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TEMMERMAN HOME

Active
Public limited companyfounded 1978active for 48 yearsKaarderslaan 11, 9160 Lokeren, BelgiumKBO/BCE: BE 0418.109.590

From the official registers: KBO 48 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

TEMMERMAN HOME has been active since 1978 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €508,287 and a net result of -€5,557. Equity has been stable since 2018 (±0.6% per year). Its solvency ranks better than 53% of 2,445 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Official details

KBO
Status
Active since 28-03-1978 Normal situation
Registered office
10 active companies are registered at this address Source: KBO register, as of 1 November 2026.
Activity
Laying of wooden floor and wall coverings NACE 43332and 6 others
Establishment unit
2.014.827.877 9160 Lokeren, since 25-04-1978
Financial year end
31 December
Peppol
Reachable

Board and ownership

Board
  • NV FaktaManaging director
  • Chris TemmermanManaging director
  • Sarah DewaeleManaging director
  • De heer Temmerman ChristianDirector · since 20-12-2016

Financial position

69 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Annual accounts 2025
Gross margin
€835,771
▼ 3.8%
Turnover
≈ €2.5m
estimated
Loss
€5,557
Equity
€508,287
▼ 1.1%
Total assets
€1.1m
▼ 1.3%
Staff
12 FTE
=
Filed on 30-07-2026, 1 day before the deadlineat the National Bank
Score breakdownraises riskLiquidity: current ratio 1.94, cash €35,921Sector: Specialised construction activities (NACE 43)Size: 12 FTE, total assets €1.1mLoss of €5,557 (financial year 2025)Show the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 35% of small companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Average
Solvency 69=
equity 44.3% of total assets
Liquidity 33-2
short-term debt 42.9% · cash 3.1%
Profitability 51-10
return on assets -0.5%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (2,649 companies, NACE 43, small)
Last 24 months 12-2024: 0.5% 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.6%▲ +0.1 percentage points vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.5%▼ -0.2 percentage points vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026lowest value 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.1 percentage points vs 07-2026 09-2026: 0.6%● unchanged vs 08-2026 10-2026: 0.6%● unchanged vs 09-2026 11-2026: 0.6%● unchanged vs 10-2026
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.94 (1.96 in 2024), above the usual 1.5. Short-term debt is 42.9% and cash 3.1% of total assets. However, 55.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, small). It does better than 60% of them on solvency, 29% on liquidity, 24% on profitability and 26% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
raises riskneutral
raises risk · Liquidity: current ratio 1.94, cash €35,921
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Size: 12 FTE, total assets €1.1m
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €5,557 (financial year 2025)
NBB · annual accounts
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 day early
2024
1 day early
2023
2 days early
2022
3 days early
2021
4 days early
2020
3 days early
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 2 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 81% of companies in specialised constructionsector median €42,866 · 2,446 companies -€5,557 View
  • Board changedlatest change 07-06-2026 · 4 in office 3 joined · 1 left View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Comparable companies

These companies have the same main activity as TEMMERMAN HOME: laying of wooden floor and wall coverings (NACE 43332). They are comparable in size and age: total assets between €787,000 and €3m, founded between 1968 and 1987.

CompanyTotal assetsGross margin
TEMMERMAN HOME Lokeren€1.1m€0.8m
RODAN INTERIEUR Stekene€0.8m€1.2m
Materialen en Industriële Plaveisels - Matériaux et Pavements Industriels Jette€1.2m€0.4m
VALBUSKO Haaltert€2.1m€1.1m
JERIDECOR Houthalen-Helchteren€1.4m€0.4m
DACOL Fleurus€1.0m€0.4m
PARQUETERIE DU HAINAUT Boussu€3.0m€0.9m
Full comparison

Documents

Annual accounts at the NBB

All 48 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about TEMMERMAN HOME

What is the company number of TEMMERMAN HOME?
The company number of TEMMERMAN HOME is 0418.109.590. The VAT number is the same number with BE in front: BE 0418.109.590.
Where is TEMMERMAN HOME based?
The registered office is at Kaarderslaan 11, 9160 Lokeren.Company details
What does TEMMERMAN HOME do?
According to the KBO register, the main activity is laying of wooden floor and wall coverings (NACE 43332).
What is the legal form of TEMMERMAN HOME?
The legal form of TEMMERMAN HOME is Public limited company (NV).
When was TEMMERMAN HOME founded?
TEMMERMAN HOME was founded on 28-03-1978.
Is TEMMERMAN HOME still active?
Yes, TEMMERMAN HOME is an active enterprise in the KBO register.
How many employees does TEMMERMAN HOME have?
TEMMERMAN HOME had an average of 12 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of TEMMERMAN HOME?
The turnover in financial year 2025 is ≈ €2.5m. This figure is estimated from the gross margin of €835,771 and 40 comparable companies (NACE 433). It probably lies between €1.8m and €3.0m.
Is TEMMERMAN HOME profitable?
In financial year 2025, TEMMERMAN HOME made a loss of €5,557.
Where can I find the annual accounts of TEMMERMAN HOME?
TEMMERMAN HOME filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of TEMMERMAN HOME due?
TEMMERMAN HOME must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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