TEMMERMAN
ActiveThe computed 12-month bankruptcy probability of TEMMERMAN is 1.8% (moderate). The 2024 annual accounts show equity of €45k and a net result of €43k. Its solvency ranks better than 39% of 15868 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability99
Solvency50
Growth-
Track record67
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.21; short-term debt: 75% and cash: 41.2% of total assets), and 75% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25%
Return on assets
23.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2024
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€45k
Total assets
€179k
Net result
€43k
Working capital
€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €179k
Fixed assets
€16k
Current assets
€163k
Equity and liabilities €179k
Equity
€45k
Debt
€134k
Debt finances 75.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€54k
Cash flow
€43k
Solvency
25.0%
Current ratio
1.21
Quick ratio
1.21
Debt / equity
3.01
ROE
95.5%
ROA
23.8%
Interest coverage
739.25
Debt
€134k
Debt ≤ 1 year
€134k
Income taxes
€11k
Staff costs
€103k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€179k
Fixed assets21/28€16k
Tangible fixed assets22/27€16k
Plant, machinery and equipment23€522
Furniture and vehicles24€16k
Current assets29/58€163k
Amounts receivable within one year40/41€89k
Trade receivables40€78k
Other amounts receivable41€11k
Cash at bank and in hand54/58€74k
Equity and liabilities
Total equity and liabilities10/49€179k
Equity10/15€45k
Contributions10/11€2k
Profit (loss) carried forward14€43k
Amounts payable17/49€134k
Amounts payable within one year42/48€134k
Trade debts44€66k
Suppliers440/4€66k
Taxes, remuneration and social security45€38k
Taxes450/3€34k
Remuneration and social security454/9€4k
Other amounts payable47/48€30k
Income statement
Code2024
Remuneration, social security and pensions62€103k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€520
Other operating charges640/8€1k
Gross operating margin9900€159k
Operating profit (loss)9901€54k
Financial income75/76B€413
Recurring financial income75€413
Non-recurring financial income76B€413
Financial charges65/66B€74
Recurring financial charges65€74
Profit (loss) for the period before taxes9903€54k
Income taxes67/77€11k
Profit (loss) for the period9904€43k
Profit (loss) for the period to be appropriated9905€43k
Appropriation of the result
Profit (loss) to be appropriated9906€43k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
NBB filing
Directors · office · real estate
Directors
2 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, Haaltert · 1 establishment unit since 2023
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.
Vlamstraat(De) 1A9450 HaaltertGround area
1,440 m²
Building footprint
620 m²
Volume, LiDAR
4,048 m³
Parcel 41010B0737/00X002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TEMMERMAN
since 20232.353.019.862
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41010B0737/00X002 | Flanders | 1,440 m² | 1 · 620 m² | 7.7 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.
Similar companies · same sector, comparable size
H.Ö. DECOR
BE 0862.568.738
Elsene · Eq €45k
SLAGERIJ TRAITEUR DB
BE 0436.210.384
Lochristi · Eq €46k
VILACO IJDS
BE 0537.902.216
Brasschaat · Eq €46k
ASSIMA
BE 0680.736.003
Etterbeek · Eq €43k
Les Saveurs d'Ardenne
BE 0728.887.296
Houyet · Eq €47k
Of 756 companies in sector 46321 we hold annual accounts for 551. 244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2023
Fiscal year end31-12
Activities, NACEBEL
46321Wholesale of meat and meat products, excluding game and poultry
46170Agents in the wholesale of food, beverages and tobacco
47221Retail sale of meat and meat products, excluding game and poultry
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.