TEMPO

Active

Private limited companyfounded 199530 yrs activeOude Veldstraat 145, 9080 Lochristi, BelgiumKBO/BCE: BE 0456.241.478

Summary

TEMPO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236,435 and a net result of €1,299. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 69% of 9042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

TEMPOActiveChecked score 85/100

Risk analysis Report Compare

Activity

Plumbing work

NACE 43221NACE 45332

1 site

Size

€389,429total assets 2025

Equity: €236,435
Profit: €1,299

Turnover not published (abridged schema)

Financial health

85 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts filed 23 d late0 of 3 deeds read

Why 85- Sector Specialised construction activities (NACE 43)+ Founded in 1995+ Equity €236,435 (60.7% of total assets)+ Figures for FY 2025 (filed 23-08-2026)Show the evidence

Checked score

Score 2025

85 / 100

Excellent

Probability in this band: under 0.55%

Better than 42% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 86+29

equity 60.7% of total assets

Liquidity 56+4

short-term debt 4.1% · cash 4.4%

Profitability 32-7

return on assets 0.3%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,133 companies)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● 0.0% vs 11-2024 01-2025: 0.4%▼ -0.5% vs 12-2024 02-2025: 0.4%● 0.0% vs 01-2025 03-2025: 0.4%▼ -2.5% vs 02-2025 04-2025: 0.4%▲ +0.5% vs 03-2025 05-2025: 0.4%▲ +1.0% vs 04-2025 06-2025: 0.4%▼ -2.5% vs 05-2025 07-2025: 0.5%▲ +17.1% vs 06-2025 08-2025: 0.3%▼ -43.2% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -0.8% vs 12-2025 02-2026: 0.3%▲ +2.0% vs 01-2026 03-2026: 0.3%▲ +3.1% vs 02-2026 04-2026: 0.3%▼ -5.2% vs 03-2026lowest value 05-2026: 0.3%▲ +7.5% vs 04-2026 06-2026: 0.3%▼ -4.4% vs 05-2026 07-2026: 0.3%▲ +19.2% vs 06-2026 08-2026: 0.6%▲ +101% vs 07-2026highest value 09-2026: 0.3%▼ -53.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026

Sector Specialised construction activities (NACE 43) raises the probability
Founded in 1995 lowers the probability for this profile
Equity €236,435 (60.7% of total assets) lowers the probability
Figures for FY 2025 (filed 23-08-2026) lowers the probability

Credit up to €20,000 at 30 days acceptable

Liquidity ample (current ratio 12.05 against 3.94 in 2024; short-term debt: 4.1% and cash: 4.4% of total assets), and 39.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 66%, liquidity 52%, profitability 17%, growth against the median 31%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Specialised construction activities (NACE 43)

In the bankruptcy model this factor raises the probability.

KBO

Founded in 1995

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Equity €236,435 (60.7% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Figures for FY 2025 (filed 23-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 filings

Deviation from the deadline

2025

23 d late

2024

11 d early

2023

30 d late

2022

31 d late

2021

23 d late

2020

13 d early

2019

12 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 10 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)

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 23 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage