Summary
Tegla is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €7.6m and a net result of €667,011. Equity has been growing by about 3.5% per year since 2019. Its solvency ranks better than 60% of 6,692 sector peers (NACE 64, financial year 2025). The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 16-01-2017 Normal situation
- Activity
- Activities of holding companies NACE 64210and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 16-08-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €667,011
- ▼ 34.5%
- Equity
- €7.6m
- ▼ 4.2%
- Total assets
- €12.2m
- ▼ 4.3%
- Staff
- ≈ 0.6 FTE
- estimated
- 2025 accounts filed 31 days after the deadline
Signalsraises risk2025 accounts filed 31 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 8 filingsDeviation from the deadline
2025
31 days late
2024
31 days late
2023
on the day
2022
on the day
2021
1 day late
2020
30 days late
2019
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00502908.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 8 filings
Equity
€7.6m▼ 4.2%
2024 · €7.9m
Net result
€667,011▼ 34.5%
2024 · €1.0m
Total assets
€12.2m▼ 4.3%
2024 · €12.8m
Solvency
61.9%▲ 0.1pp
2024 · 61.8%
In the rankings
#4 company by total assets in Oostrozebeke, Finance and insurance sector#4 company by equity in Oostrozebeke, Finance and insurance sector
Multi-year overview
2019 to 2025, 7 financial yearsTurnover
no figure
2025
20192025
Operating result
€1.1m
▼ 26.8%
2025
20192025
Net result
€667,011
▼ 34.5%
2025
highest quarter of the sector
20192025
Equity
€7.6m
▼ 4.2%
2025
highest quarter of the sector
20192025
Total assets
€12.2m
▼ 4.3%
2025
highest quarter of the sector
20192025
Debt
€4.6m
▼ 5.3%
2025
20192025
Working capital
€2.7m
▲ 2.5%
2025
highest quarter of the sector
20192025
Solvency
61.9%
▲ 0.1pp
2025
middle half of the sector
20192025
Current ratio
3.74
▼ 0.94
2025
highest quarter of the sector
20192025
Return on assets (ROA)
5.5%
▼ 2.5pp
2025
middle half of the sector
20192025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Turnover€1.0m-€1.5m▲ 51.4%€2.1m▲ 41.5%€1.3m▼ 41.0%€1.0m▼ 16.8%
Operating result€0.2m-€1.1m▲ 544%€1.8m▲ 64.9%€0.9m▼ 47.0%€0.7m▼ 27.2%€1.6m▲ 128%€1.1m▼ 26.8%
Net result€2.4m-€0.6mabove the sector's middle half▼ 76.0%€1.4mabove the sector's middle half▲ 138%€0.7mabove the sector's middle half▼ 47.0%€0.4mabove the sector's middle half▼ 41.8%€1.0mabove the sector's middle half▲ 144%€0.7mabove the sector's middle half▼ 34.5%
Equity€6.5m-€7.1mabove the sector's middle half▲ 8.8%€8.5mabove the sector's middle half▲ 19.4%€9.2mabove the sector's middle half▲ 8.5%€9.6mabove the sector's middle half▲ 4.6%€7.9mabove the sector's middle half▼ 17.8%€7.6mabove the sector's middle half▼ 4.2%
Total assets€10.7m-€12.4mabove the sector's middle half▲ 15.9%€12.2mabove the sector's middle half▼ 1.3%€12.5mabove the sector's middle half▲ 2.2%€12.8mabove the sector's middle half▲ 2.5%€12.8mabove the sector's middle half▼ 0.3%€12.2mabove the sector's middle half▼ 4.3%
Debt€4.2m-€5.3m▲ 27.1%€3.8m▼ 29.0%€3.3m▼ 12.0%€3.2m▼ 3.1%€4.9m▲ 51.9%€4.6m▼ 5.3%
Working capital€0.6m-€0.3mabove the sector's middle half▼ 45.9%€1.8mabove the sector's middle half▲ 476%€3.2mabove the sector's middle half▲ 75.0%€3.7mabove the sector's middle half▲ 13.7%€2.7mabove the sector's middle half▼ 27.6%€2.7mabove the sector's middle half▲ 2.5%
Solvency61.0%-57.2%within the sector's middle half▼ 3.8pp69.2%within the sector's middle half▲ 12.0pp73.5%within the sector's middle half▲ 4.3pp74.9%within the sector's middle half▲ 1.5pp61.8%within the sector's middle half▼ 13.1pp61.9%within the sector's middle half▲ 0.1pp
Current ratio3.49-1.17within the sector's middle half▼ 2.334.54above the sector's middle half▲ 3.3710.27above the sector's middle half▲ 5.738.41above the sector's middle half▼ 1.864.68above the sector's middle half▼ 3.733.74above the sector's middle half▼ 0.94
Return on assets (ROA)22.2%-4.6%within the sector's middle half▼ 17.6pp11.1%within the sector's middle half▲ 6.5pp5.7%within the sector's middle half▼ 5.3pp3.3%within the sector's middle half▼ 2.5pp8.0%within the sector's middle half▲ 4.7pp5.5%within the sector's middle half▼ 2.5pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 27% lower than in 2024.
