TEMPLAB
ActiveTEMPLAB has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €25k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 7912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +36 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency42▼-26
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.39 in 2024), and 75% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 46
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
25%
Return on assets
7.4%
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
14 d early
2023
26 d late
2022
9 d late
2021
47 d late
2020
60 d late
2019
68 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€83k▲ 42.3%
2024 · €58k
2018: €34k
2019: €35k
2020: €56k
2021: €58k
2022: €54k
2023: €61k
2024: €58k
2018 → 2025
Total assets
€333k▲ 119%
2024 · €152k
2018: €101k
2019: €112k
2020: €140k
2021: €168k
2022: €131k
2023: €158k
2024: €152k
2018 → 2025
Net result
€25k
2024 · €-2k
2018: €13k
2019: €682
2020: €22k
2021: €2k
2022: €-5k
2023: €7k
2024: €-2k
2018 → 2025
Working capital
€55k▲ 50.1%
2024 · €37k
2018: €34k
2019: €25k
2020: €47k
2021: €50k
2022: €44k
2023: €53k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€54k▼ 8.1%€61k▲ 13.4%€58k▼ 3.9%€83k▲ 42.3%
Operating result€3k-€-5k€8k€-2k€36k
Net result€2k-€-5k€7k€-2k€25k
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 returns to profit in 2025: €36k after a loss of €2k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €333k
Fixed assets
€28k▲ 28.6%
Current assets
€305k▲ 134%
Equity and liabilities €333k
Equity
€83k▲ 42.3%
Debt
€250k▲ 166%
The debt ratio rises from 61.7% to 75.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€46k▲
2024 · €-378
Cash flow
€35k▲
2024 · €-278
Solvency
25.0%▼
2024 · 38.3%
Current ratio
1.22▼
2024 · 1.39
Quick ratio
1.22▼
2024 · 1.39
Debt / equity
3.01▲
2024 · 1.61
ROE
29.7%▲
2024 · -4.0%
ROA
7.4%▲
2024 · -1.5%
Interest coverage
41.86▲
2024 · -1.22
Debt
€250k▲
2024 · €94k
Debt ≤ 1 year
€250k▲
2024 · €94k
Income taxes
€10k▲
2024 · €-37
Staff costs
€266k
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€152k€333k▲
Fixed assets21/28€22k€28k▲
Tangible fixed assets22/27€22k€28k▲
Plant, machinery and equipment23€8k€13k▲
Furniture and vehicles24€13k€15k▲
Current assets29/58€131k€305k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€35k€127k▲
Trade receivables40€35k€86k▲
Other amounts receivable41-€41k
Cash at bank and in hand54/58€95k€178k▲
Deferred charges and accrued income490/1-€69
Equity and liabilities
Total equity and liabilities10/49€152k€333k▲
Equity10/15€58k€83k▲
Contributions10/11€13k€13k=
Reserves13€0-
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Profit (loss) carried forward14€45k€70k▲
Amounts payable17/49€94k€250k▲
Amounts payable within one year42/48€94k€250k▲
Trade debts44€28k€122k▲
Suppliers440/4€28k€122k▲
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€2k€89k▲
Taxes450/3€2k€36k▲
Remuneration and social security454/9-€54k
Other amounts payable47/48€63k€37k▼
Accrued charges and deferred income492/3€108€0▼
Income statement
Code20242025
Remuneration, social security and pensions62-€266k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€10k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k€3k▼
Other operating charges640/8-€2k
Gross operating margin9900€9k€317k▲
Operating profit (loss)9901€-2k€36k▲
Financial income75/76B€374€77▼
Recurring financial income75€374€77▼
Financial charges65/66B€311€1k▲
Recurring financial charges65€311€1k▲
Profit (loss) for the period before taxes9903€-2k€35k▲
Income taxes67/77€-37€10k▲
Profit (loss) for the period9904€-2k€25k▲
Profit (loss) for the period to be appropriated9905€-2k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€70k▲
Profit (loss) brought forward from the previous period14P€47k€45k▼
Social balance
Average headcount (FTE)9087-3.2
The notes to these accounts (18 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Weakest financial yearnet €-5k ▼319%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Trooz · 1 establishment unit since 2009
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 Au Thier 384870 TroozGround area
1,614 m²
Building footprint
56 m²
Volume, LiDAR
435 m³
Parcel 62040G0104/00R000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Templab
since 20092.186.805.513
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62040G0104/00R000 | Wallonia | 1,614 m² | 1 · 56 m² | 9.4 m · 3 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
DB-S
BE 0756.644.342
Tielt-Winge · Eq €83k
Herbosch
BE 0728.762.483
Schilde · Eq €84k
Sattri Europe
BE 0750.913.226
Aarschot · Eq €84k
STINO
BE 0883.962.780
Zwevegem · Eq €84k
RBS-SYSTEMS
BE 0760.521.570
Andenne · Eq €82k
Of 1,070 companies in sector 46140 we hold annual accounts for 640. 487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2009
Fiscal year end31-12
Activities, NACEBEL
46140Agents in the wholesale of industrial machinery, ships and aircraft
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.