Summary
TEMOSO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.3m and a net result of €227,663. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 64% of 5565 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 filingsDeviation from the deadline
2025
1 d early
2024
33 d late
2023
1 d early
2022
18 d early
2021
60 d late
2020
17 d early
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 oldest company in Hoogstraten, Finance and insurance sector
Equity
€4.3m▲ 5.5%
2024 · €4.1m
Net result
€227,663▼ 17.1%
2024 · €274,500
Total assets
€6.5m▼ 43.8%
2024 · €11.5m
Solvency
66.3%▲ 31.0pp
2024 · 35.3%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2.4m▲ 4,775%-€18,110€430,970€345,184▼ 19.9%€450,169▲ 30.4%
Net result€1.9m▲ 4,617%€24,472▼ 98.7%€307,551▲ 1,157%€274,500▼ 10.7%€227,663▼ 17.1%
Equity€2.4m▲ 287%€2.4m▲ 1.0%€3.8m▲ 56.4%€4.1m▲ 6.0%€4.3m▲ 5.5%
Total assets€3.5m▲ 134%€3.2m▼ 10.0%€6.9m▲ 116%€11.5m▲ 67.6%€6.5m▼ 43.8%
Debt€637,165▼ 27.2%€261,660▼ 58.9%€2.6m▲ 886%€7.0m▲ 171%€1.8m▼ 74.4%
Working capital€3.0m▲ 618%€2.9m▼ 1.8%€847,943▼ 71.2%€429,464▼ 49.4%€960,395▲ 124%
Solvency68.7%▲ 27.1pp77.0%▲ 8.4pp55.8%▼ 21.2pp35.3%▼ 20.5pp66.3%▲ 31.0pp
Staff (FTE)00
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Total assets +68% on 2023. Cause not known from the registers.
- 2023 Net result +1,157% on 2022. The accounts now follow the abbreviated schema, last year the micro schema.
- 2023 Equity +56%, Total assets +116% on 2022. Cause not known from the registers.
- 2022 Net result -99% on 2021. Cause not known from the registers.
- 2021 Net result +4,617%, Equity +287%, Total assets +134% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.5m
Fixed assets
€5.3m ▼ 5.6%
Current assets
€1.2m ▼ 79.9%
Equity and liabilities €6.5m
Equity
€4.3m ▲ 5.5%
Provisions
€379,263 ▼ 10.7%
Debt
€1.8m ▼ 74.4%
Debt's share of the balance-sheet total falls from 61.0% to 27.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
5.3%▼
2024 · 6.8%
ROA
3.5%▲
2024 · 2.4%
Debt ≤ 1 year
€227,418▼
2024 · €5.5m
Debt > 1 year
€1.5m▲
2024 · €1.4m
Income taxes
€118,361▲
2024 · €22,629
Staff costs
€42▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €2.4m | - | €4,945 | €0 | - | - |
| Remuneration, social security and pensions62 | - | - | - | €0 | €42 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,198 | €25,662 | €249,761 | €263,559 | €301,912 | ▲ 14.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €82,974 | - | -€82,974 | €0 | - | - |
| Other operating charges640/8 | €15,462 | €2,807 | €8,483 | €22,268 | €4,735 | ▼ 78.7% |
| Gross operating margin9900 | €2.6m | €10,359 | €606,240 | €631,011 | €756,857 | ▲ 19.9% |
| Operating profit (loss)9901 | €2.4m | -€18,110 | €430,970 | €345,184 | €450,169 | ▲ 30.4% |
| Financial income75/76B | €51,569 | €67,444 | €97,737 | €22,521 | €121 | ▼ 99.5% |
| Recurring financial income75 | €51,569 | €67,444 | €97,737 | €22,521 | €121 | ▼ 99.5% |
| Financial charges65/66B | €24,072 | €17,743 | €146,319 | €92,099 | €139,269 | ▲ 51.2% |
| Recurring financial charges65 | €24,072 | €17,743 | €146,319 | €92,099 | €139,269 | ▲ 51.2% |
| Profit (loss) for the period before taxes9903 | €2.5m | €31,590 | €382,388 | €275,606 | €311,021 | ▲ 12.8% |
