TER SCHROEVEN
ActiveSummary
TER SCHROEVEN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €196,150 and a net result of €1,186. Equity is growing by ~8.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability69=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 4.04 against 3.29 in 2023; short-term debt: 14.6% and cash: 40.3% of total assets), and 14.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
34 d early
2023
41 d early
2022
32 d early
2021
32 d early
2020
44 d early
2019
26 d late
← 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 29 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
In the rankings
#9 oldest company in Hamme, Accommodation and food service sector#10 company by equity in Hamme, Accommodation and food service sector
Equity
€196,150▲ 0.6%
2023 · €194,964
Total assets
€229,726▲ 0.2%
2023 · €229,313
Net result
€1,186▲ 89.3%
2023 · €626
Working capital
€101,757▲ 29.6%
2023 · €78,511
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€18,400€37,864▲ 106%€26,490▼ 30.0%€1,665▼ 93.7%€1,710▲ 2.7%
Net result€14,844within the sector's middle half€31,404above the sector's middle half▲ 112%€17,983within the sector's middle half▼ 42.7%€626within the sector's middle half▼ 96.5%€1,186within the sector's middle half▲ 89.3%
Equity€144,951above the sector's middle half▲ 11.4%€176,355above the sector's middle half▲ 21.7%€194,338above the sector's middle half▲ 10.2%€194,964above the sector's middle half▲ 0.3%€196,150above the sector's middle half▲ 0.6%
Total assets€173,531within the sector's middle half▼ 9.5%€219,710within the sector's middle half▲ 26.6%€228,873within the sector's middle half▲ 4.2%€229,313within the sector's middle half▲ 0.2%€229,726within the sector's middle half▲ 0.2%
Debt€28,579▼ 53.6%€43,356▲ 51.7%€34,535▼ 20.3%€34,348▼ 0.5%€33,576▼ 2.2%
Working capital€46,530above the sector's middle half▲ 109%€78,146above the sector's middle half▲ 67.9%€70,743above the sector's middle half▼ 9.5%€78,511above the sector's middle half▲ 11.0%€101,757above the sector's middle half▲ 29.6%
Solvency83.5%above the sector's middle half▲ 15.7pp80.3%above the sector's middle half▼ 3.3pp84.9%above the sector's middle half▲ 4.6pp85.0%above the sector's middle half▲ 0.1pp85.4%above the sector's middle half▲ 0.4pp
Current ratio3.14above the sector's middle half▲ 1.643.05above the sector's middle half▼ 0.093.23above the sector's middle half▲ 0.183.29above the sector's middle half▲ 0.064.04above the sector's middle half▲ 0.75
Return on assets (ROA)8.6%within the sector's middle half▲ 11.3pp14.3%within the sector's middle half▲ 5.7pp7.9%within the sector's middle half▼ 6.4pp0.3%within the sector's middle half▼ 7.6pp0.5%within the sector's middle half▲ 0.2pp
Staff (FTE)1.8within the sector's middle half▼ 45.5%4.9▲ 172%9.3▲ 89.8%8.5▼ 8.6%9.1▲ 7.1%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 3% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €229,726
Fixed assets
€94,510 ▼ 18.9%
Current assets
€135,216 ▲ 19.8%
Equity and liabilities €229,726
Equity
€196,150 ▲ 0.6%
Debt
€33,576 ▼ 2.2%
Debt's share of the balance-sheet total falls from 15.0% to 14.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30,002▲
2023 · €28,010
Cash flow
€29,478▲
2023 · €26,971
Quick ratio
3.68▲
2023 · 2.93
Debt to equity
0.17▼
2023 · 0.18
ROE
0.6%▲
2023 · 0.3%
Interest coverage
19.40▲
2023 · 16.54
Debt ≤ 1 year
€33,459▼
2023 · €34,327
Income taxes
€478▲
2023 · €24
Staff costs
€40,121▲
2023 · €39,900
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1,240 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €28,009 | €40,167 | €39,900 | €40,121 | ▲ 0.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,139 | €27,653 | €23,167 | €26,345 | €28,292 | ▲ 7.4% |
| Other operating charges640/8 | - | €1,727 | €2,075 | €2,265 | €2,338 | ▲ 3.2% |
| Gross operating margin9900 | €74,345 | €95,254 | €91,899 | €70,175 | €72,461 | ▲ 3.3% |
| Operating profit (loss)9901 | €18,400 | €37,864 | €26,490 | €1,665 | €1,710 | ▲ 2.7% |
| Financial income75/76B | - | €408 | €371 | €678 | €1,501 | ▲ 121% |
| Recurring financial income75 | €291 | €408 | €371 | €678 | €1,501 | ▲ 121% |
| Financial charges65/66B | - | €2,217 | €4,723 | €1,693 | €1,547 | ▼ 8.6% |
| Recurring financial charges65 | €2,368 | €2,217 | €4,723 | €1,693 | €1,547 | ▼ 8.6% |
| Profit (loss) for the period before taxes9903 | €16,324 | €36,055 | €22,139 | €650 | €1,664 | ▲ 156% |
| Income taxes67/77 | €1,480 | €4,651 | €4,156 | €24 | €478 | ▲ 1,933% |
| Profit (loss) for the period9904 | €14,844 | €31,404 | €17,983 | €626 | €1,186 | ▲ 89.3% |
| Profit (loss) for the period to be appropriated9905 | €14,844 | €31,404 | €17,983 | €626 | €1,186 | ▲ 89.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €173,531 | €219,710 | €228,873 | €229,313 | €229,726 | ▲ 0.2% |
| Fixed assets21/28 | €105,287 | €103,467 | €126,423 | €116,475 | €94,510 | ▼ 18.9% |
