TEMPCO
ActiveSummary
TEMPCO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176,864 and a net result of -€140,745. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 13% of 5046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▼-31
Solvency36▼-7
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.94 against 1.07 in 2024; short-term debt: 70.7% and cash: 11.9% of total assets), and 89.1% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 5046 sector peers (2025).
NBB · sector comparisonPosition among 5046 sector peers
Solvency
better than 13%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
22 d early
2023
47 d early
2022
14 d early
2021
32 d early
2020
24 d late
2019
7 d early
← 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 14 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 9 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€140,745
2024 · €6,779
Working capital
-€72,124
2024 · €77,005
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,175€40,121▲ 230%€49,424▲ 23.2%€43,839▼ 11.3%-€85,763
Net result€1,047below the sector's middle half€18,559within the sector's middle half▲ 1,673%€11,269within the sector's middle half▼ 39.3%€6,779within the sector's middle half▼ 39.8%-€140,745below the sector's middle half
Equity€285,192within the sector's middle half▼ 0.3%€301,790within the sector's middle half▲ 5.8%€311,098within the sector's middle half▲ 3.1%€317,544within the sector's middle half▲ 2.1%€176,864below the sector's middle half▼ 44.3%
Total assets€1.2mwithin the sector's middle half▼ 0.1%€1.6mwithin the sector's middle half▲ 33.1%€1.7mwithin the sector's middle half▲ 2.9%€1.7mwithin the sector's middle half▲ 5.2%€1.6mwithin the sector's middle half▼ 7.4%
Debt€880,288▲ 0.5%€1.3m▲ 44.3%€1.3m▲ 3.3%€1.4m▲ 6.4%€1.4m▲ 1.1%
Working capital€185,461within the sector's middle half▼ 8.1%€163,244within the sector's middle half▼ 12.0%€102,950within the sector's middle half▼ 36.9%€77,005below the sector's middle half▼ 25.2%-€72,124below the sector's middle half
Solvency23.5%within the sector's middle half=18.7%below the sector's middle half▼ 4.8pp18.7%below the sector's middle half=18.2%below the sector's middle half▼ 0.6pp10.9%below the sector's middle half▼ 7.3pp
Current ratio1.35within the sector's middle half▼ 0.051.18within the sector's middle half▼ 0.171.10below the sector's middle half▼ 0.071.07below the sector's middle half▼ 0.030.94below the sector's middle half▼ 0.14
Return on assets (ROA)0.1%below the sector's middle half▲ 1.2pp1.2%within the sector's middle half▲ 1.1pp0.7%within the sector's middle half▼ 0.5pp0.4%within the sector's middle half▼ 0.3pp-8.7%below the sector's middle half▼ 9.1pp
Staff (FTE)2.8below the sector's middle half=3.8within the sector's middle half▲ 35.7%3.8within the sector's middle half=5within the sector's middle half▲ 31.6%4.8within the sector's middle half▼ 4.0%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €85,763 after €43,839 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€545,897 ▼ 11.0%
Current assets
€1.1m ▼ 5.4%
Equity and liabilities €1.6m
Equity
€176,864 ▼ 44.3%
Provisions
€29,195 ▼ 11.1%
Debt
€1.4m ▲ 1.1%
Debt's share of the balance-sheet total rises from 79.9% to 87.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€57,380▼
2024 · €182,705
Cash flow
€2,398▼
2024 · €145,646
Quick ratio
0.59▼
2024 · 0.71
Debt to equity
7.98▲
2024 · 4.39
ROE
-79.6%▼
2024 · 2.1%
Interest coverage
0.97▼
2024 · 3.28
Debt ≤ 1 year
€1.1m▲
2024 · €1.1m
Debt > 1 year
€246,553▼
2024 · €315,279
Income taxes
-€3▲
2024 · -€4,245
Staff costs
€476,082▼
2024 · €498,475
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
5.0%
stopped otherwise
93%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,448 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,167 | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €181,965 | €325,296 | €356,619 | €498,475 | €476,082 | ▼ 4.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €72,380 | €86,973 | €112,439 | €138,866 | €143,143 | ▲ 3.1% |