Large changes and their cause
- 2024 Net result +144% on 2023. This financial year ran 21 months, the previous one 12.
- 2021 Net result +138% on 2020. The accounts now follow the micro format, last year the abbreviated format.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.2m
Fixed assets
€8.5m ▼ 9.5%
Current assets
€3.7m ▲ 10.0%
Equity and liabilities €12.2m
Equity
€7.6m ▼ 4.2%
Provisions
€35,125
Debt
€4.6m ▼ 5.3%
Debt's share of the balance-sheet total falls from 38.2% to 37.8%. Equity and debt are lower.
Key figures and ratios
ROE
8.8%▼
2024 · 12.9%
Debt ≤ 1 year
€994,155▲
2024 · €722,809
Debt > 1 year
€3.6m▼
2024 · €4.2m
Income taxes
€296,164▼
2024 · €440,052
Staff costs
€23,998▼
2024 · €24,928
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Securities and guarantees
| Item | 31-03-2022 | 31-03-2023 | 2024 | 2025 |
|---|---|---|---|---|
| Debts secured on the company's own assets | - | €3.0m | - | - |
| Debts guaranteed by Belgian public bodies | - | - | €4.6m | - |
Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 31-03-2022 | 31-03-2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | €1.3m | - |
| Depreciation and write-downs of the year | €274,358 | €274,358 | €521,068 | €372,831 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Turnover70 | €1.0m | €1.5m | €2.1m | €1.3m | €1.0m | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €0.009m | €0.02m | €0.1m | €0.02m | ▼ 85.6% |
| Remuneration, social security and pensions62 | - | - | - | €0.02m | €0.05m | €0.02m | €0.02m | ▼ 3.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.5m | €0.4m | ▼ 28.4% |
| Other operating charges640/8 | - | - | - | €0.01m | €0.02m | €0.06m | €0.06m | ▼ 4.4% |
| Gross operating margin9900 | €0.9m | €1.4m | €2.1m | €1.2m | €1.0m | €2.2m | €1.6m | ▼ 26.3% |
| Operating profit (loss)9901 | €0.2m | €1.1m | €1.8m | €0.9m | €0.7m | €1.6m | €1.1m | ▼ 26.8% |
| Financial income75/76B | - | - | - | €0.009m | €0.06m | €0.03m | - | - |
| Recurring financial income75 | - | - | - | €0.009m | €0.06m | €0.03m | - | - |
| Non-recurring financial income76B | - | - | - | €0.009m | €0.06m | - | - | - |
| Financial charges65/66B | - | - | - | €0.02m | €0.02m | €0.1m | €0.1m | ▲ 11.1% |
| Recurring financial charges65 | €0.007m | €0.02m | €0.03m | €0.02m | €0.02m | €0.1m | €0.1m | ▲ 11.1% |
| Profit (loss) for the period before taxes9903 | €2.7m | €1.0m | €1.7m | €0.9m | €0.7m | €1.5m | €1.0m | ▼ 31.6% |
| Transfer to deferred taxes680 | - | - | - | - | - | - | €0.04m | - |
| Income taxes67/77 | €0.3m | €0.5m | €0.4m | €0.2m | €0.3m | €0.4m | €0.3m | ▼ 32.7% |
| Profit (loss) for the period9904 | €2.4m | €0.6m | €1.4m | €0.7m | €0.4m | €1.0m | €0.7m | ▼ 34.5% |
| Transfer from tax-exempt reserves789 | - | - | - | - | - | €0.6m | - | - |
| Transfer to tax-exempt reserves689 | - | - | - | - | - | - | €0.1m | - |
| Profit (loss) for the period to be appropriated9905 | €2.4m | €0.6m | €1.0m | €0.7m | €0.4m | €1.6m | €0.6m | ▼ 65.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €10.7m | €12.4m | €12.2m | €12.5m | €12.8m | €12.8m | €12.2m | ▼ 4.3% |
| Fixed assets21/28 | €9.9m | €10.1m | €9.9m | €8.9m | €8.6m | €9.4m | €8.5m | ▼ 9.5% |
| Tangible fixed assets22/27 | €5.6m | €5.9m | €5.6m | €4.7m | €4.4m | €5.1m | €4.3m | ▼ 17.3% |
| Land and buildings22 | - | - | - | €4.7m | €4.4m | €5.1m | €4.3m | ▼ 17.3% |
| Financial fixed assets28 | €4.2m | €4.2m | €4.2m | €4.2m | €4.2m | €4.2m | €4.2m | = |
