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Ter-Urbanism

Active
Private limited companyfounded 2024active for 2 yearsPhoenixstraat 61, 9000 Gent, BelgiumKBO/BCE: BE 1008.866.019

From the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette

Summary

Ter-Urbanism has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,421 and a net result of €15,421. Its solvency ranks better than 38% of 11,760 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 26-04-2024 Normal situation
Activity
Urban planning and landscape architecture NACE 71113and 1 other
Establishment unit
2.359.857.372 9000 Gent, since 26-04-2024
Financial year end
31 December
Peppol
Reachable since 26-11-2025

Board and ownership

Board

Financial position

95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€21,324
Turnover
≈ €110,000
estimated
Profit
€15,421
Equity
€20,421
Total assets
€49,525
Filed on 02-06-2026, 59 days before the deadlineat the National Bank
Score breakdownraises riskFounded in 2024lowers riskSector: Architectural and engineering activities; technical testing and analysis (NACE 71)Liquidity: current ratio 1.70, cash €18,062Figures for financial year 2025 (filed on 02-06-2026)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 60% of micro companies in architecture and engineering (NACE 71)
Financial strength
Strong
Solvency 66
equity 41.2% of total assets
Liquidity 65
short-term debt 58.8% · cash 36.5%
Profitability 100
return on assets 31.1%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (14,826 companies, NACE 71, micro)
Last 24 months 05-2025: 0.5% 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.6%▲ +0.1 percentage points vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.7%▲ +0.1 percentage points vs 12-2025 02-2026: 0.6%▼ -0.1 percentage points vs 01-2026 03-2026: 0.7%▲ +0.1 percentage points vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.8%▲ +0.1 percentage points vs 04-2026highest value 06-2026: 0.8%● unchanged vs 05-2026highest value 07-2026: 0.1%▼ -0.7 percentage points vs 06-2026lowest value 08-2026: 0.1%● unchanged vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.7, above the usual 1.5. Short-term debt is 58.8% and cash 36.5% of total assets. However, 58.8% of the assets are financed with debt and provisions.
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 71, micro). It does better than 39% of them on solvency, 53% on liquidity and 88% on profitability.

The bankruptcy probability was computed on 31-10-2026 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. 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

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
lowers risk · Liquidity: current ratio 1.70, cash €18,062
NBB · annual accounts
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 02-06-2026)
NBB · annual accounts
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 02-06-2026, 59 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
59 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Comparable companies

These companies have the same main activity as Ter-Urbanism: urban planning and landscape architecture (NACE 71113). They are comparable in size and age: total assets between €43,300 and €64,000, founded between 2023 and 2024.

CompanyTotal assetsGross margin
Ter-Urbanism Gent€49,525€21,324
MDR Invest Laarne€50,416€24,247
KIND Charleroi€55,058€19,901
Duforma Oudenaarde€64,038€29,278
EVOLAP Ukkel€43,323€18,889
TUINKABINET Mechelen€52,330€34,323
Bezenbos Elsene€48,689€12,728
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Ter-Urbanism

What is the company number of Ter-Urbanism?
The company number of Ter-Urbanism is 1008.866.019. The VAT number is the same number with BE in front: BE 1008.866.019.
Where is Ter-Urbanism based?
The registered office is at Phoenixstraat 61, 9000 Gent.Company details
What does Ter-Urbanism do?
According to the KBO register, the main activity is urban planning and landscape architecture (NACE 71113).
What is the legal form of Ter-Urbanism?
The legal form of Ter-Urbanism is Private limited company (BV).
When was Ter-Urbanism founded?
Ter-Urbanism was founded on 26-04-2024.
Is Ter-Urbanism still active?
Yes, Ter-Urbanism is an active enterprise in the KBO register.
What is the turnover of Ter-Urbanism?
The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €21,324 and 94 comparable companies (NACE 711). It probably lies between €66,000 and €220,000. It is a rough estimate.Financials
Is Ter-Urbanism profitable?
In financial year 2025, Ter-Urbanism made a profit of €15,421.
Where can I find the annual accounts of Ter-Urbanism?
Ter-Urbanism filed 1 annual account with the National Bank of Belgium, for financial year 2025.Annual accounts at the National Bank

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