| Other operating charges640/8 | €7,520 | €6,988 | €12,223 | €9,761 | €14,412 | ▲ 47.6% |
| Non-recurring operating charges66A | - | €124 | €0 | - | €25,651 | - |
| Gross operating margin9900 | €274,039 | €459,502 | €530,706 | €690,942 | €573,525 | ▼ 17.0% |
| Operating profit (loss)9901 | €12,175 | €40,121 | €49,424 | €43,839 | -€85,763 | ▼ 296% |
| Financial income75/76B | €5,139 | €6,333 | €10,120 | €10,193 | €813 | ▼ 92.0% |
| Recurring financial income75 | €5,139 | €6,333 | €10,120 | €10,193 | €813 | ▼ 92.0% |
| Financial charges65/66B | €20,919 | €32,386 | €40,601 | €55,618 | €59,449 | ▲ 6.9% |
| Recurring financial charges65 | €20,919 | €27,215 | €40,601 | €55,618 | €59,449 | ▲ 6.9% |
| Non-recurring financial charges66B | - | €5,172 | €0 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€3,605 | €14,068 | €18,944 | -€1,587 | -€144,399 | ▼ 9,000% |
| Transfer from deferred taxes780 | €4,855 | €4,855 | €4,325 | €4,121 | €3,650 | ▼ 11.4% |
| Income taxes67/77 | €203 | €364 | €12,000 | -€4,245 | -€3 | ▲ 99.9% |
| Profit (loss) for the period9904 | €1,047 | €18,559 | €11,269 | €6,779 | -€140,745 | ▼ 2,176% |
| Profit (loss) for the period to be appropriated9905 | €1,047 | €18,559 | €11,269 | €6,779 | -€140,745 | ▼ 2,176% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.6m | €1.7m | €1.7m | €1.6m | ▼ 7.4% |
| Fixed assets21/28 | €494,943 | €525,857 | €560,799 | €613,189 | €545,897 | ▼ 11.0% |
| Intangible fixed assets21 | €94,484 | €127,520 | €165,817 | €248,206 | €225,682 | ▼ 9.1% |
| Tangible fixed assets22/27 | €399,709 | €397,340 | €393,985 | €363,987 | €318,980 | ▼ 12.4% |
| Land and buildings22 | €373,714 | €368,981 | €365,300 | €341,527 | €296,309 | ▼ 13.2% |
| Plant, machinery and equipment23 | €5,633 | €5,317 | €3,850 | €2,473 | €1,185 | ▼ 52.1% |
| Furniture and vehicles24 | €20,363 | €23,042 | €24,835 | €19,987 | €21,485 | ▲ 7.5% |
| Financial fixed assets28 | €750 | €997 | €997 | €997 | €1,235 | ▲ 23.9% |
| Current assets29/58 | €716,682 | €1.1m | €1.1m | €1.1m | €1.1m | ▼ 5.4% |
| Amounts receivable after more than one year29 | €3,936 | €3,925 | €3,910 | €3,895 | €67 | ▼ 98.3% |
| Trade receivables290 | €3,936 | €3,925 | €3,910 | €3,895 | €67 | ▼ 98.3% |
| Stocks and contracts in progress3 | €274,425 | €338,800 | €373,900 | €379,079 | €398,695 | ▲ 5.2% |
| Stocks30/36 | €274,425 | €338,800 | €373,900 | €379,079 | €398,695 | ▲ 5.2% |
| Amounts receivable within one year40/41 | €396,920 | €618,603 | €510,580 | €581,230 | €463,932 | ▼ 20.2% |
| Trade receivables40 | €396,039 | €613,170 | €497,457 | €558,985 | €450,520 | ▼ 19.4% |
| Other amounts receivable41 | €881 | €5,433 | €13,123 | €22,245 | €13,413 | ▼ 39.7% |
| Cash at bank and in hand54/58 | €36,357 | €123,726 | €205,170 | €150,132 | €192,076 | ▲ 27.9% |
| Deferred charges and accrued income490/1 | €5,044 | €2,000 | €5,055 | €17,992 | €16,165 | ▼ 10.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.6m | €1.7m | €1.7m | €1.6m | ▼ 7.4% |
| Equity10/15 | €285,192 | €301,790 | €311,098 | €317,544 | €176,864 | ▼ 44.3% |
| Contributions10/11 | €246,693 | €246,693 | €246,693 | €246,693 | €246,693 | = |
| Capital10 | €246,693 | €246,693 | €246,693 | €246,693 | €246,693 | = |
| Issued capital100 | €259,088 | €259,088 | €259,088 | €259,088 | €259,088 | = |
| Uncalled capital101 | €12,395 | €12,395 | €12,395 | €12,395 | €12,395 | = |
| Reserves13 | €18,461 | €18,461 | €18,461 | €18,461 | €18,461 | = |
| Non-distributable reserves130/1 | €6,461 | €6,461 | €6,461 | €6,461 | €6,461 | = |
| Legal reserve130 | €6,461 | €6,461 | €6,461 | €6,461 | €6,461 | = |
| Distributable reserves133 | €12,000 | €12,000 | €12,000 | €12,000 | €12,000 | = |