| Transfer from deferred taxes780 | €5,076 | - | €21,523 | €21,523 | €35,003 | ▲ 62.6% |
| Transfer to deferred taxes680 | €467,656 | - | - | - | - | - |
| Income taxes67/77 | €117,818 | €7,118 | €96,360 | €22,629 | €118,361 | ▲ 423% |
| Profit (loss) for the period9904 | €1.9m | €24,472 | €307,551 | €274,500 | €227,663 | ▼ 17.1% |
| Transfer from tax-exempt reserves789 | - | - | €64,570 | €64,570 | €105,010 | ▲ 62.6% |
| Transfer to tax-exempt reserves689 | €1.4m | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €490,331 | €24,472 | €372,122 | €339,070 | €332,673 | ▼ 1.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.5m | €3.2m | €6.9m | €11.5m | €6.5m | ▼ 43.8% |
| Fixed assets21/28 | €170,158 | €146,574 | €5.0m | €5.6m | €5.3m | ▼ 5.6% |
| Tangible fixed assets22/27 | €169,737 | €146,152 | €4.0m | €4.5m | €5.2m | ▲ 15.4% |
| Land and buildings22 | €125,000 | €125,000 | €3.5m | €3.9m | €4.5m | ▲ 17.7% |
| Plant, machinery and equipment23 | €3,611 | €278 | €174,498 | €291,843 | €292,894 | ▲ 0.4% |
| Furniture and vehicles24 | €37,729 | €20,874 | €190,650 | €272,077 | €317,777 | ▲ 16.8% |
| Leasing and similar rights25 | €3,396 | - | €94,183 | €53,692 | €13,201 | ▼ 75.4% |
| Financial fixed assets28 | €422 | €422 | €1.0m | €1.1m | €105,792 | ▼ 90.4% |
| Current assets29/58 | €3.4m | €3.0m | €1.8m | €5.9m | €1.2m | ▼ 79.9% |
| Amounts receivable after more than one year29 | - | - | €130,000 | €130,000 | €0 | ▼ 100% |
| Other amounts receivable291 | - | - | €130,000 | €130,000 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €756,260 | €2.7m | €1.6m | €5.7m | €1.0m | ▼ 81.8% |
| Trade receivables40 | €26,201 | €80,147 | €1.2m | €195,333 | €350,005 | ▲ 79.2% |
| Other amounts receivable41 | €730,060 | €2.7m | €377,764 | €5.5m | €692,745 | ▼ 87.5% |
| Cash at bank and in hand54/58 | €2.6m | €280,345 | €108,214 | €48,087 | €139,337 | ▲ 190% |
| Deferred charges and accrued income490/1 | - | €5,932 | €34,226 | €5,480 | €5,727 | ▲ 4.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.5m | €3.2m | €6.9m | €11.5m | €6.5m | ▼ 43.8% |
| Equity10/15 | €2.4m | €2.4m | €3.8m | €4.1m | €4.3m | ▲ 5.5% |
| Contributions10/11 | €62,000 | €62,000 | €88,250 | €88,250 | €88,250 | = |
| Reserves13 | €2.4m | €2.4m | €3.7m | €4.0m | €4.2m | ▲ 5.6% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | - | - | - | - |
| Reserves not available under the articles1311 | €6,200 | €6,200 | - | - | - | - |
| Tax-exempt reserves132 | €1.4m | €1.4m | €1.3m | €1.3m | €1.1m | ▼ 10.7% |
| Distributable reserves133 | €951,055 | €975,527 | €2.4m | €2.7m | €3.1m | ▲ 13.4% |
| Profit (loss) carried forward14 | - | - | - | €0 | - | - |
| Provisions and deferred taxes16 | €467,656 | €467,656 | €446,132 | €424,609 | €379,263 | ▼ 10.7% |
| Deferred taxes168 | €467,656 | €467,656 | €446,132 | €424,609 | €379,263 | ▼ 10.7% |
| Amounts payable17/49 | €637,165 | €261,660 | €2.6m | €7.0m | €1.8m | ▼ 74.4% |
| Amounts payable after more than one year17 | €275,892 | €172,226 | €1.5m | €1.4m | €1.5m | ▲ 3.7% |
| Financial debts170/4 | €275,892 | €172,226 | €1.5m | €1.4m | €1.5m | ▲ 3.7% |
| Amounts payable within one year42/48 | €359,353 | €87,097 | €982,057 | €5.5m | €227,418 | ▼ 95.8% |
