TER ZIJDELING
ActiveTER ZIJDELING has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.39M and a net result of €4.24M. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-20
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €460k at 30 days acceptable
Liquidity ample (current ratio 5.43 against 37.8 in 2024; short-term debt: 14.5% and cash: 33.2% of total assets), and 14.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.4%
Return on assets
67.2%
Age of the figures
18 mo
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 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
9 d early
2023
7 d early
2022
on the day
2021
31 d early
2020
29 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.39M▲ 49.3%
2024 · €3.61M
2019: €2.98M
2020: €3.77M
2021: €3.85M
2022: €3.36M
2023: €3.44M
2024: €3.61M
2019 → 2025
Total assets
€6.31M▲ 72.2%
2024 · €3.66M
2019: €3.04M
2020: €3.79M
2021: €3.89M
2022: €3.44M
2023: €3.50M
2024: €3.66M
2019 → 2025
Net result
€4.24M▲ 2,348%
2024 · €173k
2019: €152k
2020: €791k
2021: €79k
2022: €22k
2023: €70k
2024: €173k
2019 → 2025
Working capital
€4.04M▲ 173%
2024 · €1.48M
2019: €914k
2020: €1.72M
2021: €1.82M
2022: €930k
2023: €1.03M
2024: €1.48M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.85M-€3.36M▼ 12.5%€3.44M▲ 2.1%€3.61M▲ 5.0%€5.39M▲ 49.3%
Operating result€116k-€28k▼ 76.0%€104k▲ 276%€246k▲ 135%€-13k
Net result€79k-€22k▼ 72.1%€70k▲ 217%€173k▲ 146%€4.24M▲ 2,348%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €246k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.31M
Fixed assets
€1.35M▼ 36.8%
Current assets
€4.95M▲ 226%
Equity and liabilities €6.31M
Equity
€5.39M▲ 49.3%
Provisions
€0▼ 100%
Debt
€919k▲ 2,174%
The debt ratio rises from 1.1% to 14.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€166k▼
2024 · €280k
Cash flow
€4.42M▲
2024 · €207k
Solvency
85.4%▼
2024 · 98.6%
Current ratio
5.43▼
2024 · 37.80
Quick ratio
5.43▼
2024 · 37.80
Debt / equity
0.17▲
2024 · 0.01
ROE
78.7%▲
2024 · 4.8%
ROA
67.2%▲
2024 · 4.7%
Interest coverage
0.65▼
2024 · 1777.41
Debt
€919k▲
2024 · €40k
Debt ≤ 1 year
€912k▲
2024 · €40k
Debt > 1 year
€3k
Income taxes
€444k▲
2024 · €87k
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€3.66M€6.31M▲
Fixed assets21/28€2.14M€1.35M▼
Tangible fixed assets22/27€167k€985k▲
Land and buildings22-€853k
Furniture and vehicles24€153k€120k▼
Other tangible fixed assets26€14k€12k▼
Financial fixed assets28€1.98M€369k▼
Current assets29/58€1.52M€4.95M▲
Amounts receivable after more than one year29€150k-
Other amounts receivable291€150k-
Amounts receivable within one year40/41€6k€120k▲
Trade receivables40-€102k
Other amounts receivable41€6k€19k▲
Current investments50/53€950k€2.74M▲
Cash at bank and in hand54/58€407k€2.09M▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€3.66M€6.31M▲
Equity10/15€3.61M€5.39M▲
Contributions10/11€1.34M€12k▼
Reserves13€2.26M€5.37M▲
Tax-exempt reserves132€163€163=
Distributable reserves133€2.26M€5.37M▲
Provisions and deferred taxes16€12k-
Provisions for liabilities and charges160/5€12k-
Pensions and similar obligations160€12k-
Amounts payable17/49€40k€919k▲
Amounts payable after more than one year17-€3k
Other amounts payable178/9-€3k
Amounts payable within one year42/48€40k€912k▲
Trade debts44€2k€11k▲
Suppliers440/4€2k€11k▲
Taxes, remuneration and social security45€27k€346k▲
Taxes450/3€27k€343k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€11k€555k▲
Accrued charges and deferred income492/3€280€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-13-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€179k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-12k
Other operating charges640/8€6k€3k▼
Gross operating margin9900€286k€157k▼
Operating profit (loss)9901€246k€-13k▼
Financial income75/76B€14k€4.95M▲
Recurring financial income75€14k€4.95M▲
Financial charges65/66B€158€255k▲
Recurring financial charges65€158€255k▲
Profit (loss) for the period before taxes9903€260k€4.68M▲
Income taxes67/77€87k€444k▲
Profit (loss) for the period9904€173k€4.24M▲
Profit (loss) for the period to be appropriated9905€173k€4.24M▲
Appropriation of the result
Profit (loss) to be appropriated9906€173k€4.24M▲
Transfer from equity791/2-€1.13M
Transfer to equity691/2€173k€4.24M▲
To other reserves6921€173k€4.24M▲
Profit to be distributed694/7-€1.13M
Return on contributions (dividend)694-€1.13M
The notes to these accounts (8 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €4.24M ▲2348%
Net result €4.24M, the highest in the series.
31-03
Financial
Equity above €5MEq €5.39M ▲49.3%
7 profitable years in a row build equity to €5.39M.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €22k ▼72.1%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Liquidity times 6current ratio 123.78
Current ratio from 20.44 to 123.78; short-term debt falls from €47k to €14k.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Diksmuide · 1 establishment unit since 2008
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.
Warmoesstraat(B) 98600 DiksmuideGround area
1.0 ha
Building footprint
313 m²
Volume, LiDAR
1,727 m³
Parcel 32001A0306/00L000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ter Zijdeling
since 20082.172.600.258
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32001A0306/00L000 | Flanders | 1.0 ha | 1 · 313 m² | 9.7 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 102 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 102 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500BDB7B9598AA885
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Of 5,691 companies in sector 70100 we hold annual accounts for 3,489. 1,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-2008
Fiscal year end31-03
Activities, NACEBEL
70100Activities of head offices
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.