TER-Consult
ActiveTER-Consult has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €497k and a net result of €84k. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-8
Solvency82▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.05 in 2024; short-term debt: 28.9% and cash: 26.5% of total assets), and 42.6% of the assets are financed with debt.
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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
57.4%
Return on assets
9.7%
Age of the figures
9 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
24 d early
2023
23 d early
2022
51 d early
2021
15 d early
2020
47 d early
2019
53 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€497k▲ 9.9%
2024 · €452k
2018: €44k
2019: €142k
2020: €166k
2021: €208k
2022: €273k
2023: €376k
2024: €452k
2018 → 2025
Total assets
€866k▲ 4.4%
2024 · €829k
2018: €205k
2019: €436k
2020: €449k
2021: €634k
2022: €644k
2023: €725k
2024: €829k
2018 → 2025
Net result
€84k▼ 38.7%
2024 · €137k
2018: €84k
2019: €118k
2020: €25k
2021: €103k
2022: €117k
2023: €203k
2024: €137k
2018 → 2025
Working capital
€297k▲ 16.5%
2024 · €255k
2018: €32k
2019: €48k
2020: €72k
2021: €104k
2022: €117k
2023: €220k
2024: €255k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€208k-€273k▲ 31.3%€376k▲ 37.9%€452k▲ 20.2%€497k▲ 9.9%
Operating result€140k-€156k▲ 11.7%€263k▲ 68.3%€182k▼ 31.0%€120k▼ 34.0%
Net result€103k-€117k▲ 13.4%€203k▲ 74.0%€137k▼ 32.5%€84k▼ 38.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 34% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €866k
Fixed assets
€319k▼ 3.9%
Current assets
€547k▲ 9.9%
Equity and liabilities €866k
Equity
€497k▲ 9.9%
Debt
€368k▼ 2.2%
The debt ratio falls from 45.4% to 42.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€156k▼
2024 · €216k
Cash flow
€120k▼
2024 · €171k
Solvency
57.4%▲
2024 · 54.6%
Current ratio
2.19▲
2024 · 2.05
Quick ratio
2.19▲
2024 · 2.05
Debt / equity
0.74▼
2024 · 0.83
ROE
16.9%▼
2024 · 30.4%
ROA
9.7%▼
2024 · 16.6%
Interest coverage
41.94▼
2024 · 56.91
Debt
€368k▼
2024 · €377k
Debt ≤ 1 year
€250k▲
2024 · €243k
Debt > 1 year
€118k▼
2024 · €134k
Income taxes
€34k▼
2024 · €45k
Staff costs
€320k▲
2024 · €256k
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€829k€866k▲
Fixed assets21/28€332k€319k▼
Tangible fixed assets22/27€307k€294k▼
Land and buildings22€273k€265k▼
Plant, machinery and equipment23€20k€17k▼
Furniture and vehicles24€14k€11k▼
Financial fixed assets28€25k€25k▲
Current assets29/58€497k€547k▲
Amounts receivable within one year40/41€144k€261k▲
Trade receivables40€144k€251k▲
Other amounts receivable41€251€11k▲
Current investments50/53-€50k
Cash at bank and in hand54/58€343k€229k▼
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€829k€866k▲
Equity10/15€452k€497k▲
Contributions10/11€17k€17k=
Profit (loss) carried forward14€421k€468k▲
Investment grants15€14k€13k▼
Amounts payable17/49€377k€368k▼
Amounts payable after more than one year17€134k€118k▼
Financial debts170/4€134k€117k▼
Other amounts payable178/9-€1k
Amounts payable within one year42/48€243k€250k▲
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€51k€55k▲
Suppliers440/4€51k€55k▲
Taxes, remuneration and social security45€122k€141k▲
Taxes450/3€68k€64k▼
Remuneration and social security454/9€54k€77k▲
Other amounts payable47/48€53k€36k▼
Income statement
Code20242025
Remuneration, social security and pensions62€256k€320k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€36k▲
Other operating charges640/8€2k€887▼
Gross operating margin9900€473k€477k▲
Operating profit (loss)9901€182k€120k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€182k€118k▼
Income taxes67/77€45k€34k▼
Profit (loss) for the period9904€137k€84k▼
Profit (loss) for the period to be appropriated9905€137k€84k▼
Appropriation of the result
Profit (loss) to be appropriated9906€481k€506k▲
Profit (loss) brought forward from the previous period14P€343k€421k▲
Profit to be distributed694/7€59k€38k▼
Return on contributions (dividend)694€59k€27k▼
Employees696-€11k
The notes to these accounts (9 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €203k ▲74%
Operating result €263k, net result €203k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €208k ▲24.9%
4 profitable years in a row build equity to €208k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €25k ▼79.1%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €166k ▲17.4%
3 profitable years in a row build equity to €166k.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €142k ▲225%
2 profitable years in a row build equity to €142k.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Liège · 2 establishment units since 2016
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.
Rue de Serbie 784000 LiègeGround area
205 m²
Building footprint
96 m²
Volume, LiDAR
952 m³
2 parcels, Brussels, Wallonia · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
TER-Consult
since 20162.250.061.488
TER-Consult
since 20222.340.013.548
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62805B0461/00S012 | Wallonia | 168 m² | 1 · 58 m² | 16.1 m · 5 fl. |
| 21818B0532/00L004 | Brussels | 37 m² | 1 · 38 m² | 9.4 m · 1 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.
Similar companies · same sector, comparable size
GEOTECHNICA
BE 0506.696.821
Jette · Eq €497k
FLUKSO
BE 0837.612.321
Leuven · Eq €498k
Winthrop Technologies Belgium
BE 0767.806.468
Brussel · Eq €497k
CENERPRO
BE 0879.826.919
Gent · Eq €498k
YECO
BE 0888.451.803
Hasselt · Eq €496k
Of 11,555 companies in sector 71121 we hold annual accounts for 6,562. 4,422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2016
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
01309Crop and animal production, hunting and related service activities
01450Raising of sheep and goats
43410Roofing work
71113Urban planning and landscape architecture
71122Land surveying
71209Other technical testing and analysis
72109Other research and development on natural sciences
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.
Contact details
2 entriesWebsite:www.ter-consult.be
E-mail:info@ter-consult.be