| Current portion of amounts payable after more than one year42 | €6,325 | €3,666 | €187,464 | €539,568 | €27,714 | ▼ 94.9% |
| Financial debts43 | €228,541 | - | €300,000 | - | - | - |
| Credit institutions430/8 | €228,541 | - | €300,000 | - | - | - |
| Trade debts44 | €4,168 | €13,726 | €182,851 | €156,272 | €19,660 | ▼ 87.4% |
| Suppliers440/4 | €4,168 | €13,726 | €182,851 | €156,272 | €19,660 | ▼ 87.4% |
| Taxes, remuneration and social security45 | €9,297 | €6,417 | €36,298 | €30,460 | €33,696 | ▲ 10.6% |
| Taxes450/3 | €9,297 | €6,417 | €35,444 | €30,460 | €32,299 | ▲ 6.0% |
| Remuneration and social security454/9 | - | - | €854 | €0 | €1,397 | - |
| Other amounts payable47/48 | €111,023 | €63,288 | €275,443 | €4.8m | €146,348 | ▼ 96.9% |
| Accrued charges and deferred income492/3 | €1,919 | €2,336 | €81,964 | €81,327 | €71,180 | ▼ 12.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.9m | €24,472 | €307,551 | €274,500 | €227,663 | ▼ 17.1% |
| + Depreciation and write-downs630 | €43,198 | €25,662 | €249,761 | €263,559 | €301,912 | ▲ 14.6% |
| Operating cash flow (approximation) | €1.9m | €50,134 | €557,312 | €538,059 | €529,575 | ▼ 1.6% |
| Investment in fixed assets (approximation) | - | -€2,078 | -€5.1m | -€814,023 | €7,499 | ▲ 101% |
| Change in cash | - | -€2.3m | -€172,131 | -€60,128 | €91,250 | ▲ 252% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 5current ratio 5.22
Current ratio from 1.08 to 5.22; short-term debt falls from €5.5m to €227,418.
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 33 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 34.78
Current ratio from 9.34 to 34.78; short-term debt falls from €359,353 to €87,097.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Highest result since 2018net €1.9m ▲4,617%
Operating result €2.4m, net result €1.9m, both a record.
31-12
Financial
Liquidity doublescurrent ratio 9.34
Current ratio from 4.33 to 9.34.
31-12
Financial
Equity above €2mEq €2.4m ▲287%
2 profitable years in a row build equity to €2.4m.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €40,135
Net result €40,135 after 2 loss-making years.
Show earlier events
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Hoogstraten · 2 establishment units since 1993
Ground area
6,699 m²
Building footprint
1,309 m²
Volume, LiDAR
8,690 m³
2 parcels, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Temoso
since 19932.060.329.884
Temoso
since 20232.348.483.826
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13020A0505/00B000 | Flanders | 6,096 m² | 1 · 1,094 m² | 9.9 m · 3 fl. |
| 13024C0148/00X000 | Flanders | 603 m² | 1 · 215 m² | 6.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
4 holdingsOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 4
-
100%
-
100%
-
50%
- Sedumdach.de UGDESourceown accounts 202450%
According to the 2024 annual accounts of TEMOSO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 8,617 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-12-1992
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
77310Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449034279
Also
9925:BE0449034279
Registered
05-06-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.