| Current assets29/58 | €0.8m | €2.2m | €2.4m | €3.6m | €4.2m | €3.4m | €3.7m | ▲ 10.0% |
| Amounts receivable within one year40/41 | €0.8m | €2.1m | €2.3m | €3.5m | €4.2m | €3.4m | €3.4m | ▲ 0.3% |
| Trade receivables40 | - | - | - | - | €4.2m | - | - | - |
| Other amounts receivable41 | - | - | - | €3.5m | - | €3.4m | €3.4m | ▲ 0.3% |
| Cash at bank and in hand54/58 | €0.001m | €0.2m | €0.1m | €0.04m | €0.02m | €0.02m | €0.3m | ▲ 22× |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €10.7m | €12.4m | €12.2m | €12.5m | €12.8m | €12.8m | €12.2m | ▼ 4.3% |
| Equity10/15 | €6.5m | €7.1m | €8.5m | €9.2m | €9.6m | €7.9m | €7.6m | ▼ 4.2% |
| Contributions10/11 | €4.2m | €4.2m | €4.2m | €4.2m | €4.2m | €1.5m | €0.5m | ▼ 66.7% |
| Reserves13 | €2.4m | €2.9m | €4.3m | €5.0m | €5.5m | €6.5m | €7.1m | ▲ 10.3% |
| Non-distributable reserves130/1 | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Reserves not available under the articles1311 | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Tax-exempt reserves132 | - | - | - | €0.6m | €0.6m | - | €0.1m | - |
| Distributable reserves133 | - | - | - | €4.0m | €4.4m | €6.1m | €6.6m | ▲ 9.3% |
| Profit (loss) carried forward14 | -€0.09m | -€0.09m | -€0.09m | -€0.09m | -€0.09m | -€0.09m | -€0.09m | = |
| Provisions and deferred taxes16 | - | - | - | - | - | - | €0.04m | - |
| Deferred taxes168 | - | - | - | - | - | - | €0.04m | - |
| Amounts payable17/49 | €4.2m | €5.3m | €3.8m | €3.3m | €3.2m | €4.9m | €4.6m | ▼ 5.3% |
| Amounts payable after more than one year17 | €3.9m | €3.4m | €3.2m | €3.0m | €2.7m | €4.2m | €3.6m | ▼ 12.7% |
| Financial debts170/4 | - | - | - | €3.0m | €2.7m | €4.2m | €3.6m | ▼ 12.7% |
| Amounts payable within one year42/48 | €0.2m | €1.9m | €0.5m | €0.3m | €0.5m | €0.7m | €1.0m | ▲ 37.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €0.3m | €0.5m | €0.5m | ▲ 7.1% |
| Financial debts43 | - | - | - | €0.3m | - | - | - | - |
| Credit institutions430/8 | - | - | - | €0.3m | - | - | - | - |
| Trade debts44 | - | €1.3m | - | - | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €0.07m | €0.2m | €0.2m | €0.3m | ▲ 38.4% |
| Taxes450/3 | - | - | - | €0.07m | €0.2m | €0.2m | €0.3m | ▲ 38.4% |
| Other amounts payable47/48 | - | - | - | - | - | - | €0.1m | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2.4m | €0.6m | €1.4m | €0.7m | €0.4m | €1.0m | €0.7m | ▼ 34.5% |
| + Depreciation and write-downs630 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.5m | €0.4m | ▼ 28.4% |
| Operating cash flow (approximation) | €2.7m | €0.9m | €1.7m | €1.0m | €0.7m | €1.5m | €1.0m | ▼ 32.5% |
| Investment in fixed assets (approximation) | - | -€0.6m | -€0.01m | €0.7m | -€0 | -€1.3m | €0.5m | - |
| Change in cash | - | €0.2m | -€0.05m | -€0.08m | -€0.02m | -€207 | €0.3m | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (8)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 31-08-2026 | 2026-00502908 | |
| 31-12-2024 | abbreviated format | 31-08-2025 | 2025-00457604 | |
| 31-03-2023 | abbreviated format | 31-10-2023 | 2023-00500273 | |
| 31-03-2022 | abbreviated format | 31-10-2022 | 2022-20478774 | |
| 31-03-2021 | micro format | 01-11-2021 | 2021-76500475 | |
| 31-03-2020 | abbreviated format | 30-11-2020 | 2020-73500565 | |
| 31-03-2019 | micro format | 31-12-2019 | 2019-78100235 | |
| 31-03-2018 | abbreviated format | 30-09-2018 | 2018-68100568 |
Board & ownership
Directors
Directors
