TEMDIS
ActiveSummary
TEMDIS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €733,935 and a net result of €285,363. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+22
Solvency56▲+11
Growth67=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.8 in 2024; short-term debt: 49.6% and cash: 17.5% of total assets), and 69% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
31%
Return on assets
12.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
on the day
2022
3 d late
2021
2 d early
2020
1 d early
2019
on the day
← 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 on the deadline day; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€12.4m▲ 7.6%
2023 · €11.5m
EBIT margin
2.0%▲ 1.0pp
2023 · 1.1%
Net result
€285,363▲ 67.4%
2024 · €170,496
Working capital
-€90,944▲ 71.7%
2024 · -€321,584
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€11.5m€12.4m▲ 7.6%
Operating result€634,960▲ 212%€155,942▼ 75.4%€122,146▼ 21.7%€253,973▲ 108%€418,057▲ 64.6%
Net result€440,297▲ 148%€101,161▼ 77.0%€76,901▼ 24.0%€170,496▲ 122%€285,363▲ 67.4%
EBIT margin1.1%2.0%▲ 1.0pp
Equity€549,214▲ 404%€650,376▲ 18.4%€727,277▲ 11.8%€548,572▼ 24.6%€733,935▲ 33.8%
Total assets€1.6m▲ 8.0%€1.6m=€1.7m▲ 7.7%€2.7m▲ 60.1%€2.4m▼ 12.0%
Debt€1.0m▼ 24.3%€910,614▼ 10.0%€953,257▲ 4.7%€2.1m▲ 125%€1.6m▼ 23.7%
Working capital€115,607▼ 21.4%€59,873▼ 48.2%-€3,791-€321,584▼ 8,382%-€90,944▲ 71.7%
Staff (FTE)25=21.1▼ 15.6%19.1▼ 9.5%19.2▲ 0.5%23▲ 19.8%
Why a figure moved sharply
- 2025 Net result +67% on 2024. The accounts now follow the abbreviated schema, last year the full schema.
- 2024 Total assets +60% on 2023. Cause not known from the registers.
- 2022 Net result -77% on 2021. Cause not known from the registers.
- 2021 Net result +148%, Equity +404% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 65% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€1.3m ▼ 7.6%
Current assets
€1.1m ▼ 16.7%
Equity and liabilities €2.4m
Equity
€733,935 ▲ 33.8%
Debt
€1.6m ▼ 23.7%
Debt's share of the balance-sheet total falls from 79.6% to 69.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€659,229▲
2024 · €431,722
Cash flow
€526,535▲
2024 · €348,245
Current ratio
0.92▲
2024 · 0.80
Quick ratio
0.39▼
2024 · 0.41
Debt to equity
2.23▼
2024 · 3.90
ROE
38.9%▲
2024 · 31.1%
ROA
12.1%▲
2024 · 6.3%
Interest coverage
19.11▼
2024 · 70.23
Debt ≤ 1 year
€1.2m▼
2024 · €1.6m
Debt > 1 year
€460,000▼
2024 · €520,000
Income taxes
€98,933▲
2024 · €62,679
Staff costs
€769,457▲
2024 · €647,756
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,792 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | €11.8m | €12.7m | - | - |
| Turnover70 | - | - | €11.5m | €12.4m | - | - |
| Other operating income74 | - | - | €279,793 | €327,159 | - | - |
| Operating charges60/66A | - | - | €11.7m | €12.5m | - | - |
| Goods for resale, raw materials and consumables60 | - | - | €9.4m | €10.1m | - | - |
| Purchases600/8 | - | - | €9.5m | €10.0m | - | - |
| Change in stocks: decrease (increase)609 | - | - | -€92,019 | €49,037 | - | - |
| Services and other goods61 | - | - | €1.5m | €1.6m | - | - |
| Remuneration, social security and pensions62 | - | €643,548 | €682,442 | €647,756 | €769,457 | ▲ 18.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €171,761 | €133,327 | €139,750 | €177,749 | €241,172 | ▲ 35.7% |
| Other operating charges640/8 | - | €15,435 | €17,054 | €18,858 | €20,116 | ▲ 6.7% |
| Gross operating margin9900 | €1.6m | €948,251 | - | - | €1.4m | - |
| Operating profit (loss)9901 | €634,960 | €155,942 | €122,146 | €253,973 | €418,057 | ▲ 64.6% |
