Tembo · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Tembo is 0.5% (low). The 2025 annual accounts show equity of €3k and a net result of €2k. Its solvency ranks better than 52% of 2732 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Trust signals

3 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.5% Low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€2k

Working capital€2k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	64.5%	62.2%	better than 52% of 2732 sector peers
Net result	€2k	€40k	better than 14% of 2734 sector peers
Equity	€3k	€62k	better than 10% of 2733 sector peers
Gross operating margin	€3k	€63k	better than 9% of 2734 sector peers
Total assets	€4k	€120k	better than 5% of 2734 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€3k

- -28% vs sector

Net profit

€2k

- far above sector median

Cash flow

€2k

- +3% vs sector

Total assets

€4k

+13.4% -94% vs sector

Equity

€3k

+469.3% -84% vs sector

Working capital

€2k

- -88% vs sector

Debt

€1k

-53.9% -86% vs sector

Debt ≤ 1y

€1k

-53.9% -86% vs sector

Current ratio

2.29

+187.1% -45% vs sector

Quick ratio

2.29

+243.2% -45% vs sector

Solvency

64.5%

+402.2% -19% vs sector

Debt / equity

0.55

-91.9% +110% vs sector

ROE

82.4%

- far above sector median

ROA

53.2%

- far above sector median

Interest coverage

17.44

- +174% vs sector

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€3k
Net profit	€2k
Cash flow	€2k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€4k
Equity	€3k
Debt	€1k
of which ≤ 1y	€1k
of which > 1y	-
Working capital	€2k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.29
Quick ratio	2.29
Working capital ratio	45.9%
Solvency	64.5%
Debt / equity	0.55
Long-term debt ratio	-
Interest coverage	17.44
Gross margin	-
Net margin	-
ROA	53.2%
ROE	82.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €3k · 64.5% Debt €1k · 35.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€4k
Formation expenses	20	€740
Current assets	29/58	€3k
Stocks & contracts in progress	3	€0
Amounts receivable within one year	40/41	€0
Cash & bank	54/58	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€4k
Equity	10/15	€3k
Contributions / capital	10/11	€4k
Accumulated profits (losses)	14	€-1k
Amounts payable	17/49	€1k
Amounts payable within one year	42/48	€1k
Trade debts payable within one year	44	€681
Income statement
Gross operating margin	9900	€3k
Operating result	9901	€2k
Financial income	75	€0
Financial charges	65	€148
Result before taxes	9903	€2k
Net result for the period	9904	€2k
Result to be appropriated	9905	€2k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Former directors (1)

Brecht Dewilde
Director
State Gazette act 26010841 (22-01-2026)

Former
- → 02-12-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

indexing

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Ontwerpen van computerprogramma’s(62100)
Legal form	Private limited company(610)
Incorporation	06-09-2022
Status	Active
Postal code	8600

Structure & network

Locations & real estate

Establishment units

1 location

Tembo

Ramboutstraat 25, 8600 DiksmuideOntwerpen en programmeren van computerprogramma's

since 20222.335.400.605

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area6,038 m²

Buildings1

Building footprint181 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)