TEMPERIS
ActiveTEMPERIS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €92k. Equity is growing by ~69.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-61
Solvency37▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.33 against 0.37 in 2024; short-term debt: 28% and cash: 6.1% of total assets), and 88.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
11.8%
Return on assets
4.7%
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 15% of 12685 sector peers (2025).
NBB · sector comparisonPosition among 12685 sector peers
Solvency
better than 15%
← 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 19-08-2026, 19 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 · 7 filingsDeviation from the deadline
2025
19 d late
2024
26 d late
2023
5 d early
2022
on the day
2021
4 d late
2020
29 d late
2019
31 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▲ 0.8%
2024 · €231k
2019: €23k
2020: €26k
2021: €59k
2022: €108k
2023: €20k
2024: €231k
2019 → 2025
Total assets
€1.98M▼ 3.3%
2024 · €2.04M
2019: €225k
2020: €193k
2021: €171k
2022: €212k
2023: €213k
2024: €2.04M
2019 → 2025
Net result
€92k▼ 78.8%
2024 · €433k
2019: €3k
2020: €3k
2021: €34k
2022: €49k
2023: €64k
2024: €433k
2019 → 2025
Working capital
€-370k▼ 21.1%
2024 · €-306k
2019: €382
2020: €4k
2021: €40k
2022: €88k
2023: €20k
2024: €-306k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€108k▲ 82.4%€20k▼ 81.4%€231k▲ 1,046%€233k▲ 0.8%
Operating result€47k-€67k▲ 42.4%€87k▲ 30.0%€313k▲ 259%€56k▼ 82.0%
Net result€34k-€49k▲ 44.8%€64k▲ 31.4%€433k▲ 576%€92k▼ 78.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 82% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.98M
Fixed assets
€1.79M▼ 3.9%
Current assets
€183k▲ 3.6%
Equity and liabilities €1.98M
Equity
€233k▲ 0.8%
Provisions
€58k▼ 3.5%
Debt
€1.68M▼ 3.8%
The debt ratio falls from 85.8% to 85.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k▼
2024 · €326k
Cash flow
€105k▼
2024 · €447k
Solvency
11.8%▲
2024 · 11.3%
Current ratio
0.33▼
2024 · 0.37
Quick ratio
0.33▼
2024 · 0.37
Debt / equity
7.24▼
2024 · 7.59
ROE
39.5%▼
2024 · 187.6%
ROA
4.7%▼
2024 · 21.2%
Interest coverage
1.15▼
2024 · 10.76
Debt
€1.68M▼
2024 · €1.75M
Debt ≤ 1 year
€553k▲
2024 · €482k
Debt > 1 year
€1.12M▼
2024 · €1.27M
Income taxes
€7k▼
2024 · €13k
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€2.04M€1.98M▼
Fixed assets21/28€1.87M€1.79M▼
Tangible fixed assets22/27€498k€485k▼
Land and buildings22€498k€485k▼
Financial fixed assets28€1.37M€1.31M▼
Current assets29/58€177k€183k▲
Amounts receivable after more than one year29-€49k
Other amounts receivable291-€49k
Amounts receivable within one year40/41€125k€7k▼
Trade receivables40€65k€7k▼
Other amounts receivable41€60k-
Current investments50/53€7k€7k=
Cash at bank and in hand54/58€44k€120k▲
Deferred charges and accrued income490/1-€792
Equity and liabilities
Total equity and liabilities10/49€2.04M€1.98M▼
Equity10/15€231k€233k▲
Contributions10/11€20k€20k=
Reserves13€211k€213k▲
Non-distributable reserves130/1€7k€7k=
Own shares acquired1312€7k€7k=
Tax-exempt reserves132€180k€174k▼
Distributable reserves133€24k€32k▲
Provisions and deferred taxes16€60k€58k▼
Deferred taxes168€60k€58k▼
Amounts payable17/49€1.75M€1.68M▼
Amounts payable after more than one year17€1.27M€1.12M▼
Financial debts170/4€1.27M€1.12M▼
Amounts payable within one year42/48€482k€553k▲
Current portion of amounts payable after more than one year42€146k€151k▲
Taxes, remuneration and social security45€15k€4k▼
Taxes450/3€15k€4k▼
Other amounts payable47/48€322k€398k▲
Accrued charges and deferred income492/3-€13k
Income statement
Code20242025
Non-recurring operating income76A€287k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-4k€-11k▼
Other operating charges640/8€484€9k▲
Gross operating margin9900€323k€67k▼
Operating profit (loss)9901€313k€56k▼
Financial income75/76B€224k€100k▼
Recurring financial income75€224k€100k▼
Financial charges65/66B€30k€60k▲
Recurring financial charges65€30k€60k▲
Profit (loss) for the period before taxes9903€506k€97k▼
Transfer from deferred taxes780€496€2k▲
Transfer to deferred taxes680€61k-
Income taxes67/77€13k€7k▼
Profit (loss) for the period9904€433k€92k▼
Transfer from tax-exempt reserves789€1k€6k▲
Transfer to tax-exempt reserves689€182k-
Profit (loss) for the period to be appropriated9905€253k€98k▼
Appropriation of the result
Profit (loss) to be appropriated9906€253k€98k▼
Transfer to equity691/2€31k€8k▼
To other reserves6921€31k€8k▼
Profit to be distributed694/7€222k€90k▼
Return on contributions (dividend)694€222k€90k▼
The notes to these accounts (10 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2019net €433k ▲576%
Operating result €313k, net result €433k, both a record.
31-12
Financial
Equity above €200kEq €231k ▲1046%
6 profitable years in a row build equity to €231k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €108k ▲82.4%
4 profitable years in a row build equity to €108k.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Waimes · 1 establishment unit since 2018
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.
Rue de Bouhémont 214950 WaimesGround area
2,213 m²
Building footprint
215 m²
Volume, LiDAR
1,182 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIDUCIAIRE DU LAC
since 20182.282.254.701
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080F0162/00H000 | Wallonia | 2,062 m² | 1 · 177 m² | 9.1 m · 2 fl. |
| 82032E0242/00B000 | Wallonia | 150 m² | 1 · 37 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-11-2018
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@fiduciairedulac.be
Phone:080215157