| Financial income75/76B | - | €819 | €583 | - | €739 | - |
| Recurring financial income75 | €1,160 | €819 | €583 | - | €739 | - |
| Other financial income752/9 | - | - | €583 | - | - | - |
| Financial charges65/66B | - | €16,699 | €14,145 | €20,798 | €34,500 | ▲ 65.9% |
| Recurring financial charges65 | €19,824 | €16,699 | €14,145 | €20,798 | €34,500 | ▲ 65.9% |
| Debt charges650 | - | - | €940 | €6,147 | - | - |
| Other financial charges652/9 | - | - | €13,206 | €14,651 | - | - |
| Profit (loss) for the period before taxes9903 | €616,296 | €140,061 | €108,584 | €233,175 | €384,296 | ▲ 64.8% |
| Income taxes67/77 | €175,999 | €38,900 | €31,683 | €62,679 | €98,933 | ▲ 57.8% |
| Taxes670/3 | - | - | €31,683 | €62,700 | - | - |
| Tax adjustments and reversals of tax provisions77 | - | - | - | €21 | - | - |
| Profit (loss) for the period9904 | €440,297 | €101,161 | €76,901 | €170,496 | €285,363 | ▲ 67.4% |
| Profit (loss) for the period to be appropriated9905 | €440,297 | €101,161 | €76,901 | €170,496 | €285,363 | ▲ 67.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.6m | €1.6m | €1.7m | €2.7m | €2.4m | ▼ 12.0% |
| Fixed assets21/28 | €703,607 | €690,502 | €731,068 | €1.4m | €1.3m | ▼ 7.6% |
| Tangible fixed assets22/27 | €697,655 | €684,550 | €725,115 | €1.4m | €1.3m | ▼ 7.6% |
| Plant, machinery and equipment23 | - | €673,242 | €665,323 | €1.3m | €1.2m | ▼ 7.6% |
| Furniture and vehicles24 | - | €8,785 | €57,937 | €46,115 | €42,379 | ▼ 8.1% |
| Other tangible fixed assets26 | - | €2,523 | €1,855 | €1,187 | €518 | ▼ 56.3% |
| Financial fixed assets28 | €5,952 | €5,952 | €5,952 | €5,952 | €6,282 | ▲ 5.5% |
| Other financial fixed assets284/8 | - | - | €5,952 | €5,952 | - | - |
| Amounts receivable and cash guarantees285/8 | - | - | €5,952 | €5,952 | - | - |
| Current assets29/58 | €857,196 | €870,487 | €949,465 | €1.3m | €1.1m | ▼ 16.7% |
| Stocks and contracts in progress3 | €577,490 | €590,799 | €682,568 | €627,979 | €628,814 | ▲ 0.1% |
| Stocks30/36 | - | €590,799 | €682,568 | €627,979 | €628,814 | ▲ 0.1% |
| Raw materials and consumables30/31 | - | - | €10,529 | €4,977 | - | - |
| Goods purchased for resale34 | - | - | €672,039 | €623,002 | - | - |
| Amounts receivable within one year40/41 | €26,997 | €96,163 | €49,788 | €207,136 | €24,821 | ▼ 88.0% |
| Trade receivables40 | - | - | €3,682 | €8,790 | €3,448 | ▼ 60.8% |
| Other amounts receivable41 | - | €96,163 | €46,106 | €198,346 | €21,373 | ▼ 89.2% |
| Cash at bank and in hand54/58 | €247,141 | €173,082 | €206,968 | €453,156 | €414,750 | ▼ 8.5% |
| Deferred charges and accrued income490/1 | - | €10,443 | €10,141 | €12,011 | €14,267 | ▲ 18.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.6m | €1.6m | €1.7m | €2.7m | €2.4m | ▼ 12.0% |
| Equity10/15 | €549,214 | €650,376 | €727,277 | €548,572 | €733,935 | ▲ 33.8% |
| Contributions10/11 | - | €200,000 | €200,000 | €200,000 | €200,000 | = |
| Reserves13 | €349,200 | €449,200 | €526,200 | €348,000 | €533,000 | ▲ 53.2% |
| Distributable reserves133 | - | €449,200 | €526,200 | €348,000 | €533,000 | ▲ 53.2% |
| Profit (loss) carried forward14 | €14 | €1,176 | €1,077 | €572 | €935 | ▲ 63.5% |
| Amounts payable17/49 | €1.0m | €910,614 | €953,257 | €2.1m | €1.6m | ▼ 23.7% |
| Amounts payable after more than one year17 | €270,000 | €100,000 | - | €520,000 | €460,000 | ▼ 11.5% |
| Financial debts170/4 | - | €100,000 | - | €520,000 | €460,000 | ▼ 11.5% |
| Credit institutions173 | - | - | - | €520,000 | - | - |
