Temostuc
ActiveThe computed 12-month bankruptcy probability of Temostuc is 1.9% (moderate). The 2025 annual accounts show equity of €137k and a net result of €15k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 27358 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+27
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 3.41 in 2024), and 16.6% 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+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
83.4%
Return on assets
9.3%
Age of the figures
8 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
11 d early
2024
30 d late
2023
on the day
2022
5 d early
2021
5 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€137k▲ 12.5%
2024 · €122k
2021: €39k
2022: €80k
2023: €115k
2024: €122k
2021 → 2025
Total assets
€164k▲ 2.0%
2024 · €161k
2021: €83k
2022: €137k
2023: €180k
2024: €161k
2021 → 2025
Net result
€15k▲ 117%
2024 · €7k
2021: €29k
2022: €40k
2023: €35k
2024: €7k
2021 → 2025
Working capital
€98k▲ 4.2%
2024 · €95k
2021: €15k
2022: €57k
2023: €89k
2024: €95k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€80k▲ 103%€115k▲ 43.6%€122k▲ 6.1%€137k▲ 12.5%
Operating result€34k-€56k▲ 63.1%€48k▼ 14.0%€9k▼ 81.2%€21k▲ 128%
Net result€29k-€40k▲ 37.6%€35k▼ 13.9%€7k▼ 79.8%€15k▲ 117%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 128% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164k
Fixed assets
€38k▲ 41.5%
Current assets
€126k▼ 6.0%
Equity and liabilities €164k
Equity
€137k▲ 12.5%
Debt
€27k▼ 30.6%
The debt ratio falls from 24.4% to 16.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€33k▲
2024 · €21k
Cash flow
€28k▲
2024 · €19k
Solvency
83.4%▲
2024 · 75.6%
Current ratio
4.62▲
2024 · 3.41
Quick ratio
4.54▲
2024 · 3.35
Debt / equity
0.20▼
2024 · 0.32
ROE
11.1%▲
2024 · 5.8%
ROA
9.3%▲
2024 · 4.4%
Interest coverage
19.98▼
2024 · 167.13
Debt
€27k▼
2024 · €39k
Debt ≤ 1 year
€27k▼
2024 · €39k
Income taxes
€4k▲
2024 · €2k
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€161k€164k▲
Fixed assets21/28€27k€38k▲
Tangible fixed assets22/27€27k€38k▲
Plant, machinery and equipment23€17k€26k▲
Furniture and vehicles24€5k€13k▲
Leasing and similar rights25€5k-
Current assets29/58€134k€126k▼
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€67k€30k▼
Trade receivables40€58k€14k▼
Other amounts receivable41€9k€16k▲
Cash at bank and in hand54/58€63k€92k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€161k€164k▲
Equity10/15€122k€137k▲
Contributions10/11€10k€10k=
Reserves13€112k€127k▲
Distributable reserves133€112k€127k▲
Amounts payable17/49€39k€27k▼
Amounts payable within one year42/48€39k€27k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€13k€510▼
Taxes450/3€13k€510▼
Other amounts payable47/48€21k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€678€983▲
Gross operating margin9900€22k€34k▲
Operating profit (loss)9901€9k€21k▲
Financial income75/76B-€12
Recurring financial income75-€12
Financial charges65/66B€128€2k▲
Recurring financial charges65€128€2k▲
Profit (loss) for the period before taxes9903€9k€19k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€7k€15k▲
Profit (loss) for the period to be appropriated9905€7k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€15k▲
Profit (loss) brought forward from the previous period14P€6k-
Transfer to equity691/2€13k€15k▲
To other reserves6921€13k€15k▲
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €7k ▼79.8%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €115k ▲43.6%
3 profitable years in a row build equity to €115k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €40k ▲37.6%
Operating result €56k, net result €40k, both a record.
26-07
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
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, Nazareth-De Pinte · 1 establishment unit since 2020
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.
Steenweg Deinze 1029810 Nazareth-De PinteGround area
3,170 m²
Building footprint
154 m²
Volume, LiDAR
761 m³
Parcel 44048H0539/02D003, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steenweg Deinze 102, 9810 Nazareth-De Pinte
since 20202.307.943.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048H0539/02D003 | Flanders | 3,170 m² | 1 · 154 m² | 7.1 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
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BE 0757.619.290
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DT PLAFONNAGE
BE 0795.364.960
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Gipsdecoraties Coremans
BE 0445.962.052
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INSIDE BUILDING
BE 0560.805.993
Veurne · Eq €137k
Of 3,987 companies in sector 43310 we hold annual accounts for 1,736. 1,452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2020
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.