TEM TEC
ActiveSummary
TEM TEC has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €66k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency29▼-41
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
3.7%
Return on assets
61.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9494 sector peers (2025).
NBB · sector comparisonPosition among 9494 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-05-2026, 82 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
82 d early
2024
13 d late
2023
30 d early
2022
13 d early
2021
31 d late
2020
146 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 93.3%
2024 · €60k
2020: €40k
2021: €91k▲ +128% vs 2020
2022: €147k▲ +61.9% vs 2021highest in 6 years
2023: €4k▼ -97.3% vs 2022lowest in 6 years
2024: €60k▲ +1394% vs 2023
2025: €4k▼ -93.3% vs 2024lowest in 6 years
2020 → 2025
Total assets
€107k▼ 20.1%
2024 · €134k
2020: €75klowest in 6 years
2021: €123k▲ +63.9% vs 2020
2022: €173k▲ +40.2% vs 2021
2023: €248k▲ +43.2% vs 2022highest in 6 years
2024: €134k▼ -46.0% vs 2023
2025: €107k▼ -20.1% vs 2024
2020 → 2025
Net result
€66k▲ 17.8%
2024 · €56k
2020: €36klowest in 6 years
2021: €51k▲ +42.5% vs 2020
2022: €56k▲ +10.2% vs 2021
2023: €61k▲ +7.8% vs 2022
2024: €56k▼ -7.9% vs 2023
2025: €66k▲ +17.8% vs 2024highest in 6 years
2020 → 2025
Working capital
€2k▼ 96.9%
2024 · €59k
2020: €32k
2021: €88k▲ +174% vs 2020
2022: €146k▲ +66.4% vs 2021highest in 6 years
2023: €3k▼ -97.7% vs 2022
2024: €59k▲ +1700% vs 2023
2025: €2k▼ -96.9% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€147k▲ 61.9%€4k▼ 97.3%€60k▲ 1,394%€4k▼ 93.3%
2021: €91k
2022: €147k▲ +61.9% vs 2021highest in 5 years
2023: €4k▼ -97.3% vs 2022lowest in 5 years
2024: €60k▲ +1394% vs 2023
2025: €4k▼ -93.3% vs 2024lowest in 5 years
Operating result€65k-€71k▲ 9.4%€78k▲ 10.4%€69k▼ 12.4%€85k▲ 24.2%
2021: €65klowest in 5 years
2022: €71k▲ +9.4% vs 2021
2023: €78k▲ +10.4% vs 2022
2024: €69k▼ -12.4% vs 2023
2025: €85k▲ +24.2% vs 2024highest in 5 years
Net result€51k-€56k▲ 10.2%€61k▲ 7.8%€56k▼ 7.9%€66k▲ 17.8%
2021: €51klowest in 5 years
2022: €56k▲ +10.2% vs 2021
2023: €61k▲ +7.8% vs 2022
2024: €56k▼ -7.9% vs 2023
2025: €66k▲ +17.8% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€3k ▲ 504%
Current assets
€104k ▼ 21.9%
Equity and liabilities €107k
Equity
€4k ▼ 93.3%
Debt
€103k ▲ 39.1%
Debt's share of the balance-sheet total rises from 55.3% to 96.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€86k▲
2024 · €69k
Cash flow
€66k▲
2024 · €56k
Current ratio
1.02▼
2024 · 1.80
Debt to equity
25.70▲
2024 · 1.24
ROA
61.5%▲
2024 · 41.7%
Interest coverage
60.51▲
2024 · 39.81
Debt ≤ 1 year
€102k▲
2024 · €74k
Income taxes
€18k▲
2024 · €14k
A ratio outside any meaningful range has been withheld (balance sheet total €107k, equity €4k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€134k€107k▼
Fixed assets21/28€459€3k▲
Tangible fixed assets22/27€459€3k▲
Plant, machinery and equipment23€459€212▼
Other tangible fixed assets26-€3k
Current assets29/58€133k€104k▼
Amounts receivable within one year40/41€117k€16k▼
Trade receivables40€17k€16k▼
Other amounts receivable41€100k-
Cash at bank and in hand54/58€14k€85k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€134k€107k▼
Equity10/15€60k€4k▼
Contributions10/11€4k€4k=
Outside capital11€4k€4k=
Other1109/19€4k€4k=
Profit (loss) carried forward14€56k-
Amounts payable17/49€74k€103k▲
Amounts payable within one year42/48€74k€102k▲
Financial debts43€40k-
Other loans439€40k-
Trade debts44€23k€7k▼
Suppliers440/4€23k€7k▼
Taxes, remuneration and social security45€11k€22k▲
Taxes450/3€11k€22k▲
Other amounts payable47/48-€73k
Accrued charges and deferred income492/3-€598
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€248€256▲
Other operating charges640/8€921€1k▲
Gross operating margin9900€70k€87k▲
Operating profit (loss)9901€69k€85k▲
Financial income75/76B€3k€75▼
Recurring financial income75€3k€75▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€70k€84k▲
Income taxes67/77€14k€18k▲
Profit (loss) for the period9904€56k€66k▲
Profit (loss) for the period to be appropriated9905€56k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€121k▲
Profit (loss) brought forward from the previous period14P-€56k
Profit to be distributed694/7-€121k
Return on contributions (dividend)694-€121k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €2k | €400 | €248 | €256 | ▲ 3.4% |
