TEMI BENELUX
ActiveSummary
The computed 12-month bankruptcy probability of TEMI BENELUX is 2.0% (moderate). The 2025 annual accounts show equity of €30k and a net result of €13k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 87% of 960 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 6.8 against 10.04 in 2024; short-term debt: 14.4% and cash: 83.9% of total assets), and 14.4% 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 52
Relative position
BE, all sectors
reference
Sector 52
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
85.6%
Return on assets
39%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-11-2025, 86 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
86 d early
2024
7 d early
2023
124 d early
2022
54 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 42.1%
2024 · €21k
2022: €12k
2023: €15k
2024: €21k
2022 → 2025
Total assets
€34k▲ 50.7%
2024 · €23k
2022: €15k
2023: €16k
2024: €23k
2022 → 2025
Net result
€13k▲ 131%
2024 · €6k
2022: €9k
2023: €3k
2024: €6k
2022 → 2025
Working capital
€29k▲ 50.7%
2024 · €19k
2022: €12k
2023: €14k
2024: €19k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€15k▲ 25.0%€21k▲ 39.0%€30k▲ 42.1%
Operating result€12k-€4k▼ 65.0%€8k▲ 86.5%€18k▲ 129%
Net result€9k-€3k▼ 66.6%€6k▲ 95.0%€13k▲ 131%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 129% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€716 ▼ 56.9%
Current assets
€34k ▲ 59.1%
Equity and liabilities €34k
Equity
€30k ▲ 42.1%
Debt
€5k ▲ 135%
Debt's share of the balance-sheet total rises from 9.2% to 14.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €8k
Cash flow
€14k▲
2024 · €7k
Current ratio
6.80▼
2024 · 10.04
Debt to equity
0.17▲
2024 · 0.10
ROE
45.6%▲
2024 · 28.1%
ROA
39.0%▲
2024 · 25.5%
Interest coverage
236.48▲
2024 · 121.20
Debt ≤ 1 year
€5k▲
2024 · €2k
Income taxes
€4k▲
2024 · €2k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€23k€34k▲
Fixed assets21/28€2k€716▼
Tangible fixed assets22/27€2k€716▼
Plant, machinery and equipment23€839€444▼
Furniture and vehicles24€823€272▼
Current assets29/58€21k€34k▲
Amounts receivable within one year40/41€6k€4k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€2k€776▼
Cash at bank and in hand54/58€15k€29k▲
Deferred charges and accrued income490/1-€655
Equity and liabilities
Total equity and liabilities10/49€23k€34k▲
Equity10/15€21k€30k▲
Contributions10/11€3k€3k=
Reserves13€18k€27k▲
Distributable reserves133€18k€27k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€2k€5k▲
Amounts payable within one year42/48€2k€5k▲
Trade debts44€28€342▲
Suppliers440/4€28€342▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€236€536▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€674€946▲
Other operating charges640/8-€387
Gross operating margin9900€8k€19k▲
Operating profit (loss)9901€8k€18k▲
Financial charges65/66B€69€79▲
Recurring financial charges65€69€79▲
Profit (loss) for the period before taxes9903€8k€18k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€6k€13k▲
Profit (loss) for the period to be appropriated9905€6k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€13k▼
Profit (loss) brought forward from the previous period14P€12k€0▼
Transfer from equity791/2-€5k
Transfer to equity691/2€18k€13k▼
To other reserves6921€18k€13k▼
Profit to be distributed694/7-€5k
Return on contributions (dividend)694-€5k
The notes to these accounts (12 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
2025
06-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2022net €13k ▲131%
Operating result €18k, net result €13k, both a record.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €3k ▼66.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 12.87
Current ratio from 5.21 to 12.87; short-term debt falls from €3k to €1k.
2022
08-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Merchtem · 1 establishment unit since 2021
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.
Muntweide 81785 MerchtemGround area
730 m²
Building footprint
116 m²
Volume, LiDAR
567 m³
Parcel 23012G0283/00W000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TEMI BENELUX
since 20212.313.774.355
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012G0283/00W000 | Flanders | 730 m² | 1 · 116 m² | 7.5 m · 2 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
2024 · 1 entry · 504 EUR awarded · 504 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 504 EUR | 504 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,190 companies in sector 52250 we hold annual accounts for 1,955. 995 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
Founded11-02-2021
Fiscal year end30-06
Activities, NACEBEL 2025
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.