| Amounts payable within one year42/48 | €741,588 | €810,614 | €953,257 | €1.6m | €1.2m | ▼ 27.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €60,000 | €60,000 | = |
| Trade debts44 | €592,460 | €729,647 | €872,732 | €1.1m | €897,785 | ▼ 20.2% |
| Suppliers440/4 | - | €729,647 | €872,732 | €1.1m | €897,785 | ▼ 20.2% |
| Taxes, remuneration and social security45 | - | €76,467 | €68,776 | €86,846 | €115,792 | ▲ 33.3% |
| Taxes450/3 | - | €2,626 | €6,430 | €6,316 | €32,635 | ▲ 417% |
| Remuneration and social security454/9 | - | €73,840 | €62,346 | €80,531 | €83,157 | ▲ 3.3% |
| Other amounts payable47/48 | - | €4,500 | €11,748 | €349,438 | €100,019 | ▼ 71.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €440,297 | €101,161 | €76,901 | €170,496 | €285,363 | ▲ 67.4% |
| + Depreciation and write-downs630 | €171,761 | €133,327 | €139,750 | €177,749 | €241,172 | ▲ 35.7% |
| Operating cash flow (approximation) | €612,058 | €234,488 | €216,651 | €348,245 | €526,535 | ▲ 51.2% |
| Investment in fixed assets (approximation) | - | -€120,222 | -€180,316 | -€836,838 | -€135,895 | ▲ 83.8% |
| Change in cash | - | -€74,059 | €33,886 | €246,188 | -€38,406 | ▼ 116% |
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €440,297 ▲148%
Operating result €634,960, net result €440,297, both a record.
31-03
Financial
Equity above €500,000Eq €549,214 ▲404%
2 profitable years in a row build equity to €549,214.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Back to profitnet €177,473
Net result €177,473 after one loss-making year.
31-03
Financial
Equity above €100,000Eq €108,917
Equity rises from -€68,556 to €108,917.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
24-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Temse · 1 establishment unit since 2009
Ground area
8,187 m²
Building footprint
3,120 m²
Volume, LiDAR
40,176 m³
Parcel 46025B1190/00C025, Flanders · tallest building 31.9 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
TEMDIS
since 20092.180.997.686
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B1190/00C025 | Flanders | 8,187 m² | 1 · 3,120 m² | 31.9 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.
Structure & network
Owners and holdings
3 ownersChain of control
- Joboco
- TEMDIS
Highest known parent: Joboco. The sources do not say who stands above it.
Owners 3
- JobocoparentSourceaccounts Joboco 2025100%
- Johan Bosmansnatural personSourceown accounts 31-03-202385%
- Jonas Bosmansnatural personSourceown accounts 31-03-202315%
Holdings 0
The accounts to 31-03-2023 list no holdings, and no other source names one.
According to the annual accounts to 31-03-2023 of TEMDIS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 62,055 EUR awarded · 54,123 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 16,128 EUR |
| 2024 | 2 | 60,630 EUR | 36,570 EUR |
| 2023 | 1 | 1,185 EUR | 1,185 EUR |
| 2022 | 1 | 240 EUR | 240 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyTemse2.180.997.686
Dual-learning approval
1 endedWinkelbediende (so)
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,850. 2,642 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
Founded21-08-2009
Fiscal year end31-03
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47279Other retail sale of food
47540Retail sale of electrical household appliances
47553Retail trade
47789Other retail sale of new goods
68110Buying and selling of own real estate
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0818208262
Registered
15-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.