Templim
ActiveSummary
Templim has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €835k and a net result of €114k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 57% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-11
Solvency67▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.75 in 2024; short-term debt: 21.4% and cash: 12.5% of total assets), but 58% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
42%
Return on assets
5.7%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 10 filingsDeviation from the deadline
2025
6 d late
2024
29 d late
2023
30 d late
2022
4 d early
2021
16 d early
2020
10 d early
2019
on the day
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€114k▼ 49.4%
2024 · €226k
Working capital
€583k▲ 33.4%
2024 · €437k
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€65k▼ 36.5%€118k▲ 82.5%€173k▲ 46.6%€283k▲ 63.1%€167k▼ 40.8%
Net result€33k▼ 53.7%€60k▲ 82.7%€117k▲ 94.1%€226k▲ 93.4%€114k▼ 49.4%
Equity€318k▲ 11.5%€378k▲ 18.9%€495k▲ 30.8%€721k▲ 45.6%€835k▲ 15.8%
Total assets€1.85M▲ 289%€2.05M▲ 10.7%€1.96M▼ 4.3%€2.17M▲ 10.5%€1.99M▼ 8.2%
Debt€1.53M▲ 703%€1.67M▲ 9.0%€1.47M▼ 12.2%€1.44M▼ 1.4%€1.15M▼ 20.2%
Working capital€-245k€74k€201k▲ 170%€437k▲ 117%€583k▲ 33.4%
Staff (FTE)6.3▲ 26.0%7.4▲ 17.5%6.9▼ 6.8%7.7▲ 11.6%6.8▼ 11.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.99M
Fixed assets
€976k ▼ 14.1%
Current assets
€1.01M ▼ 1.2%
Equity and liabilities €1.99M
Equity
€835k ▲ 15.8%
Debt
€1.15M ▼ 20.2%
Debt's share of the balance-sheet total falls from 66.7% to 58.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€328k▼
2024 · €448k
Cash flow
€275k▼
2024 · €391k
Current ratio
2.37▲
2024 · 1.75
Quick ratio
1.74▲
2024 · 1.30
Debt to equity
1.38▼
2024 · 2.01
ROE
13.7%▼
2024 · 31.3%
ROA
5.7%▼
2024 · 10.4%
Interest coverage
4.95▼
2024 · 5.56
Debt ≤ 1 year
€426k▼
2024 · €584k
Debt > 1 year
€728k▼
2024 · €860k
Income taxes
€176▲
2024 · €174
Staff costs
€283k▲
2024 · €274k
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 | €169k | €68k | €63k | €88k | €2k | ▼ 98.0% |
| Remuneration, social security and pensions62 | €243k | €270k | €264k | €274k | €283k | ▲ 3.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38k | €143k | €164k | €165k | €161k | ▼ 2.7% |
| Other operating charges640/8 | €15k | €10k | €26k | €55k | €30k | ▼ 46.2% |
| Non-recurring operating charges66A | €3k | €4k | €7k | €20k | €566 | ▼ 97.1% |
| Gross operating margin9900 | €363k | €545k | €635k | €797k | €641k | ▼ 19.6% |
| Operating profit (loss)9901 | €65k | €118k | €173k | €283k | €167k | ▼ 40.8% |
| Financial income75/76B | €5k | €7k | €12k | €31k | €20k | ▼ 37.5% |
| Recurring financial income75 | €5k | €7k | €12k | €31k | €20k | ▼ 37.5% |
| Financial charges65/66B | €37k | €65k | €69k | €88k | €73k | ▼ 17.7% |
| Recurring financial charges65 | €37k | €65k | €68k | €81k | €66k | ▼ 17.8% |
| Non-recurring financial charges66B | - | - | €822 | €8k | €6k | ▼ 16.5% |
| Profit (loss) for the period before taxes9903 | €33k | €60k | €117k | €226k | €114k | ▼ 49.4% |
| Income taxes67/77 | €112 | €153 | €165 | €174 | €176 | ▲ 1.0% |
| Profit (loss) for the period9904 | €33k | €60k | €117k | €226k | €114k | ▼ 49.4% |
| Profit (loss) for the period to be appropriated9905 | €33k | €60k | €117k | €226k | €114k | ▼ 49.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.85M | €2.05M | €1.96M | €2.17M | €1.99M | ▼ 8.2% |
| Formation expenses20 | €20k | €20k | €14k | €8k | €3k | ▼ 60.7% |
| Fixed assets21/28 | €1.22M | €1.40M | €1.28M | €1.14M | €976k | ▼ 14.1% |
| Intangible fixed assets21 | €773 | €553 | €333 | €145 | €35 | ▼ 75.9% |
| Tangible fixed assets22/27 | €1.22M | €1.40M | €1.27M | €1.12M | €969k | ▼ 13.2% |
| Land and buildings22 | €600k | €600k | €581k | €544k | €510k | ▼ 6.1% |
| Plant, machinery and equipment23 | €466k | €494k | €443k | €386k | €336k | ▼ 12.9% |
| Furniture and vehicles24 | €131k | €125k | €91k | €65k | €31k | ▼ 52.6% |
| Leasing and similar rights25 | €27k | €181k | €151k | €121k | €91k | ▼ 24.6% |
| Financial fixed assets28 | - | €2k | €10k | €20k | €7k | ▼ 65.0% |