1 director, last change in 2024
Henk DEKIERE
Current
Statutory director · appointed in the act of 01-02-2024 · term for the life of the company
Owners and capital
Capital transactions
Capital over time
- 01-02-2024 Converted to available equity
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, enige aandeelhouder”
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “5, alle effecten die niet door of krachtens de wet zijn verboden”
Audit, dissolution and liquidation
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “17, algemene vergadering”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Ruimste wettelijke bevoegdheden, 18”
Articles of association, deed of 01-02-2024 (in Dutch)
Network & group
Companies at the same address
2 other companiesConnections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Linked via shared directors
NOTARIAAT DEKIERE
Shared director
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
31-08
abbreviated format · 31 days late
2025
31-08
abbreviated format · 31 days late
2024
01-02
Gazette deed
Registered office moved within OostrozebekeAppointment: Henk DEKIERE (statutory director) · Amendment of the articles · Capital conversion7 points ▸
Gazette deed
Registered office moved within Oostrozebeke
Appointment: Henk DEKIERE (statutory director) · Amendment of the articles · Capital conversion7 points ▸
- General meeting, 30-12-2023
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “beschikbare eigenvermogensrekeningen” (deed in Dutch)
- Purpose change
- Registered-office move, 8780 Oostrozebeke, Stationsstraat 37
- Kind of shares, “op naam”, 100 (deed in Dutch)
- Director appointment, Henk DEKIERE (statutory director)
2023
31-10
abbreviated format · on the deadline day
31-03
Financial
Weakest financial yearnet €417,677 ▼41.8%
The net result drops to €417,677, the lowest from 2019 to 2025. It recovers the following year.
2022
31-10
abbreviated format · on the deadline day
31-03
Financial
Liquidity more than doubledcurrent ratio 10.27
The current ratio rises from 4.54 to 10.27. Short-term debt falls from €521,701 to €348,493.
2021
01-11
micro format · 1 day late
31-03
Financial
Liquidity more than triplescurrent ratio 4.54
The current ratio rises from 1.17 to 4.54. Short-term debt falls from €1.9m to €521,701.
2020
30-11
abbreviated format · 30 days late
2019
31-12
micro format · 61 days late
2018
30-09
abbreviated format · 31 days before the deadline
2017
09-02
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Tegla in Dutch
Enterprise number
0670.487.259
Legal form
Private limited company
Status
Active, normale toestand
Founded
16-01-2017
Entity type
Legal entity
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“2, Vlaams Gewest”
deed of 01-02-2024 (in Dutch)Registered office and establishments
Registered office
Stationsstraat 37, 8780 Oostrozebeke, Belgium
Activities
NACEBEL 202564210
Activities of holding companies main activity
70200
Business and other management consultancy
Codes under NACEBEL 2008
64200
Holdings main activity
70220
Business consulting
Invoicing and payment
VAT number
BE 0670.487.259
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Saturday of June at 11:00
deed of 01-02-2024 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,338 m²
Building footprint
344 m²
Building volume
2,291 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 37010E0376/00N008 | Flanders | 1,338 m² | 1 · 344 m² | 11.9 m · 2 |