Turnover
≈ €7,900 estimated
The micro format states no turnover.
TEM SOLUTIONS
Overview
Lifetime
1 annual account with figurespeak €1,692 (2025)
€1,692
peak €967 (2025)
€967
peak €5,517 (2025)
€5,517
€20,955
Board1 name since 2024
1 directorTEMPESTA Giovanna Elisa
Documentsfilings and deeds
05-10-202666 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€20,955 79% of the balance sheet
Financial debts 10%Suppliers 36%Taxes and wages 54%
Of this, €18,762 falls due within a year.
Position in the sector
€5,517
Less equity than 86% of companies in head offices and management consultancy. Sector median €78,216 · 39,396 companies.
2025 accounts filed 66 days after the deadline
Checked score
66
Healthy
Financially stronger than 18% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.6%lowest value
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.7%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.8%▲ +0.1 percentage points vs 06-2026
08-2026: 0.9%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.9%● unchanged vs 08-2026
10-2026: 0.7%▼ -0.2 percentage points vs 09-2026
11-2026: 0.8%▲ +0.1 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 66 days late; 1 of the last 3 accounts late
No registered site in the KBO
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €26,472
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 24% of them on solvency, 8% on liquidity and 22% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 294 companies had the same profile as TEM SOLUTIONS has now. Each dot is one company, two years later.
95.6%
were still trading
2.0%
stopped another way
2.4%
went bankrupt
That fits the bankruptcy probability of TEM SOLUTIONS itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 294 companies, not a prediction for TEM SOLUTIONS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 39364 sector peers (2025).
NBB · sector comparisonPosition among 39364 sector peers
Solvency
better than 24%
← weakest
strongest →
raises risk · Young company
Founded in 2024, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 66 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-10-2026, 66 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 · 1 filingDeviation from the deadline
2025
66 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016987095
Incorporation
Founding capital of €5,000, 100 shares · Founder: TEMPESTA Giovanna Elisa · Appointment: TEMPESTA Giovanna Elisa (director) · published on 09-12-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TEM SOLUTIONS Lennik | €26,472 | €1,692 | 20.8% | - |
| GEMINI SERVICES & SOLUTIONS Sint-Pieters-Leeuw | €24,839 | €1,596 | 12.7% | - |
| CHP INVEST Bilzen-Hoeselt | €24,077 | €1,586 | 26.0% | - |
| SOBERG CONSULT Ixelles | €24,658 | €2,043 | 37.9% | - |
| Origenis Kampenhout | €19,234 | €1,668 | 54.5% | - |
| VM FINOPS Linter | €19,860 | €1,720 | 3.8% | - |
| CAPA Consulting Zedelgem | €32,352 | €1,759 | 15.5% | - |
These companies have the same main activity as TEM SOLUTIONS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €19,200 and €32,400, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 05-12-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 23-01-2026
Insights on TEM SOLUTIONS
TEM SOLUTIONS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,517 and a net result of €967.
Its solvency ranks better than 24% of 39,364 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 05-10-2026, 66 days late€1,692
€1,519
€967
€7,710
20.8%
1.41
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €7,900. Estimated: probably between €3,800 and €16,000.
Balance sheet
balance sheet total €26,472 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
20.8%
Higher than 24% of 39,364 companies in 2025.
1.41
Higher than 37% of 38,048 companies in 2025.
3.7%
Higher than 28% of 38,520 companies in 2025.
TEM SOLUTIONS
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
26,472 | |
29/58 |
26,472 | |
40/41 |
24,768 | |
40 |
308 | |
41 |
24,460 | |
54/58 |
1,704 | |
| Balance sheet: equity and liabilities | ||
10/49 |
26,472 | |
10/15 |
5,517 | |
10/11 |
4,550 | |
14 |
967 | |
17/49 |
20,955 | |
17 |
2,193 | |
170/4 |
2,193 | |
42/48 |
18,762 | |
44 |
7,508 | |
440/4 |
7,508 | |
45 |
11,255 | |
450/3 |
11,255 | |
| Income statement | ||
9900 |
1,692 | |
640/8 |
173 | |
9901 |
1,519 | |
65/66B |
240 | |
65 |
240 | |
9903 |
1,279 | |
67/77 |
312 | |
9904 |
967 | |
9905 |
967 | |
| Appropriation of the result | ||
9906 |
967 | |
| Document | ||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 05-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 05-10-2026 | 2026-00545850 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 7,710 | ||
| 20.8% | ||
| 1.41 | ||
| 3.80 | ||
| 17.5% | ||
| 3.7% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on TEM SOLUTIONS
Debt's share of the balance-sheet total is 79.2%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 09-12-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todayTEMPESTA Giovanna Elisa
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- TEMPESTA Giovanna Elisa
- Director (not named in the articles), appointed by deed of 09-12-2024, still in office
Control
Capital
- Contribution
- €4,550
- Shares
- 100
- Contribution per share
- €45.50
- Equity per share
- €55.17 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 09-12-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 100 shares
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Artikel 9, indien de vennootschap maar één aandeelhouder meer telt, dan kan deze het geheel of een deel van de aandelen vrij overdragen”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June at 12:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 09-12-2024 ↗
- TEMPESTA Giovanna Elisa 100 shares (100%) · €5,000 in cash
Network & group
No group
TEM SOLUTIONS has no parent and no holdings in its annual accounts. TEMPESTA Giovanna Elisa is the only director. TEM SOLUTIONS shares no director with another company.
