TEMMERMAN A.
ActiveTEMMERMAN A. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €10k. Equity is shrinking by ~11.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 64% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency95▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.3 against 2.91 in 2024; short-term debt: 30.2% and cash: 73.8% of total assets), and 30.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
69.8%
Return on assets
29.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
28 d late
2022
28 d late
2021
23 d late
2020
30 d late
2019
87 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 3.3%
2024 · €23k
2018: €96k
2019: €98k
2020: €102k
2021: €106k
2022: €108k
2023: €22k
2024: €23k
2018 → 2025
Total assets
€34k▼ 2.8%
2024 · €35k
2018: €116k
2019: €131k
2020: €125k
2021: €124k
2022: €128k
2023: €36k
2024: €35k
2018 → 2025
Net result
€10k▲ 1.3%
2024 · €10k
2018: €7k
2019: €2k
2020: €5k
2021: €5k
2022: €6k
2023: €-83k
2024: €10k
2018 → 2025
Working capital
€24k▲ 3.3%
2024 · €23k
2018: €9k
2019: €-1k
2020: €4k
2021: €11k
2022: €17k
2023: €22k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€108k▲ 1.7%€22k▼ 79.3%€23k▲ 4.2%€24k▲ 3.3%
Operating result€9k-€8k▼ 3.7%€8k▼ 8.9%€15k▲ 100%€15k▼ 3.0%
Net result€5k-€6k▲ 27.9%€-83k€10k€10k▲ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€50=
Current assets
€34k▼ 2.8%
Equity and liabilities €34k
Equity
€24k▲ 3.3%
Debt
€10k▼ 14.4%
The debt ratio falls from 34.3% to 30.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
69.8%▲
2024 · 65.7%
Current ratio
3.30▲
2024 · 2.91
Quick ratio
3.30▲
2024 · 2.91
Debt / equity
0.43▼
2024 · 0.52
ROE
42.0%▼
2024 · 42.8%
ROA
29.3%▲
2024 · 28.1%
Debt
€10k▼
2024 · €12k
Debt ≤ 1 year
€10k▼
2024 · €12k
Income taxes
€4k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€35k€34k▼
Fixed assets21/28€50€50=
Financial fixed assets28€50€50=
Current assets29/58€35k€34k▼
Amounts receivable within one year40/41€13k€9k▼
Trade receivables40€13k€9k▼
Other amounts receivable41€776€79▼
Cash at bank and in hand54/58€22k€25k▲
Equity and liabilities
Total equity and liabilities10/49€35k€34k▼
Equity10/15€23k€24k▲
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€12k€10k▼
Amounts payable within one year42/48€12k€10k▼
Trade debts44€534€141▼
Suppliers440/4€534€141▼
Taxes, remuneration and social security45€75-
Taxes450/3€75-
Other amounts payable47/48€12k€10k▼
Income statement
Code20242025
Other operating charges640/8€704€725▲
Gross operating margin9900€16k€15k▼
Operating profit (loss)9901€15k€15k▼
Financial charges65/66B€90€80▼
Recurring financial charges65€90€80▼
Profit (loss) for the period before taxes9903€15k€15k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€10k€10k▲
Profit (loss) for the period to be appropriated9905€10k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€12k▲
Profit (loss) brought forward from the previous period14P€620€2k▲
Profit to be distributed694/7€9k€9k▲
Return on contributions (dividend)694€9k€9k▲
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €10k ▲1.3%
Net result €10k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-83k ▼1433%
Net result drops to €-83k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €100kEq €102k ▲4%
3 profitable years in a row build equity to €102k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
18-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 18 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Boechout · 1 establishment unit since 1996
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.
Heuvelstraat 672530 BoechoutGround area
196 m²
Building footprint
125 m²
Volume, LiDAR
823 m³
Parcel 11004D0459/00G002, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Temmerman A.
since 19962.074.644.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004D0459/00G002 | Flanders | 196 m² | 1 · 125 m² | 11.8 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
2022 to 2023 · 2 entries · 126 EUR awarded · 126 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 63 EUR | 63 EUR |
| 2022 | 1 | 63 EUR | 63 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
G - WAY
BE 0441.159.859
Nivelles · Eq €24k
MINE Finance
BE 0780.594.335
Wemmel · Eq €24k
MASTER-FISCO
BE 0671.691.841
Sint-Agatha-Berchem · Eq €24k
VLACOFI
BE 0655.720.493
Beersel · Eq €24k
SOTIL
BE 1014.972.861
Hasselt · Eq €24k
Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 4,752 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1995
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:atbvba@gmail.com
Phone:0468528070