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TEMA INVEST

Active
Private limited companyfounded 2012active for 13 yearsGroot-Bijgaardenstraat 67, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0500.822.678
Summary

TEMA INVEST has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €492,262 and a net result of -€4,905. Equity is growing by about 17% per year across the filed financial years. Its solvency ranks better than 58% of 11,191 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

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TEMA INVESTActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Buying and selling of own real estate
NACE 68110
Size
≈ €190,000turnover 2025, estimated
Equity
€492,262
Loss
-€4,905
Turnover estimated from the gross margin
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Holdings
1
2025 accounts filed 2 days late2 of 7 deeds summarised
Why 91raises riskNo registered site in the KBOLiquidity: current ratio 1.17, cash €42,610lowers riskSize: total assets €1.2mFigures for financial year 2025 (filed 03-02-2026)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 48% of its sector peers (NACE 68, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 66+2
equity 41.2% of total assets
Liquidity 48=
short-term debt 19.7% · cash 3.6%
Profitability 58-14
return on assets -0.4%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,617 companies, NACE 68, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.2%▲ +0.1 percentage points vs 12-2024 02-2025: 0.1%▼ -0.1 percentage points vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.2%▲ +0.1 percentage points vs 12-2025 02-2026: 0.4%▲ +0.2 percentage points vs 01-2026highest value 03-2026: 0.1%▼ -0.3 percentage points vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.17, compared with 1.29 in 2024, below the usual 1.5; short-term debt: 19.7% and cash: 3.6% of total assets), and 58.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 68, micro): better than 58% on solvency, 45% on liquidity, 47% on profitability and 41% on growth.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €1.2m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · No registered site in the KBO
KBO · seat and establishments
lowers risk · Figures for financial year 2025 (filed 03-02-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.17, cash €42,610
NBB · annual accounts
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
2 days late
2024
1 day early
2023
1 day early
2022
on the day
2021
on the day
2020
1 day late
2019
98 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 14 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end28-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Appointments: Maurizio Terrazzinno (director) and Patrizia…Permanent representative: Maurizio Terrazzinno ·…
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • New directorslatest change 02-07-2026 · 3 in office 3 joined View
  • Total assets 20256 financial years filed €1.2m View
  • Active since 2012founded 15-11-2012 13 years View

By topic

Financials

Financial year
2025
Total assets
€1.2m
Loss
-€4,905
Solvency
41.2%
Total assets▼ 5.3%
Net result
20192025
Go to Financials

Board & ownership

Board
3 members
  • Maurizio TerrazzinnoDirector
  • Patrizia RigodanzoDirector
  • Terrazzino MaurizioDirector
Go to Board & ownership

Timeline

Events
18
Since
2015
Next accounts
by 31-01-2027
  1. 30-01-2024Annual accounts filed
  2. 30-06-2023Liquidity more than doubled
  3. 31-01-2023Annual accounts filed
Go to Timeline

Company details

Legal form
Private limited company
Activity
Buying and selling of own real estateNACE 68110
Founded
15-11-2012
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
37
Annual meeting
First Tuesday of December at 18:00
Purpose
“Alle verrichtingen met betrekking tot het beheer van haar vermogen; De vennootschap kan…” (deed in Dutch)
Go to Articles of association

Key facts about TEMA INVEST

What is the company number of TEMA INVEST?
0500.822.678. In Belgium the VAT number is the company number with BE in front: BE 0500.822.678.
Where is TEMA INVEST based?
The registered office is at Groot-Bijgaardenstraat 67, 1600 Sint-Pieters-Leeuw.Company details
What does TEMA INVEST do?
According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
What is the legal form of TEMA INVEST?
Private limited company (BV).
When was TEMA INVEST founded?
On 15-11-2012.
Is TEMA INVEST still active?
Yes, TEMA INVEST is an active enterprise in the KBO register.
What is the turnover of TEMA INVEST?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is TEMA INVEST profitable?
In financial year 2025, TEMA INVEST made a loss of €4,905.
Where can I find the annual accounts of TEMA INVEST?
TEMA INVEST filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TEMA INVEST due?
By 31-01-2027, for financial year 2026.Timeline

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