| Other operating charges640/8 | €780 | €1k | €1k | €921 | €1k | ▲ 18.3% |
| Gross operating margin9900 | €72k | €74k | €80k | €70k | €87k | ▲ 24.1% |
| Operating profit (loss)9901 | €65k | €71k | €78k | €69k | €85k | ▲ 24.2% |
| Financial income75/76B | - | - | - | €3k | €75 | ▼ 97.5% |
| Recurring financial income75 | - | - | - | €3k | €75 | ▼ 97.5% |
| Financial charges65/66B | €67 | €69 | €1k | €2k | €1k | ▼ 18.3% |
| Recurring financial charges65 | €67 | €69 | €1k | €2k | €1k | ▼ 18.3% |
| Profit (loss) for the period before taxes9903 | €65k | €71k | €77k | €70k | €84k | ▲ 20.0% |
| Income taxes67/77 | €14k | €15k | €17k | €14k | €18k | ▲ 28.6% |
| Profit (loss) for the period9904 | €51k | €56k | €61k | €56k | €66k | ▲ 17.8% |
| Profit (loss) for the period to be appropriated9905 | €51k | €56k | €61k | €56k | €66k | ▲ 17.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €123k | €173k | €248k | €134k | €107k | ▼ 20.1% |
| Fixed assets21/28 | €3k | €1k | €707 | €459 | €3k | ▲ 504% |
| Tangible fixed assets22/27 | €3k | €1k | €707 | €459 | €3k | ▲ 504% |
| Plant, machinery and equipment23 | €2k | €1k | €707 | €459 | €212 | ▼ 53.9% |
| Furniture and vehicles24 | €1k | - | - | - | - | - |
| Other tangible fixed assets26 | - | - | - | - | €3k | - |
| Current assets29/58 | €120k | €172k | €247k | €133k | €104k | ▼ 21.9% |
| Amounts receivable within one year40/41 | €13k | €13k | €11k | €117k | €16k | ▼ 85.9% |
| Trade receivables40 | €13k | €13k | €11k | €17k | €16k | ▼ 2.4% |
| Other amounts receivable41 | - | - | €16 | €100k | - | - |
| Cash at bank and in hand54/58 | €107k | €158k | €235k | €14k | €85k | ▲ 522% |
| Deferred charges and accrued income490/1 | - | - | €238 | €2k | €3k | ▲ 5.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €123k | €173k | €248k | €134k | €107k | ▼ 20.1% |
| Equity10/15 | €91k | €147k | €4k | €60k | €4k | ▼ 93.3% |
| Contributions10/11 | €4k | €4k | €4k | €4k | €4k | = |
| Capital10 | €4k | €4k | - | - | - | - |
| Issued capital100 | €4k | €4k | - | - | - | - |
| Outside capital11 | - | - | €4k | €4k | €4k | = |
| Other1109/19 | - | - | €4k | €4k | €4k | = |
| Profit (loss) carried forward14 | €87k | €143k | - | €56k | - | - |
| Amounts payable17/49 | €33k | €26k | €244k | €74k | €103k | ▲ 39.1% |
| Amounts payable within one year42/48 | €33k | €26k | €244k | €74k | €102k | ▲ 38.3% |
| Financial debts43 | - | - | - | €40k | - | - |
| Other loans439 | - | - | - | €40k | - | - |
| Trade debts44 | €4k | €3k | €14k | €23k | €7k | ▼ 70.0% |
| Suppliers440/4 | €4k | €3k | €14k | €23k | €7k | ▼ 70.0% |
| Taxes, remuneration and social security45 | €28k | €23k | €26k | €11k | €22k | ▲ 104% |
| Taxes450/3 | €26k | €22k | €25k | €11k | €22k | ▲ 104% |
| Remuneration and social security454/9 | €2k | €1k | €1k | - | - | - |
| Other amounts payable47/48 | €668 | - | €204k | - | €73k | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €598 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €51k | €56k | €61k | €56k | €66k | ▲ 17.8% |
| + Depreciation and write-downs630 | €6k | €2k | €400 | €248 | €256 | ▲ 3.4% |
| Operating cash flow (approximation) | €57k | €58k | €61k | €56k | €66k | ▲ 17.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-3k | - |
| Change in cash | - | €52k | €77k | €-222k | €71k | ▲ 132% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €66k ▲17.8%
Operating result €85k, net result €66k, both a record.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €147k ▲61.9%
3 profitable years in a row build equity to €147k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 146 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2020
Ground area
241 m²
Building footprint
64 m²
Volume, LiDAR
513 m³
Parcel 11056B0862/00V002, Flanders · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TEM TEC
since 20202.300.824.558
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056B0862/00V002 | Flanders | 241 m² | 1 · 63 m² | 9.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 11,546 companies in sector 71121 we hold annual accounts for 6,561. 1,618 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-04-2020
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
Scores and ratios are computed by Checked and are not a credit decision.