TEMMERMAN LIEVEN
ActiveSummary
TEMMERMAN LIEVEN has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €-4k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 10% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-31
Solvency28▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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
3.3%
Return on assets
-1.4%
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 10% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
27 d late
2023
28 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 30.0%
2024 · €12k
2018: €5k
2019: €3k
2020: €3k
2021: €9k
2022: €4k
2023: €5k
2024: €12k
2018 → 2025
Total assets
€247k▼ 4.0%
2024 · €257k
2018: €89k
2019: €229k
2020: €228k
2021: €248k
2022: €252k
2023: €251k
2024: €257k
2018 → 2025
Net result
€-4k
2024 · €7k
2018: €3k
2019: €-2k
2020: €-242
2021: €8k
2022: €-5k
2023: €-4k
2024: €7k
2018 → 2025
Working capital
€-116k▼ 15.3%
2024 · €-101k
2018: €-139
2019: €-29k
2020: €-43k
2021: €-50k
2022: €-70k
2023: €-89k
2024: €-101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€4k▼ 54.4%€5k▲ 21.6%€12k▲ 148%€8k▼ 30.0%
Operating result€17k-€-696€849€10k▲ 1,042%€-404
Net result€8k-€-5k€-4k▲ 6.7%€7k€-4k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €404 after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€171k ▼ 1.7%
Current assets
€75k ▼ 8.8%
Equity and liabilities €247k
Equity
€8k ▼ 30.0%
Debt
€239k ▼ 2.7%
Debt's share of the balance-sheet total rises from 95.4% to 96.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €11k
Cash flow
€-559▼
2024 · €9k
Current ratio
0.39▼
2024 · 0.45
Quick ratio
0.37▼
2024 · 0.43
Debt to equity
28.95▲
2024 · 20.83
ROE
-42.9%▼
2024 · 59.6%
ROA
-1.4%▼
2024 · 2.7%
Interest coverage
1.12▼
2024 · 4.16
Debt ≤ 1 year
€191k▲
2024 · €183k
Debt > 1 year
€44k▼
2024 · €59k
Income taxes
€836▼
2024 · €1k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€257k€247k▼
Fixed assets21/28€174k€171k▼
Tangible fixed assets22/27€174k€171k▼
Land and buildings22€170k€169k▼
Plant, machinery and equipment23€980€685▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€83k€75k▼
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€740€666▼
Other amounts receivable41€740€666▼
Cash at bank and in hand54/58€77k€71k▼
Equity and liabilities
Total equity and liabilities10/49€257k€247k▼
Equity10/15€12k€8k▼
Contributions10/11€7k€7k=
Profit (loss) carried forward14€5k€2k▼
Amounts payable17/49€245k€239k▼
Amounts payable after more than one year17€59k€44k▼
Financial debts170/4€59k€44k▼
Amounts payable within one year42/48€183k€191k▲
Current portion of amounts payable after more than one year42€15k€15k=
Trade debts44€1k€561▼
Suppliers440/4€1k€561▼
Other amounts payable47/48€167k€176k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€15k€6k▼
Operating profit (loss)9901€10k€-404▼
Financial income75/76B€1k€2▼
Recurring financial income75€1k€2▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€8k€-3k▼
Income taxes67/77€1k€836▼
Profit (loss) for the period9904€7k€-4k▼
Profit (loss) for the period to be appropriated9905€7k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€2k▼
Profit (loss) brought forward from the previous period14P€-2k€5k▲
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-5k ▼156%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 84 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Maldegem · 1 establishment unit since 2000
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.
Vliegplein 219991 MaldegemGround area
1,560 m²
Building footprint
669 m²
Volume, LiDAR
3,694 m³
Parcel 43001H0495/00N000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vliegplein 21, 9991 Maldegem
since 20002.097.548.091
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001H0495/00N000 | Flanders | 1,560 m² | 1 · 669 m² | 8.4 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
T.M. IDEAL RENOV
BE 0845.566.420
Saint-Ghislain · Eq €8,246
B.K.S. CENTER
BE 0806.224.012
Charleroi · Eq €8,230
L’Atelier-AE
BE 0797.854.890
Wavre · Eq €8,265
Gebroeders Decaesstecker
BE 0407.603.205
Kortemark · Eq €8,205
SMILE
BE 0844.796.754
Tienen · Eq €8,201
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 4,188 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
Founded09-03-1999
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.