| Current assets29/58 | €606k | €626k | €671k | €1.02M | €1.01M | ▼ 1.2% |
| Stocks and contracts in progress3 | €201k | €261k | €255k | €265k | €268k | ▲ 1.0% |
| Stocks30/36 | €201k | €261k | €255k | €265k | €268k | ▲ 1.0% |
| Amounts receivable within one year40/41 | €138k | €75k | €120k | €224k | €489k | ▲ 118% |
| Trade receivables40 | €93k | €47k | €90k | €189k | €137k | ▼ 27.6% |
| Other amounts receivable41 | €46k | €28k | €30k | €35k | €352k | ▲ 902% |
| Cash at bank and in hand54/58 | €128k | €225k | €269k | €504k | €248k | ▼ 50.7% |
| Deferred charges and accrued income490/1 | €139k | €65k | €26k | €28k | €5k | ▼ 83.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.85M | €2.05M | €1.96M | €2.17M | €1.99M | ▼ 8.2% |
| Equity10/15 | €318k | €378k | €495k | €721k | €835k | ▲ 15.8% |
| Contributions10/11 | €1.03M | €1.03M | €1.03M | €1.03M | €1.03M | = |
| Capital10 | €1.03M | €1.03M | €1.03M | €1.03M | €1.03M | = |
| Issued capital100 | €1.03M | €1.03M | €1.03M | €1.03M | €1.03M | = |
| Reserves13 | €5k | €5k | €5k | €5k | €5k | = |
| Tax-exempt reserves132 | €5k | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €-714k | €-654k | €-538k | €-312k | €-198k | ▲ 36.6% |
| Amounts payable17/49 | €1.53M | €1.67M | €1.47M | €1.44M | €1.15M | ▼ 20.2% |
| Amounts payable after more than one year17 | €681k | €1.12M | €991k | €860k | €728k | ▼ 15.4% |
| Financial debts170/4 | €677k | €1.11M | €987k | €857k | €724k | ▼ 15.5% |
| Other amounts payable178/9 | €4k | €4k | €4k | €4k | €4k | = |
| Amounts payable within one year42/48 | €851k | €551k | €470k | €584k | €426k | ▼ 27.1% |
| Current portion of amounts payable after more than one year42 | €49k | €125k | €141k | €130k | €133k | ▲ 2.1% |
| Trade debts44 | €773k | €386k | €279k | €414k | €259k | ▼ 37.5% |
| Suppliers440/4 | €773k | €386k | €279k | €414k | €259k | ▼ 37.5% |
| Taxes, remuneration and social security45 | €29k | €40k | €49k | €39k | €34k | ▼ 14.1% |
| Taxes450/3 | €119 | €153 | €3k | €339 | €176 | ▼ 48.0% |
| Remuneration and social security454/9 | €29k | €40k | €46k | €39k | €34k | ▼ 13.8% |
| Other amounts payable47/48 | €106 | €106 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | - | €0 | €5k | €710 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33k | €60k | €117k | €226k | €114k | ▼ 49.4% |
| + Depreciation and write-downs630 | €38k | €143k | €164k | €165k | €161k | ▼ 2.7% |
| Operating cash flow (approximation) | €70k | €204k | €281k | €391k | €275k | ▼ 29.7% |
| Investment in fixed assets (approximation) | - | €-321k | €-38k | €-27k | €-65 | ▲ 99.8% |
| Change in cash | - | €97k | €45k | €235k | €-256k | ▼ 209% |
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 6 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €226k ▲93.4%
Operating result €283k, net result €226k, both a record.
31-12
Financial
Equity above €500kEq €721k ▲45.6%
6 profitable years in a row build equity to €721k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €89k
Net result €89k after one loss-making year.
31-12
Financial
Equity above €200kEq €214k ▲71.3%
Equity rises from €125k to €214k.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 55 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Tournai · 1 establishment unit since 2012
Ground area
415 m²
Building footprint
50 m²
Volume, LiDAR
163 m³
Parcel 57078D0918/00E000, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue de Formanoir(TEM) 89, 7520 Tournai
since 20122.209.592.989
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57078D0918/00E000 | Wallonia | 415 m² | 1 · 50 m² | 5.2 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTournai2.209.592.989
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Of 10,506 companies in sector 47110 we hold annual accounts for 5,848. 2,468 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
Founded13-02-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47222Retail trade
47221Retail sale of meat and meat products, excluding game and poultry
Scores and ratios are computed by Checked and are not a credit decision.