Pastoor Termote
ActivePastoor Termote has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.44M and a net result of €41k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▲+5
Solvency99▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.22 in 2024), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
61.2%
Return on assets
1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
49 d early
2023
74 d early
2022
4 d early
2021
68 d early
2020
42 d early
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.44M▲ 1.7%
2024 · €2.40M
2018: €1.26M
2019: €2.03M
2020: €2.11M
2021: €2.25M
2022: €2.35M
2023: €2.38M
2024: €2.40M
2018 → 2025
Total assets
€3.99M▼ 1.7%
2024 · €4.05M
2018: €2.18M
2019: €5.07M
2020: €4.50M
2021: €4.10M
2022: €4.05M
2023: €4.17M
2024: €4.05M
2018 → 2025
Net result
€41k▲ 179%
2024 · €15k
2018: €-7k
2019: €774k
2020: €74k
2021: €141k
2022: €104k
2023: €33k
2024: €15k
2018 → 2025
Working capital
€460k=
2024 · €460k
2018: €1.26M
2019: €2.04M
2020: €3.87M
2021: €2.67M
2022: €1.83M
2023: €472k
2024: €460k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.25M-€2.35M▲ 4.6%€2.38M▲ 1.4%€2.40M▲ 0.6%€2.44M▲ 1.7%
Operating result€208k-€156k▼ 24.8%€60k▼ 61.9%€33k▼ 43.9%€69k▲ 107%
Net result€141k-€104k▼ 26.4%€33k▼ 68.4%€15k▼ 54.9%€41k▲ 179%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 107% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.99M
Fixed assets
€3.14M▼ 2.4%
Current assets
€846k▲ 1.4%
Equity and liabilities €3.99M
Equity
€2.44M▲ 1.7%
Debt
€1.55M▼ 6.6%
The debt ratio falls from 40.9% to 38.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€162k▲
2024 · €127k
Cash flow
€134k▲
2024 · €108k
Solvency
61.2%▲
2024 · 59.1%
Current ratio
2.19▼
2024 · 2.22
Quick ratio
0.45▲
2024 · 0.39
Debt / equity
0.63▼
2024 · 0.69
ROE
1.7%▲
2024 · 0.6%
ROA
1.0%▲
2024 · 0.4%
Interest coverage
12.95▲
2024 · 9.25
Debt
€1.55M▼
2024 · €1.66M
Debt ≤ 1 year
€387k▲
2024 · €375k
Debt > 1 year
€1.16M▼
2024 · €1.28M
Income taxes
€15k▲
2024 · €5k
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€4.05M€3.99M▼
Fixed assets21/28€3.22M€3.14M▼
Tangible fixed assets22/27€3.22M€3.14M▼
Land and buildings22€3.22M€3.14M▼
Current assets29/58€835k€846k▲
Stocks and contracts in progress3€687k€674k▼
Stocks30/36€687k€674k▼
Amounts receivable within one year40/41€168€0▼
Other amounts receivable41€168€0▼
Cash at bank and in hand54/58€136k€156k▲
Deferred charges and accrued income490/1€12k€17k▲
Equity and liabilities
Total equity and liabilities10/49€4.05M€3.99M▼
Equity10/15€2.40M€2.44M▲
Contributions10/11€1.27M€1.27M=
Reserves13€1.13M€1.17M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€1.13M€1.17M▲
Amounts payable17/49€1.66M€1.55M▼
Amounts payable after more than one year17€1.28M€1.16M▼
Financial debts170/4€1.28M€1.16M▼
Amounts payable within one year42/48€375k€387k▲
Current portion of amounts payable after more than one year42€120k€120k=
Trade debts44€91€0▼
Suppliers440/4€91€0▼
Taxes, remuneration and social security45€5k€16k▲
Taxes450/3€5k€16k▲
Other amounts payable47/48€250k€251k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€93k=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€128k€164k▲
Operating profit (loss)9901€33k€69k▲
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€20k€57k▲
Income taxes67/77€5k€15k▲
Profit (loss) for the period9904€15k€41k▲
Profit (loss) for the period to be appropriated9905€15k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€41k▲
Transfer to equity691/2€15k€41k▲
To other reserves6921€15k€41k▲
The notes to these accounts (15 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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Liquidity quadruplescurrent ratio 7.12
Current ratio from 1.67 to 7.12; short-term debt falls from €3.03M to €632k.
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Back to profitnet €774k
Net result €774k after one loss-making year.
30-09
Financial
Equity above €2MEq €2.03M ▲61.6%
Equity rises from €1.26M to €2.03M.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Tielt · 1 establishment unit since 1997
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.
Nieuwstraat 178700 TieltGround area
1,954 m²
Building footprint
697 m²
Volume, LiDAR
6,117 m³
Parcel 37015K1211/00A000, Flanders · tallest building 16.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwstraat 17, 8700 Tielt
since 19972.080.364.542
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015K1211/00A000 | Flanders | 1,954 m² | 1 · 697 m² | 16.9 m · 3 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.
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Of 7,287 companies in sector 68110 we hold annual accounts for 5,353. 2,468 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-1997
Fiscal year end30-09
Activities, NACEBEL
68110Buying and selling of own real estate
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.