
2024 · 0.24
Debt / equity
2.45▼
2024 · 84.66
ROE
-9.8%▲
2024 · -613.3%
ROA
-2.8%▲
2024 · -7.2%
Interest coverage
5.46▲
2024 · 2.01
Debt
€2.98M▲
2024 · €2.98M
Debt ≤ 1 year
€2.51M▲
2024 · €2.49M
Debt > 1 year
€473k▼
2024 · €482k
Income taxes
€35k▲
2024 · €2k
Staff costs
€2.99M▲
2024 · €2.85M
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€3.01M€4.20M▲
Fixed assets21/28€2.41M€3.62M▲
Intangible fixed assets21€1.66M€1.47M▼
Tangible fixed assets22/27€745k€2.15M▲
Land and buildings22€530k€1.96M▲
Plant, machinery and equipment23€116k€117k▲
Furniture and vehicles24€99k€67k▼
Financial fixed assets28€3k€3k=
Current assets29/58€601k€578k▼
Amounts receivable within one year40/41€521k€437k▼
Trade receivables40€332k€294k▼
Other amounts receivable41€189k€143k▼
Cash at bank and in hand54/58€68k€103k▲
Deferred charges and accrued income490/1€12k€38k▲
Equity and liabilities
Total equity and liabilities10/49€3.01M€4.20M▲
Equity10/15€35k€1.22M▲
Contributions10/11€6k€6k=
Revaluation surpluses12-€1.30M
Reserves13€2k€2k▲
Distributable reserves133€2k€2k▲
Profit (loss) carried forward14€27k€-92k▼
Investment grants15€0-
Amounts payable17/49€2.98M€2.98M▲
Amounts payable after more than one year17€482k€473k▼
Financial debts170/4€482k€473k▼
Amounts payable within one year42/48€2.49M€2.51M▲
Current portion of amounts payable after more than one year42€79k€104k▲
Financial debts43€245k€248k▲
Credit institutions430/8€245k€248k▲
Trade debts44€140k€60k▼
Suppliers440/4€140k€60k▼
Advances received on contracts in progress46€126k€123k▼
Taxes, remuneration and social security45€387k€471k▲
Taxes450/3€27k€26k▼
Remuneration and social security454/9€360k€445k▲
Other amounts payable47/48€1.52M€1.50M▼
Accrued charges and deferred income492/3€31€31▼
Income statement
Code20242025
Remuneration, social security and pensions62€2.85M€2.99M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€278k€297k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€20k€21k▲
Gross operating margin9900€2.98M€3.26M▲
Operating profit (loss)9901€-169k€-48k▲
Financial income75/76B€9k€9k▼
Recurring financial income75€9k€9k▼
Financial charges65/66B€54k€46k▼
Recurring financial charges65€54k€46k▼
Profit (loss) for the period before taxes9903€-214k€-85k▲
Income taxes67/77€2k€35k▲
Profit (loss) for the period9904€-216k€-119k▲
Profit (loss) for the period to be appropriated9905€-216k€-119k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€-92k▼
Profit (loss) brought forward from the previous period14P€243k€27k▼
Social balance
Average headcount (FTE)908744.944.9=
The notes to these accounts (17 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Equity above €1MEq €1.22M ▲3358%
Equity rises from €35k to €1.22M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-216k ▼392%
Net result drops to €-216k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 92 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 59 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
31-12
Financial
Back to profitnet €94k
Net result €94k after 2 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Pecq · 1 establishment unit since 2012
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.
Rue de Tournai(PEC) 1417740 PecqGround area
5,241 m²
Building footprint
2,355 m²
Parcel 57062B0708/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LES TEMPLIERS
since 20122.216.568.180
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57062B0708/00R000 | Wallonia | 5,241 m² | 1 · 2,355 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePecq2.216.568.180
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 4,178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2012
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.