TEMS
ActiveThe computed 12-month bankruptcy probability of TEMS is 2.8% (moderate). The 2025 annual accounts show equity of €17k and a net result of €466. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 73% of 18040 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-16
Solvency87▲+22
Growth72=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 1.12 in 2024; short-term debt: 37.8% and cash: 15.8% of total assets), and 37.8% 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
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
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
Sector 47
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
62.2%
Return on assets
1.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €17k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
31 d late
2023
10 d late
2022
20 d early
2021
19 d early
2020
27 d late
2019
28 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€202k▲ 20.6%
2022 · €167k
2019: €72k
2020: €124k
2021: €119k
2022: €167k
2019 → 2023
EBIT margin
0.7%▼ 1.2pp
2022 · 1.9%
2019: 0.1%
2020: 2.2%
2021: -1.8%
2022: 1.9%
2019 → 2023
Net result
€466▼ 70.8%
2024 · €2k
2019: €-5
2020: €2k
2021: €-3k
2022: €-2k
2023: €356
2024: €2k
2019 → 2025
Working capital
€9k▲ 209%
2024 · €3k
2019: €7k
2020: €-3k
2021: €-15k
2022: €-12k
2023: €-7k
2024: €3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€119k-€167k▲ 40.5%€202k▲ 20.6%
Equity€17k-€14k▼ 13.9%€15k▲ 2.5%€16k▲ 10.7%€17k▲ 2.8%
Operating result€-2k-€3k€1k▼ 55.6%€3k▲ 151%€2k▼ 34.0%
Net result€-3k-€-2k▲ 33.0%€356€2k▲ 348%€466▼ 70.8%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27k
Fixed assets
€8k▼ 42.4%
Current assets
€19k▼ 28.3%
Equity and liabilities €27k
Equity
€17k▲ 2.8%
Debt
€10k▼ 57.4%
The debt ratio falls from 59.5% to 37.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €15k
Cash flow
€8k▼
2024 · €13k
Solvency
62.2%▲
2024 · 40.5%
Current ratio
1.89▲
2024 · 1.12
Quick ratio
0.42▼
2024 · 0.64
Debt / equity
0.61▼
2024 · 1.47
ROE
2.8%▼
2024 · 9.7%
ROA
1.7%▼
2024 · 3.9%
Interest coverage
4.47▼
2024 · 41.63
Debt
€10k▼
2024 · €24k
Debt ≤ 1 year
€10k▼
2024 · €24k
Income taxes
€219▼
2024 · €1k
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€41k€27k▼
Fixed assets21/28€13k€8k▼
Tangible fixed assets22/27€10k€5k▼
Furniture and vehicles24€554€1k▲
Leasing and similar rights25€4k-
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€3k€3k=
Current assets29/58€27k€19k▼
Stocks and contracts in progress3€12k€15k▲
Stocks30/36€12k€15k▲
Amounts receivable within one year40/41€1k-
Other amounts receivable41€1k-
Cash at bank and in hand54/58€14k€4k▼
Equity and liabilities
Total equity and liabilities10/49€41k€27k▼
Equity10/15€16k€17k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-2k€-2k▲
Amounts payable17/49€24k€10k▼
Amounts payable within one year42/48€24k€10k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€2k€2k▼
Remuneration and social security454/9€12k€6k▼
Other amounts payable47/48€5k-
Income statement
Code20242025
Remuneration, social security and pensions62€249-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€7k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€18k€12k▼
Operating profit (loss)9901€3k€2k▼
Financial income75/76B€13€521▲
Recurring financial income75€13€3▼
Non-recurring financial income76B€13€518▲
Financial charges65/66B€848€2k▲
Recurring financial charges65€362€2k▲
Non-recurring financial charges66B€486-
Profit (loss) for the period before taxes9903€3k€684▼
Income taxes67/77€1k€219▼
Profit (loss) for the period9904€2k€466▼
Profit (loss) for the period to be appropriated9905€2k€466▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-2k▲
Profit (loss) brought forward from the previous period14P€-4k€-2k▲
The notes to these accounts (5 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
10-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
2023
31-12
Financial
Back to profitnet €356
Net result €356 after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-3k ▼307%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 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, Evere · 1 establishment unit since 2019
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.
Vredeplein 8-91140 EvereGround area
183 m²
Building footprint
181 m²
Volume, LiDAR
1,438 m³
Parcel 21006A0171/03V000, Brussels · tallest building 15.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Vredeplein 8-9, 1140 Evere
since 20192.287.859.024
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0171/03V000 | Brussels | 182 m² | 1 · 181 m² | 15.7 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEvere2.287.859.024
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DISTRIFAFOOD
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BRIGHT NIGHT
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,861. 4,006 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2019
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.