TEMEBO
ActiveSummary
The computed 12-month bankruptcy probability of TEMEBO is 1.8% (moderate). The 2025 annual accounts show equity of €96k and a net result of €25k. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 6.65 against 7.75 in 2024; short-term debt: 13.9% and cash: 13.8% of total assets), and 14% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
86%
Return on assets
22%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
14 d early
2024
12 d early
2023
9 d early
2022
11 d early
2021
23 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▼ 0.4%
2024 · €97k
2021: €30k
2022: €50k
2023: €71k
2024: €97k
2021 → 2025
Total assets
€112k▲ 2.0%
2024 · €110k
2021: €69k
2022: €62k
2023: €86k
2024: €110k
2021 → 2025
Net result
€25k▼ 2.1%
2024 · €25k
2021: €24k
2022: €21k
2023: €21k
2024: €25k
2021 → 2025
Working capital
€88k▲ 0.4%
2024 · €88k
2021: €3k
2022: €31k
2023: €57k
2024: €88k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€50k▲ 69.8%€71k▲ 42.4%€97k▲ 35.1%€96k▼ 0.4%
Operating result€30k-€26k▼ 11.4%€27k▲ 3.1%€31k▲ 16.5%€33k▲ 4.7%
Net result€24k-€21k▼ 12.5%€21k▲ 3.2%€25k▲ 18.0%€25k▼ 2.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€8k ▼ 8.4%
Current assets
€103k ▲ 2.9%
Equity and liabilities €112k
Equity
€96k ▼ 0.4%
Debt
€16k ▲ 19.9%
Debt's share of the balance-sheet total rises from 11.9% to 14.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €38k
Cash flow
€32k▼
2024 · €32k
Current ratio
6.65▼
2024 · 7.75
Debt to equity
0.16▲
2024 · 0.14
ROE
25.6%▼
2024 · 26.0%
ROA
22.0%▼
2024 · 22.9%
Interest coverage
395.92▼
2024 · 742.70
Debt ≤ 1 year
€16k▲
2024 · €13k
Income taxes
€9k▲
2024 · €7k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€110k€112k▲
Formation expenses20€0€0=
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€6k€6k▲
Current assets29/58€101k€103k▲
Amounts receivable within one year40/41€20k€9k▼
Trade receivables40€20k€9k▼
Current investments50/53€47k€76k▲
Cash at bank and in hand54/58€30k€15k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€110k€112k▲
Equity10/15€97k€96k▼
Contributions10/11€6k€6k=
Reserves13€91k€90k▼
Distributable reserves133€91k€90k▼
Amounts payable17/49€13k€16k▲
Amounts payable within one year42/48€13k€16k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€9k€10k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€183€776▲
Accrued charges and deferred income492/3€100€100=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€141€144▲
Gross operating margin9900€39k€40k▲
Operating profit (loss)9901€31k€33k▲
Financial income75/76B€322€557▲
Recurring financial income75€322€557▲
Financial charges65/66B€52€101▲
Recurring financial charges65€52€101▲
Profit (loss) for the period before taxes9903€32k€33k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€25k€25k▼
Profit (loss) for the period to be appropriated9905€25k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€25k▼
Transfer from equity791/2-€25k
Transfer to equity691/2€25k€25k▼
To other reserves6921€25k€25k▼
Profit to be distributed694/7-€25k
Return on contributions (dividend)694-€25k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €25k ▲18%
Net result €25k, the highest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €21k ▼12.5%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 3.67
Current ratio from 1.08 to 3.67; short-term debt falls from €39k to €12k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zulte · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kruishoutemstraat 149870 ZulteGround area
922 m²
Building footprint
122 m²
Volume, LiDAR
649 m³
Parcel 44037B0953/00N003, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TEMEBO
since 20202.302.474.449
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44037B0953/00N003 | Flanders | 922 m² | 1 · 122 m² | 10.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 166 EUR awarded · 166 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 166 EUR | 166 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,698 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
25401Forging of metal
33110Repair and maintenance of fabricated metal products
43990Other specialised construction activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:pjblanchaert@hotmail.com