| Profit (loss) carried forward14 | €2,818 | €21,377 | €32,646 | €39,425 | -€101,320 | ▼ 357% |
| Investment grants15 | €17,219 | €15,258 | €13,297 | €12,964 | €13,030 | ▲ 0.5% |
| Provisions and deferred taxes16 | €46,146 | €41,290 | €36,966 | €32,845 | €29,195 | ▼ 11.1% |
| Deferred taxes168 | €46,146 | €41,290 | €36,966 | €32,845 | €29,195 | ▼ 11.1% |
| Amounts payable17/49 | €880,288 | €1.3m | €1.3m | €1.4m | €1.4m | ▲ 1.1% |
| Amounts payable after more than one year17 | €343,009 | €337,567 | €293,264 | €315,279 | €246,553 | ▼ 21.8% |
| Financial debts170/4 | €343,009 | €337,567 | €293,264 | €315,279 | €246,553 | ▼ 21.8% |
| Amounts payable within one year42/48 | €531,221 | €923,809 | €995,666 | €1.1m | €1.1m | ▲ 8.3% |
| Current portion of amounts payable after more than one year42 | €44,795 | €60,855 | €73,311 | €77,537 | €70,017 | ▼ 9.7% |
| Financial debts43 | €225,000 | €501,665 | €501,697 | €601,698 | €650,108 | ▲ 8.0% |
| Credit institutions430/8 | €225,000 | €501,665 | €501,697 | €601,698 | €650,108 | ▲ 8.0% |
| Trade debts44 | €175,888 | €231,494 | €309,726 | €242,723 | €298,669 | ▲ 23.0% |
| Suppliers440/4 | €175,888 | €231,494 | €309,726 | €242,723 | €298,669 | ▲ 23.0% |
| Advances received on contracts in progress46 | €19,092 | €17,396 | €22,424 | €8,144 | €12,731 | ▲ 56.3% |
| Taxes, remuneration and social security45 | €66,446 | €112,400 | €88,508 | €125,223 | €111,535 | ▼ 10.9% |
| Taxes450/3 | €39,893 | €57,736 | €38,214 | €42,868 | €35,332 | ▼ 17.6% |
| Remuneration and social security454/9 | €26,552 | €54,664 | €50,294 | €82,355 | €76,203 | ▼ 7.5% |
| Accrued charges and deferred income492/3 | €6,058 | €8,454 | €22,421 | €24,527 | €21,161 | ▼ 13.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,047 | €18,559 | €11,269 | €6,779 | -€140,745 | ▼ 2,176% |
| + Depreciation and write-downs630 | €72,380 | €86,973 | €112,439 | €138,866 | €143,143 | ▲ 3.1% |
| Operating cash flow (approximation) | €73,427 | €105,532 | €123,708 | €145,646 | €2,398 | ▼ 98.4% |
| Investment in fixed assets (approximation) | - | -€117,888 | -€147,380 | -€191,257 | -€75,851 | ▲ 60.3% |
| Change in cash | - | €87,369 | €81,443 | -€55,038 | €41,944 | ▲ 176% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€140,745
Net result drops to -€140,745, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €1,047
Net result €1,047 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €80,653 ▲325%
Operating result €116,798, net result €80,653, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Herstal · 2 establishment units since 1996
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.
Parc Ind. des Hauts Sarts, 4e av 1144040 HerstalGround area
5,413 m²
Building footprint
1,479 m²
Volume, LiDAR
15,491 m³
Parcel 71326F0010/00C003, Flanders · tallest building 20.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Parc Ind. des Hauts Sarts, 4e av 114, 4040 Herstal
since 19962.076.443.960
TEMPCO
since 20152.243.284.257
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71326F0010/00C003 | Flanders | 5,413 m² | 1 · 1,479 m² | 20.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- SEDGE
- TEMPCO
Highest known parent: SEDGE. The sources do not say who stands above it.
Owners 1
- SEDGEparentSourceaccounts SEDGE 2025100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts 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 191 companies in sector 46646 we hold annual accounts for 120. 81 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded29-03-1996
Fiscal year end31-12
Activities, NACEBEL 2025
46646Wholesale trade
68201Renting and operating of own or leased residential real estate, excluding social housing
82990Other business support services
Contact
E-mail
JD@TEMPCO.BEHasselt
Phone
+32495770708Hasselt
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457527323
Also
9925:BE0457527323
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.