TEM
ActiveTEM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €25k. Equity is growing by ~83.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 4488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
87
/ 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
Profitability100▲+9
Solvency100▲+28
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.92 against 1.04 in 2024; short-term debt: 23.2% and cash: 47.8% of total assets), and 23.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
76.8%
Return on assets
38%
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 07-08-2026, 7 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 · 4 filingsDeviation from the deadline
2025
7 d late
2024
263 d late
2023
61 d late
2022
68 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€57k
EBIT margin
3.6%
Net result
€25k▲ 157%
2024 · €10k
2022: €2k
2023: €8k
2024: €10k
2022 → 2025
Working capital
€45k▲ 3,865%
2024 · €1k
2022: €913
2023: €-25k
2024: €1k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€57k-
Equity€8k-€16k▲ 102%€26k▲ 61.4%€51k▲ 97.6%
Operating result€2k-€8k▲ 293%€11k▲ 38.0%€26k▲ 131%
Net result€2k-€8k▲ 303%€10k▲ 21.8%€25k▲ 157%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 131% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€6k▼ 75.3%
Current assets
€60k▲ 98.9%
Equity and liabilities €66k
Equity
€51k▲ 97.6%
Debt
€15k▼ 47.3%
The debt ratio falls from 53.1% to 23.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €30k
Cash flow
€44k▲
2024 · €28k
Solvency
76.8%▲
2024 · 46.9%
Current ratio
3.92▲
2024 · 1.04
Quick ratio
3.92▲
2024 · 1.04
Debt / equity
0.30▼
2024 · 1.13
ROE
49.4%▲
2024 · 38.0%
ROA
38.0%▲
2024 · 17.9%
Interest coverage
593.77▲
2024 · 403.12
Debt
€15k▼
2024 · €29k
Debt ≤ 1 year
€15k▼
2024 · €29k
Income taxes
€1k▼
2024 · €1k
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€55k€66k▲
Fixed assets21/28€25k€6k▼
Tangible fixed assets22/27€25k€6k▼
Furniture and vehicles24€25k€6k▼
Current assets29/58€30k€60k▲
Amounts receivable within one year40/41€15k€29k▲
Trade receivables40€15k€16k▲
Other amounts receivable41€403€13k▲
Cash at bank and in hand54/58€15k€32k▲
Equity and liabilities
Total equity and liabilities10/49€55k€66k▲
Equity10/15€26k€51k▲
Contributions10/11€250€250=
Profit (loss) carried forward14€26k€51k▲
Amounts payable17/49€29k€15k▼
Amounts payable within one year42/48€29k€15k▼
Trade debts44€22k€15k▼
Suppliers440/4€22k€15k▼
Other amounts payable47/48€7k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€2k€682▼
Gross operating margin9900€32k€45k▲
Operating profit (loss)9901€11k€26k▲
Financial income75/76B-€602
Recurring financial income75-€602
Non-recurring financial income76B-€602
Financial charges65/66B€74€75▲
Recurring financial charges65€74€75▲
Profit (loss) for the period before taxes9903€11k€26k▲
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€10k€25k▲
Profit (loss) for the period to be appropriated9905€10k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€51k▲
Profit (loss) brought forward from the previous period14P€16k€26k▲
The notes to these accounts (4 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
20-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 263 days late
2025
31-12
Financial
Highest result since 2022net €25k ▲157%
Operating result €26k, net result €25k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.92
Current ratio from 1.04 to 3.92; short-term debt falls from €29k to €15k.
2024
31-12
Financial
Liquidity triplescurrent ratio 1.04
Current ratio from 0.40 to 1.04; short-term debt falls from €42k to €29k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 68 days late
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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
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.
Edmond Bonehillstraat 271080 Sint-Jans-MolenbeekGround area
114 m²
Building footprint
114 m²
Volume, LiDAR
1,491 m³
Parcel 21523B0826/00P010, Brussels · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
TEM
since 20192.284.055.238
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0826/00P010 | Brussels | 114 m² | 1 · 114 m² | 15.6 m · 4 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 7,002 companies in sector 49320 we hold annual accounts for 2,712. 2,135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded07-01-2019
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.