TEMMERMAN HOLDING
ActiveThe computed 12-month bankruptcy probability of TEMMERMAN HOLDING is 2.1% (moderate). The 2025 annual accounts show negative equity (€-9k) and a net result of €3k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 19% of 18173 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
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-8
Solvency17▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 0.87 in 2024; short-term debt: 107.7% and cash: 30.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
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 2025Solvency, return and age of the figures
Solvency
-8.2%
Return on assets
2.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 18173 sector peers (2025).
NBB · sector comparisonPosition among 18173 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
20 d late
2024
31 d early
2023
30 d early
2022
20 d early
2021
6 d early
← 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
€-9k▲ 26.2%
2024 · €-13k
2021: €-19k
2022: €-25k
2023: €-22k
2024: €-13k
2021 → 2025
Total assets
€114k▲ 13.9%
2024 · €100k
2021: €72k
2022: €69k
2023: €79k
2024: €100k
2021 → 2025
Net result
€3k▼ 62.8%
2024 · €9k
2021: €-20k
2022: €-6k
2023: €3k
2024: €9k
2021 → 2025
Working capital
€-10k▲ 32.7%
2024 · €-15k
2021: €-16k
2022: €-29k
2023: €-24k
2024: €-15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-19k-€-25k▼ 33.1%€-22k▲ 13.3%€-13k▲ 41.3%€-9k▲ 26.2%
Operating result€-20k-€-6k▲ 68.0%€3k€9k▲ 171%€4k▼ 59.7%
Net result€-20k-€-6k▲ 68.5%€3k€9k▲ 169%€3k▼ 62.8%
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 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€1k▼ 45.9%
Current assets
€112k▲ 15.5%
Key figures and ratios
EBITDA
€5k▼
2024 · €10k
Cash flow
€5k▼
2024 · €10k
Solvency
-8.2%▲
2024 · -12.7%
Current ratio
0.92▲
2024 · 0.87
Quick ratio
0.53▼
2024 · 0.54
Debt / equity
-13.15▼
2024 · -8.87
ROA
2.9%▼
2024 · 8.9%
Interest coverage
51.82▼
2024 · 172.97
Debt
€123k▲
2024 · €113k
Debt ≤ 1 year
€123k▲
2024 · €112k
Income taxes
€166
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€100k€114k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€469€246▼
Financial fixed assets28€55€55=
Current assets29/58€97k€112k▲
Stocks and contracts in progress3€37k€47k▲
Stocks30/36€37k€47k▲
Amounts receivable within one year40/41€38k€31k▼
Trade receivables40€38k€31k▼
Cash at bank and in hand54/58€22k€34k▲
Deferred charges and accrued income490/1€552-
Equity and liabilities
Total equity and liabilities10/49€100k€114k▲
Equity10/15€-13k€-9k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€-14k€-10k▲
Amounts payable17/49€113k€123k▲
Amounts payable within one year42/48€112k€123k▲
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Taxes, remuneration and social security45€40€13k▲
Taxes450/3€40€983▲
Remuneration and social security454/9-€12k
Other amounts payable47/48€98k€94k▼
Accrued charges and deferred income492/3€193€600▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€7k
Other operating charges640/8€528€544▲
Gross operating margin9900€11k€12k▲
Operating profit (loss)9901€9k€4k▼
Financial income75/76B€118-
Recurring financial income75€118-
Financial charges65/66B€59€92▲
Recurring financial charges65€59€92▲
Profit (loss) for the period before taxes9903€9k€3k▼
Income taxes67/77-€166
Profit (loss) for the period9904€9k€3k▼
Profit (loss) for the period to be appropriated9905€9k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-10k▲
Profit (loss) brought forward from the previous period14P€-23k€-14k▲
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
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €9k ▲169%
Operating result €9k, net result €9k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Aalst · 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.
Molenstraat 459300 AalstGround area
604 m²
Building footprint
347 m²
Volume, LiDAR
3,180 m³
Parcel 41002A0821/00M000, Flanders · tallest building 18.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Molenstraat 45, 9300 Aalst
since 20212.315.785.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A0821/00M000 | Flanders | 604 m² | 1 · 347 m² | 18.6 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 9,000 EUR awarded · 9,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 9,000 EUR | 9,000 EUR |
Schemes
Subsidies voor internationaal ondernemen
Recognitions · licences · registrations
Food safety, FASFC
1 siteAalst2.315.785.720
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Lokeren
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 2,477 companies in sector 47279 we hold annual accounts for 949.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2021
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.