TER BALK
ActiveTER BALK has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-522k) and a net result of €-43k. Equity is shrinking by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 9% of 3112 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▲+3
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.08 against 0.07 in 2024; short-term debt: 145.1% and cash: 2.1% of total assets), and equity is negative.
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-45.1%
Return on assets
-3.7%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-522k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
9 d early
2023
8 d early
2022
4 d early
2021
31 d late
2020
51 d early
2019
20 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-522k▼ 8.9%
2024 · €-479k
2018: €7k
2019: €-60k
2020: €-116k
2021: €-211k
2022: €-322k
2023: €-410k
2024: €-479k
2018 → 2025
Total assets
€1.16M▲ 4.0%
2024 · €1.11M
2018: €567k
2019: €832k
2020: €939k
2021: €1.06M
2022: €1.08M
2023: €1.10M
2024: €1.11M
2018 → 2025
Net result
€-43k▲ 38.4%
2024 · €-69k
2018: €-18k
2019: €-67k
2020: €-57k
2021: €-95k
2022: €-110k
2023: €-88k
2024: €-69k
2018 → 2025
Working capital
€-1.54M▼ 3.7%
2024 · €-1.49M
2018: €-520k
2019: €-817k
2020: €-978k
2021: €-1.19M
2022: €-1.30M
2023: €-1.40M
2024: €-1.49M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-211k-€-322k▼ 52.3%€-410k▼ 27.4%€-479k▼ 16.9%€-522k▼ 8.9%
Operating result€-95k-€-110k▼ 16.5%€-88k▲ 20.3%€-69k▲ 21.5%€-43k▲ 38.1%
Net result€-95k-€-110k▼ 16.4%€-88k▲ 20.2%€-69k▲ 21.2%€-43k▲ 38.4%
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 stays negative: a loss of €43k in 2025 against €69k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€1.02M▲ 1.1%
Current assets
€138k▲ 31.0%
Key figures and ratios
EBITDA
€-40k▲
2024 · €-68k
Cash flow
€-40k▲
2024 · €-68k
Solvency
-45.1%▼
2024 · -43.0%
Current ratio
0.08▲
2024 · 0.07
Quick ratio
0.08▲
2024 · 0.07
Debt / equity
-3.22▲
2024 · -3.32
ROA
-3.7%▲
2024 · -6.2%
Interest coverage
-240.61▼
2024 · -141.95
Debt
€1.68M▲
2024 · €1.59M
Debt ≤ 1 year
€1.68M▲
2024 · €1.59M
Staff costs
€38k▼
2024 · €48k
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€1.11M€1.16M▲
Fixed assets21/28€1.01M€1.02M▲
Tangible fixed assets22/27€1.01M€1.02M▲
Land and buildings22€450k€450k=
Plant, machinery and equipment23€539k€551k▲
Furniture and vehicles24€20k€20k=
Current assets29/58€105k€138k▲
Amounts receivable within one year40/41€87k€94k▲
Trade receivables40€0€80▲
Other amounts receivable41€87k€94k▲
Cash at bank and in hand54/58€16k€25k▲
Deferred charges and accrued income490/1€3k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.16M▲
Equity10/15€-479k€-522k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-504k€-547k▼
Amounts payable17/49€1.59M€1.68M▲
Amounts payable within one year42/48€1.59M€1.68M▲
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€275€0▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€1.59M€1.67M▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€9k€8k▼
Gross operating margin9900€-10k€5k▲
Operating profit (loss)9901€-69k€-43k▲
Financial income75/76B€0€32▲
Recurring financial income75€0€32▲
Financial charges65/66B€476€167▼
Recurring financial charges65€476€167▼
Profit (loss) for the period before taxes9903€-69k€-43k▲
Profit (loss) for the period9904€-69k€-43k▲
Profit (loss) for the period to be appropriated9905€-69k€-43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-504k€-547k▼
Profit (loss) brought forward from the previous period14P€-435k€-504k▼
The notes to these accounts (14 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-110k
Net result drops to €-110k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kampenhout · 1 establishment unit since 2018
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.
Waterstraat 531910 KampenhoutGround area
1,130 m²
Building footprint
860 m²
Volume, LiDAR
5,910 m³
Parcel 23055B0331/00A000, Flanders · tallest building 12.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TER BALK
since 20182.282.737.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23055B0331/00A000 | Flanders | 1,130 m² | 1 · 860 m² | 12.9 m · 2 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
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FERME DE MOIRPUS
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BE 0812.399.843
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AGRICAR
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Of 5,167 companies in sector 01110 we hold annual accounts for 612. 131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-04-2018
Fiscal year end31-12
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
68201Renting and operating of own or leased residential real estate, excluding social housing
01700Crop and animal production, hunting and related service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.