TER STEENE
ActiveSummary
TER STEENE has been active since 1988 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.9m and a net result of €163,614. Equity has been stable since 2018 (±0% per year). Its solvency ranks better than 90% of 5,039 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Official details
Source: KBO- Status
- Active since 15-06-1988 Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 1 other
- Joint committee
- 200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2024
- Establishment unit
- 2.039.905.545 8400 Oostende, since 31-08-1988
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Board and ownership
- SPEGELAERE BRUGGEManaging director · permanent representative Filip SPEGELAERE
- SPEGELAERE MANAGEMENTManaging director · permanent representative Frederik SPEGELAERE
- Auditor
- VRC BEDRIJFSREVISOREN
- Vermeire Consulting NV99.2%· score 98annual accounts 2019
- Immo Spegelaere BVconsolidatesannual accounts 2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
- Turnover
- €15.5m
- ▼ 18.1%
- Profit
- €163,614
- Equity
- €2.9m
- ▲ 27.4%
- Total assets
- €3.6m
- ▼ 56.4%
- Employees on 31-12-2025
- 0
- ▼ 100%
Score breakdownraises riskLiquidity: current ratio 1.89, cash €28,362lowers riskFounded in 1988Equity €2.9m (81.4% of total assets)Profit of €163,614 (financial year 2025)Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 92% of them on solvency, 55% on liquidity, 40% on profitability and 49% on growth.
The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 49 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Key points
Recent changes
- · Gazette deed Resignation: NV Vermeire Consulting (director)Appointments: SPEGELAERE BRUGGE (director) and SPEGELAERE MANAGEMENT (director) · Permanent representatives: Filip SPEGELAERE and Frederik SPEGELAERE
- · Gazette deed Capital & shares · Amendment of the articles · Miscellaneous
- · Gazette deed Reappointment: VRC Bedrijfsrevisoren BV (statutory auditor)Permanent representative: Francis VERMEIRE
Comparable companies
These companies have the same main activity as TER STEENE: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €2.4m and €5.1m, founded between 1980 and 2000.
| Company | Total assets | Turnover |
|---|---|---|
| TER STEENE Oostende | €3.6m | €15.5m |
| AUTOBEDRIJF DECLEIR Torhout | €3.2m | €12.4m |
| VEURNE AUTO Veurne | €5.1m | €16.4m |
| TOP MOTORS KORTRIJK Kortrijk | €4.9m | €15.9m |
| AUTOPRECISION La Louvière | €2.4m | €10.8m |
| GARAGE DU ROND-POINT Fleurus | €2.6m | €10.7m |
| Aldo Garage Mons | €4.4m | €12.5m |
Key facts about TER STEENE
- What is the company number of TER STEENE?
- The company number of TER STEENE is 0434.618.891. The VAT number is the same number with BE in front: BE 0434.618.891.
- Where is TER STEENE based?
- The registered office is at Torhoutsesteenweg 704, 8400 Oostende.Company details
- What does TER STEENE do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of TER STEENE?
- The legal form of TER STEENE is Public limited company (NV).
- When was TER STEENE founded?
- TER STEENE was founded on 15-06-1988.
- Is TER STEENE still active?
- Yes, TER STEENE is an active enterprise in the KBO register.
- How many employees does TER STEENE have?
- TER STEENE had an average of 9.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does TER STEENE fall under?
- In its 2024 annual accounts, TER STEENE states joint committee 200 (Aanvullend Paritair Comité voor de bedienden).
- What is the turnover of TER STEENE?
- The turnover of TER STEENE was €15.5m in financial year 2025, according to the filed annual accounts.
- Is TER STEENE profitable?
- In financial year 2025, TER STEENE made a profit of €163,614.
- Where can I find the annual accounts of TER STEENE?
- TER STEENE filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TER STEENE due?
- TER STEENE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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