| Tangible fixed assets22/27 | €105,287 | €103,467 | €126,423 | €116,475 | €94,510 | ▼ 18.9% |
| Land and buildings22 | - | €35,511 | €32,285 | €29,058 | €25,842 | ▼ 11.1% |
| Plant, machinery and equipment23 | - | €60,345 | €86,008 | €81,509 | €64,983 | ▼ 20.3% |
| Furniture and vehicles24 | - | €7,611 | €8,131 | €5,908 | €3,685 | ▼ 37.6% |
| Current assets29/58 | €68,244 | €116,243 | €102,450 | €112,838 | €135,216 | ▲ 19.8% |
| Stocks and contracts in progress3 | €9,138 | €10,867 | €14,125 | €12,211 | €12,030 | ▼ 1.5% |
| Stocks30/36 | - | €10,867 | €14,125 | €12,211 | €12,030 | ▼ 1.5% |
| Amounts receivable within one year40/41 | €18,313 | €12,269 | €14,455 | €23,686 | €29,218 | ▲ 23.4% |
| Trade receivables40 | - | - | €100 | - | - | - |
| Other amounts receivable41 | - | €12,269 | €14,355 | €23,686 | €29,218 | ▲ 23.4% |
| Cash at bank and in hand54/58 | €40,175 | €90,847 | €73,634 | €71,491 | €92,635 | ▲ 29.6% |
| Deferred charges and accrued income490/1 | - | €2,261 | €236 | €5,450 | €1,332 | ▼ 75.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €173,531 | €219,710 | €228,873 | €229,313 | €229,726 | ▲ 0.2% |
| Equity10/15 | €144,951 | €176,355 | €194,338 | €194,964 | €196,150 | ▲ 0.6% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €126,351 | €157,755 | €175,738 | €176,364 | €177,550 | ▲ 0.7% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | - | - | - |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | - | - | - |
| Tax-exempt reserves132 | - | €4,699 | €4,699 | €4,699 | €4,699 | = |
| Distributable reserves133 | - | €151,197 | €169,180 | €171,666 | €172,851 | ▲ 0.7% |
| Profit (loss) carried forward14 | €37,680 | - | - | - | - | - |
| Amounts payable17/49 | €28,579 | €43,356 | €34,535 | €34,348 | €33,576 | ▼ 2.2% |
| Amounts payable after more than one year17 | €6,865 | €5,258 | €1,558 | - | - | - |
| Financial debts170/4 | - | €5,258 | €1,558 | - | - | - |
| Amounts payable within one year42/48 | €21,714 | €38,098 | €31,707 | €34,327 | €33,459 | ▼ 2.5% |
| Current portion of amounts payable after more than one year42 | - | €11,144 | €4,964 | €2,832 | €1,276 | ▼ 54.9% |
| Trade debts44 | €1,579 | €7,191 | €6,296 | €8,907 | €7,549 | ▼ 15.2% |
| Suppliers440/4 | - | €7,191 | €6,296 | €8,907 | €7,549 | ▼ 15.2% |
| Advances received on contracts in progress46 | - | €8,481 | €8,943 | €10,038 | €10,629 | ▲ 5.9% |
| Taxes, remuneration and social security45 | - | €8,365 | €9,685 | €10,650 | €12,014 | ▲ 12.8% |
| Taxes450/3 | - | €3,361 | €3,871 | €4,096 | €6,266 | ▲ 53.0% |
| Remuneration and social security454/9 | - | €5,005 | €5,814 | €6,554 | €5,748 | ▼ 12.3% |
| Other amounts payable47/48 | - | €2,917 | €1,820 | €1,900 | €1,990 | ▲ 4.7% |
| Accrued charges and deferred income492/3 | - | - | €1,270 | €22 | €118 | ▲ 447% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,844 | €31,404 | €17,983 | €626 | €1,186 | ▲ 89.3% |
| + Depreciation and write-downs630 | €26,139 | €27,653 | €23,167 | €26,345 | €28,292 | ▲ 7.4% |
| Operating cash flow (approximation) | €40,982 | €59,057 | €41,150 | €26,971 | €29,478 | ▲ 9.3% |
| Investment in fixed assets (approximation) | - | -€25,834 | -€46,123 | -€16,397 | -€6,328 | ▲ 61.4% |
| Change in cash | - | €50,672 | -€17,213 | -€2,143 | €21,145 | ▲ 1,087% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €31,404 ▲112%
Operating result €37,864, net result €31,404, both a record.
31-12
Financial
Equity above €150,000Eq €176,355 ▲21.7%
2 profitable years in a row build equity to €176,355.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €14,844
Net result €14,844 after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.14
Current ratio from 1.50 to 3.14; short-term debt falls from €44,747 to €21,714.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet -€5,325
Net result drops to -€5,325, the lowest in the series; recovery starts the following year.
Show earlier events
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Hamme (Vl.) · 1 establishment unit since 1996
Ground area
2,871 m²
Building footprint
390 m²
Volume, LiDAR
2,180 m³
Parcel 42452C0486/00K000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TER SCHROEVEN
since 19962.077.826.607
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0486/00K000 | Flanders | 2,871 m² | 1 · 390 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHamme (O.-Vl.)2.077.826.607
Dual-learning approval
3 endedHulpkok (so)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
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Of 20,509 companies in sector 56111 we hold annual accounts for 11,467. 8,600 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-12-1995
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456887222
Also
9925:BE0456887222
Registered
20-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.