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TER LAAR

Active
Private limited companyfounded 1999active for 27 yearsLaarstraat 16, 9320 Aalst, BelgiumKBO/BCE: BE 0465.618.608
Summary

The annual accounts of TER LAAR for financial year 2025 show a net loss of 167% of total assets and of 67% of the equity at the start of that year. The 2025 annual accounts show equity of €6,940 and a net result of -€56,068. Equity is shrinking by about 19% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2027. Its solvency ranks better than 21% of 15,732 sector peers (NACE 69, financial year 2025). The company has been active since 1999 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
TER LAARActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Other tax advisory services
NACE 69209
1 site
Size
€33,671total assets 2025
Equity
€6,940
Loss
-€56,068
Turnover not published (micro format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
2025 accounts 36 days early
Why 53raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €56,068, the second in a row (financial year 2025)lowers riskSector: Legal and accounting activities (NACE 69)Size: total assets €33,671Figures for financial year 2025 (filed 25-03-2026)Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 8% of its sector peers (NACE 69, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 46-52
equity 20.6% of total assets
Liquidity 15-75
short-term debt 79.4% · cash 6.4%
Profitability 0=
return on assets -166.5%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,071 companies, NACE 69, micro)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: 0.1%▲ +0.1 percentage points vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.2%▲ +0.1 percentage points vs 03-2026highest value 05-2026: 0.2%● unchanged vs 04-2026highest value 06-2026: 0.2%● unchanged vs 05-2026highest value 07-2026: 0.2%● unchanged vs 06-2026highest value 08-2026: 0.2%● unchanged vs 07-2026highest value 09-2026: 0.2%● unchanged vs 08-2026highest value 10-2026: 0.2%● unchanged vs 09-2026highest value
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity insufficient (current ratio 0.15, compared with 1.78 in 2024, below 1; short-term debt: 79.4% and cash: 6.4% of total assets), and 79.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro): better than 23% on solvency, 3% on liquidity, 1% on profitability and 4% on growth.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Loss of €56,068, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Size: total assets €33,671
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 25-03-2026)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€56,068
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 15732 sector peers (2025).
NBB · sector comparison
Position among 15732 sector peers
Solvency
better than 21%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
36 days early
2024
65 days early
2023
32 days early
2022
54 days early
2021
59 days early
2020
31 days early
2019
59 days 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 48 days before the deadline; the sector median (NACE 69) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 7 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end30-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Weakest financial yearnet -€95,785

Key points

  • Risk: 4 loss-making years in a rowloss financial year 2025 -€56,068 View
  • Caution: Equity fell in 2025from €84,009 to €6,940 ▼ 91.7% View
  • Caution: Among the weakest 5% on net resultsector median €37,433 · 15,734 companies -€56,068 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Merger with IMMO SERVICEmerger on 11-06-2024 2024 View

By topic

Financials

Financial year
2025
Total assets
€33,671
Loss
-€56,068
Solvency
20.6%
Turnover▼ 78.3%
Net result
20212022
Go to Financials

Timeline

Events
33
Since
2001
Next accounts
by 30-04-2027
  1. 11-06-2024Capital & shares · Legal-form change ·…
  2. 29-03-2024Annual accounts filed
  3. 28-03-2024Restructuring · Miscellaneous
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other tax advisory servicesNACE 69209
Founded
11-03-1999
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
13
Who signs
Each director alone
Annual meeting
Last Saturday of February at 17:00
Purpose
“Schrijnwerk in de ruimste zin van het woord; Uitvoeren van studies en verlenen van advies…” (deed in Dutch)
Go to Articles of association

Key facts about TER LAAR

What is the company number of TER LAAR?
0465.618.608. In Belgium the VAT number is the company number with BE in front: BE 0465.618.608.
Where is TER LAAR based?
The registered office is at Laarstraat 16, 9320 Aalst.Company details
What does TER LAAR do?
According to the KBO register, the main activity is other tax advisory services (NACE 69209).
What is the legal form of TER LAAR?
Private limited company (BV).
When was TER LAAR founded?
On 11-03-1999.
Is TER LAAR still active?
Yes, TER LAAR is an active enterprise in the KBO register.
What is the turnover of TER LAAR?
€37,680 in financial year 2022, according to the filed annual accounts.Financials
Is TER LAAR profitable?
In financial year 2025, TER LAAR made a loss of €56,068.
Where can I find the annual accounts of TER LAAR?
TER LAAR filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TER LAAR due?
By 30-04-2027, for financial year 2026.Timeline

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