Temsica

Open bankruptcy

Private limited companyfounded 2023Schoolstraat 42, 9140 Temse, BelgiumKBO/BCE: BE 0798.343.949

A bankruptcy procedure is open for Temsica according to publications in the Belgian State Gazette; curator: JUUL CREYTENS. The 2024 annual accounts show equity of €69k and a net result of €25k.

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Signals

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

+raises risk○neutral

The KBO register records the legal situation: open bankruptcy (code 050). This is today's state according to the register itself; the register carries no start date.

KBO · legal situation

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Belgian State Gazette

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-10-2025, 82 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

82 d late

2023

56 d late

← before the deadline after the 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

Financials · fiscal year 2024, micro schema

Equity

€69k▲ 57.6%

2023 · €44k

2023: €44k

2023 → 2024

Total assets

€197k▲ 214%

2023 · €63k

2023: €63k

2023 → 2024

Net result

€25k▼ 42.4%

2023 · €44k

2023: €44k

2023 → 2024

Working capital

€39k▲ 19.8%

2023 · €33k

2023: €33k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€44k-€69k▲ 57.6%

Operating result€55k-€33k▼ 40.5%

Net result€44k-€25k▼ 42.4%

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 2024; 2024 is 41% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €197k

14.8%

85.2%

Fixed assets €29k▲ 174%

Current assets €168k▲ 223%

Equity and liabilities €197k

34.8%

65.2%

Equity €69k▲ 57.6%

Debt €129k▲ 571%

The debt ratio rises from 30.6% to 65.2%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€40k▼

2023 · €57k

Cash flow

€33k▼

2023 · €45k

Solvency

34.8%▼

2023 · 69.4%

Current ratio

1.31▼

2023 · 2.71

Quick ratio

1.23▼

2023 · 2.19

Debt / equity

1.87▲

2023 · 0.44

ROE

36.6%▼

2023 · 100.0%

ROA

12.7%▼

2023 · 69.4%

Interest coverage

649.29▼

2023 · 1312.45

Debt

€129k▲

2023 · €19k

Debt ≤ 1 year

€129k▲

2023 · €19k

Income taxes

€7k▼

2023 · €11k

Staff costs

€143k▲

2023 · €123k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€63k€197k▲

Fixed assets21/28€11k€29k▲

Tangible fixed assets22/27€11k€29k▲

Furniture and vehicles24€11k€29k▲

Current assets29/58€52k€168k▲

Stocks and contracts in progress3€10k€10k=

Stocks30/36€10k€10k=

Amounts receivable within one year40/41€30k€146k▲

Trade receivables40€30k€146k▲

Cash at bank and in hand54/58€12k€11k▼

Equity and liabilities

Total equity and liabilities10/49€63k€197k▲

Equity10/15€44k€69k▲

Profit (loss) carried forward14€44k€69k▲

Amounts payable17/49€19k€129k▲

Amounts payable within one year42/48€19k€129k▲

Trade debts44€2k€88k▲

Suppliers440/4€2k€88k▲

Taxes, remuneration and social security45€16k€40k▲

Taxes450/3€15k€20k▲

Remuneration and social security454/9€2k€20k▲

Other amounts payable47/48€614€306▼

Income statement Code20232024

Remuneration, social security and pensions62€123k€143k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€8k▲

Other operating charges640/8€888€4k▲

Gross operating margin9900€180k€187k▲

Operating profit (loss)9901€55k€33k▼

Financial income75/76B€4-

Recurring financial income75€4-

Financial charges65/66B€43€62▲

Recurring financial charges65€43€62▲

Profit (loss) for the period before taxes9903€55k€33k▼

Income taxes67/77€11k€7k▼

Profit (loss) for the period9904€44k€25k▼

Profit (loss) for the period to be appropriated9905€44k€25k▼

Appropriation of the result

Profit (loss) to be appropriated9906€44k€69k▲

Profit (loss) brought forward from the previous period14P-€44k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Signals 1Filings 2

2025

27-10

Bankruptcy Opening

Ondernemingsrechtbank Gent, afdeling Dendermonde · TEMSICA BV SCHOOL- STRAAT 42, 9140 TEMSE · event 21-10-2025

21-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 82 days late

2024

25-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 56 days late

SignalNBB filing

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, Temse · 2 establishment units since 2023

establishment All 2 establishment units on the map

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.

Schoolstraat 429140 Temse

Ground area

1,358 m²

Building footprint

684 m²

Volume, LiDAR

3,769 m³

2 parcels, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

Temsica

Schoolstraat 42, 9140 TemseArtisanal bread and fresh pastry making

since 20232.341.746.383

Temsica

Kapellestraat 46-48, 9220 Hamme (Vl.)Artisanal bread and fresh pastry making

since 20242.364.469.921

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42452B0268/00N000	Flanders	933 m²	1 · 579 m²	8.6 m · 2 fl.
46025B0976/00K006	Flanders	425 m²	1 · 105 m²	13.2 m · 3 fl.

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.

Insolvency mandates

1 mandate

Role	Name	Tenure
Curator	JUUL CREYTENS LEOPOLDLAAN 15, 9200 DENDER- MONDE	21-10-2025 → present

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2024	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

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LA MIGNARDISE DE LA LIENNE

Of 4,202 companies in sector 10712 we hold annual accounts for 1,853. 1,569 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-02-2023

Fiscal year end31-12

Activities, NACEBEL

10712Artisanal bread and fresh pastry making

10720Manufacture of food products

47210Retail sale of fruit and vegetables

47279Other retail sale of food

47299Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.