TER LOO
ActiveTER LOO has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €-15k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-65
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 4.38 against 4.06 in 2024; short-term debt: 9.3% and cash: 12.9% of total assets), and 9.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
72 d early
2023
90 d early
2022
111 d early
2021
44 d early
2020
92 d early
2019
36 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€222k▼ 6.2%
2024 · €237k
2018: €151k
2019: €185k
2020: €228k
2021: €220k
2022: €236k
2023: €247k
2024: €237k
2018 → 2025
Total assets
€245k▼ 8.1%
2024 · €267k
2018: €180k
2019: €213k
2020: €254k
2021: €266k
2022: €261k
2023: €263k
2024: €267k
2018 → 2025
Net result
€-15k
2024 · €16k
2018: €18k
2019: €34k
2020: €43k
2021: €17k
2022: €16k
2023: €11k
2024: €16k
2018 → 2025
Working capital
€77k▼ 15.3%
2024 · €91k
2018: €137k
2019: €156k
2020: €203k
2021: €59k
2022: €79k
2023: €99k
2024: €91k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€220k-€236k▲ 7.1%€247k▲ 4.6%€237k▼ 3.8%€222k▼ 6.2%
Operating result€28k-€26k▼ 5.3%€19k▼ 28.2%€21k▲ 10.5%€-15k
Net result€17k-€16k▼ 9.0%€11k▼ 30.5%€16k▲ 43.1%€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €21k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €245k
Fixed assets
€146k▼ 0.6%
Current assets
€99k▼ 17.3%
Equity and liabilities €245k
Equity
€222k▼ 6.2%
Debt
€23k▼ 23.3%
The debt ratio falls from 11.1% to 9.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-14k▼
2024 · €22k
Cash flow
€-14k▼
2024 · €17k
Solvency
90.7%▲
2024 · 88.9%
Current ratio
4.38▲
2024 · 4.06
Quick ratio
4.38▲
2024 · 4.06
Debt / equity
0.10▼
2024 · 0.12
ROE
-6.6%▼
2024 · 6.6%
ROA
-6.0%▼
2024 · 5.8%
Interest coverage
-80.14▼
2024 · 40.23
Debt
€23k▼
2024 · €30k
Debt ≤ 1 year
€23k▼
2024 · €30k
Income taxes
€521▼
2024 · €9k
Staff costs
€697▼
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€267k€245k▼
Fixed assets21/28€147k€146k▼
Tangible fixed assets22/27€147k€146k▼
Land and buildings22€147k€146k▼
Current assets29/58€120k€99k▼
Amounts receivable within one year40/41€10k€17k▲
Trade receivables40€3k€8k▲
Other amounts receivable41€7k€10k▲
Current investments50/53€0€50k▲
Cash at bank and in hand54/58€110k€32k▼
Deferred charges and accrued income490/1€655€450▼
Equity and liabilities
Total equity and liabilities10/49€267k€245k▼
Equity10/15€237k€222k▼
Contributions10/11€12k€12k=
Reserves13€225k€212k▼
Distributable reserves133€225k€212k▼
Profit (loss) carried forward14€0€-2k▼
Amounts payable17/49€30k€23k▼
Amounts payable within one year42/48€30k€23k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€80€4k▲
Suppliers440/4€80€4k▲
Taxes, remuneration and social security45€610€402▼
Taxes450/3€610€402▼
Other amounts payable47/48€29k€18k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1k€697▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€932€932=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€26k€-10k▼
Operating profit (loss)9901€21k€-15k▼
Financial income75/76B€4k€848▼
Recurring financial income75€4k€848▼
Financial charges65/66B€541€175▼
Recurring financial charges65€541€175▼
Profit (loss) for the period before taxes9903€25k€-14k▼
Income taxes67/77€9k€521▼
Profit (loss) for the period9904€16k€-15k▼
Profit (loss) for the period to be appropriated9905€16k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-15k▼
Transfer from equity791/2€25k€13k▼
Transfer to equity691/2€16k€0▼
To other reserves6921€16k€0▼
Profit to be distributed694/7€25k€0▼
Return on contributions (dividend)694€25k€0▼
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-15k ▼195%
Net result drops to €-15k, the lowest in the series.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €43k ▲28.1%
Operating result €66k, net result €43k, both a record.
31-12
Financial
Equity above €200kEq €228k ▲23.4%
3 profitable years in a row build equity to €228k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
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
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, Kasterlee · 1 establishment unit since 1984
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.
Baron Van der Grachtlaan 62460 KasterleeGround area
2,351 m²
Building footprint
212 m²
Volume, LiDAR
1,120 m³
Parcel 13017C0334/00Y000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TER LOO BVBA
since 19842.023.604.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017C0334/00Y000 | Flanders | 2,351 m² | 1 · 212 m² | 8.6 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
METIOR 3d measuring service
BE 0887.174.569
Lennik · Eq €222k
TOMME KATHLEEN
BE 0459.837.903
Herzele · Eq €223k
STUDIEBUREEL ARPYTEC
BE 0795.508.876
Hasselt · Eq €221k
STUDIEBUREAU VERHAEGHE
BE 0458.805.050
Jabbeke · Eq €220k
AJL-Metré
BE 0507.801.532
Ath · Eq €220k
Of 1,759 companies in sector 71122 we hold annual accounts for 770. 634 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1983
Fiscal year end31-12
Activities, NACEBEL
71122Land surveying
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.