Timeline
Timeline
3 events since 2024Filings
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 66 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016987095
2024
IncorporationFounding capital of €5,000, 100 shares · Founder: TEMPESTA Giovanna Elisa · Appointment: TEMPESTA Giovanna Elisa (director) · published on 09-12-20247 points ▸
- Founder, TEMPESTA Giovanna Elisa
- Founding capital, €5,000, 100 shares
- TEMPESTA Giovanna Elisa holds all the shares
- Registered office clause, Assesteenweg 198 B, 1750 Lennik
- Board rule, 1
- Director appointment, TEMPESTA Giovanna Elisa (director (not named in the articles))
- Permanent representative, TEMPESTA Giovanna Elisa
- The deed holds 3 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1016.987.095
- VAT number
- BE 1016.987.095
- Peppol ID
- 0208:1016987095
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 05-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June at 12:00deed of 09-12-2024 (in Dutch)
- Peppol
- Reachable since 23-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- TEM SOLUTIONS in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 09-12-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 09-12-2024 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
73110
Advertising agencies
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Adviesverlening en Consultancy; Managementactiviteiten; Het verstrekken van advies, de aanwerving, de selectie, de opleiding en het beheer…”deed of 09-12-2024 (in Dutch)
19 activities
- Adviesverlening en Consultancy;
- Managementactiviteiten;
- Het verstrekken van advies, de aanwerving, de selectie, de opleiding en het beheer van personeel; alsmede de administratie en de organisatie van kantoren;
- Outsourcing van personeel in alle sectoren;
- Het uitvoeren van of deelnemen aan het bestuur, de organisatie, herstructurering of leiding, door het geven van adviezen op technisch, commercieel, juridisch en financieel gebied, door het verstrekken van advies inzake bedrijfsbeheer en in het algemeen consultancy; dit alles is de breedste zin, zodat alles gedaan kan worden dat het ontstaan, de uitbating de groei en het welzijn van een onderneming en de belangen van haar eigenaars en betrokkenen ten goede kan komen;
- Het deelnemen in en het financieren van andere ondernemingen van welke aard ook, het instaan voor schulden van derden, het beleggen van vermogen voor eigen rekening, zomede al hetgeen met het vorenstaande verband houdt of daartoe bevorderlijk kan zijn.
- Het bouwen en laten bouwen d.m.v. projectontwikkeling, het verwerven, beheren, exploiteren, huren en verhuren, vervreemden van onroerende of roerende goederen en zaken in het binnen en buitenland, hetzij voor eigen rekening hetzij voor rekening van derden en alle activiteiten die hiermee samenhangen.
- Het bemiddelen, in opdracht van derden, van overeenkomsten of diensten, het aanbrengen van zaken, cliënten financiers of andere in de breedste zin. Hieronder kunnen worden begrepen alle transacties of handelingen die kaderen in een commissie-, agentuur-, distributie-, concessie-, of lastgevingsovereenkomst of enige andere overeenkomst waarbij de vennootschap als tussenpersoon, aanbrenger of distributeur optreedt.
- Verkoop en verhuur van auto's en andere voertuigen;
- Uitbating taxibedrijf;
- Het verhuren van alle mogelijke voertuigen, autorijtuigen en transportmiddelen;
- Vervoer van personen, Taxi, (Uber,…);
- Consultancy en advies op het gebied van marketing en publiciteit;
- Groot- en kleinhandel, import en export van materialen en producten die nodig of dienstig zijn voor de voormelde activiteiten;
- Het opstellen, het uitgeven, het verspreiden en het inrichten van opleidingscursussen inzake bovenvermelde materies;
- Het verlenen van adviezen van financiële, technische, commerciële of administratieve aard in de ruimste zin;
- Het ontwikkelen, kopen, verkopen, beheer, in licentie nemen of geven van brevetten, octrooien, know-how en andere intellectuele rechten;
- Het waarnemen van alle bestuursopdrachten in vennootschappen, het uitoefenen van mandaten en functies in ondernemingen;
- Secretariaat/office management;
Registered office and establishments
| Assesteenweg 198 B registered office 1750 Lennik |
Buildings and parcels at the address
- Ground area
- 266 m²
- Buildings
- 88 m²
- Volume, LiDAR
- 587 m³
- Tallest building
- 10.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23072A0295/00N000 | 266 m² | 1 · 88 m² | 10.6 m · 2 |