TERA GROEP

Active

Private limited companyfounded 20178 yrs activeHulstersestraat(O) 207, 8710 Wielsbeke, BelgiumKBO/BCE: BE 0682.448.349

The computed 12-month bankruptcy probability of TERA GROEP is 2.0% (moderate). The 2025 annual accounts show equity of €155k and a net result of €12k. Its solvency ranks better than 45% of 469 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

53 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability71▼-8

Solvency52=

Growth52

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity short (current ratio 0.71 against 0.85 in 2024; short-term debt: 60.4% and cash: 11.2% of total assets), and 73.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 53

Relative position

BE, all sectors

reference

Sector 53

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

26.5%

Return on assets

Age of the figures

15 mo

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

3 d late

2024

4 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close17-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€155k▲ 8.2%

2024 · €143k

2024: €143k

2024 → 2025

Total assets

€582k▲ 9.6%

2024 · €531k

2024: €531k

2024 → 2025

Net result

€12k▼ 73.4%

2024 · €44k

2024: €44k

2024 → 2025

Working capital

€-102k▼ 132%

2024 · €-44k

2024: €-44k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€143k-€155k▲ 8.2%

Operating result€74k-€32k▼ 56.7%

Net result€44k-€12k▼ 73.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 57% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €582k

57.1%

42.9%

Fixed assets €333k▲ 19.7%

Current assets €250k▼ 1.5%

Equity and liabilities €582k

26.5%

73.5%

Equity €155k▲ 8.2%

Debt €428k▲ 10.1%

The debt ratio rises from 73.1% to 73.5%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€115k▼

2024 · €135k

Cash flow

€95k▼

2024 · €104k

Solvency

26.5%▼

2024 · 26.9%

Current ratio

0.71▼

2024 · 0.85

Quick ratio

0.71▼

2024 · 0.85

Debt / equity

2.77▲

2024 · 2.72

ROE

7.6%▼

2024 · 30.8%

ROA

2.0%▼

2024 · 8.3%

Interest coverage

12.43▼

2024 · 17.80

Debt

€428k▲

2024 · €388k

Debt ≤ 1 year

€351k▲

2024 · €297k

Debt > 1 year

€76k▼

2024 · €91k

Income taxes

€11k▼

2024 · €23k

Staff costs

€656k▲

2024 · €392k

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€531k€582k▲

Fixed assets21/28€278k€333k▲

Tangible fixed assets22/27€243k€296k▲

Plant, machinery and equipment23€14k€26k▲

Furniture and vehicles24€229k€270k▲

Financial fixed assets28€35k€37k▲

Current assets29/58€253k€250k▼

Amounts receivable within one year40/41€250k€160k▼

Trade receivables40€250k€160k▼

Cash at bank and in hand54/58€3k€65k▲

Deferred charges and accrued income490/1€302€24k▲

Equity and liabilities

Total equity and liabilities10/49€531k€582k▲

Equity10/15€143k€155k▲

Contributions10/11€1k€1k=

Reserves13€44k€54k▲

Distributable reserves133€44k€54k▲

Profit (loss) carried forward14€98k€100k▲

Amounts payable17/49€388k€428k▲

Amounts payable after more than one year17€91k€76k▼

Financial debts170/4€91k€76k▼

Amounts payable within one year42/48€297k€351k▲

Current portion of amounts payable after more than one year42€53k€80k▲

Trade debts44€91k€129k▲

Suppliers440/4€91k€129k▲

Advances received on contracts in progress46€11k-

Taxes, remuneration and social security45€120k€114k▼

Taxes450/3€71k€49k▼

Remuneration and social security454/9€48k€65k▲

Other amounts payable47/48€23k€29k▲

Income statement Code20242025

Remuneration, social security and pensions62€392k€656k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€83k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€27k

Other operating charges640/8€9k€32k▲

Gross operating margin9900€535k€830k▲

Operating profit (loss)9901€74k€32k▼

Financial income75/76B-€55

Recurring financial income75-€55

Financial charges65/66B€8k€9k▲

Recurring financial charges65€8k€9k▲

Profit (loss) for the period before taxes9903€67k€23k▼

Income taxes67/77€23k€11k▼

Profit (loss) for the period9904€44k€12k▼

Profit (loss) for the period to be appropriated9905€44k€12k▼

Appropriation of the result

Profit (loss) to be appropriated9906€142k€110k▼

Profit (loss) brought forward from the previous period14P€98k€98k▲

Transfer to equity691/2€44k€10k▼

To other reserves6921€44k€10k▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

03-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 3 days late

2025

30-06

Financial Equity above €150kEq €155k ▲8.2%

2 profitable years in a row build equity to €155k.

04-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 4 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Wielsbeke · 1 establishment unit since 2017

establishment The establishment unit on the map

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.

Hulstersestraat(O) 2078710 Wielsbeke

Ground area

695 m²

Building footprint

177 m²

Volume, LiDAR

706 m³

Parcel 37009A0593/00K002, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

TERA GROEP

Hulstersestraat(O) 207, 8710 WielsbekeFreight transport by road

since 20172.268.890.871

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
37009A0593/00K002	Flanders	695 m²	1 · 177 m²	5.8 m · 1 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

2022 to 2024 · 3 entries · 789 EUR awarded · 789 EUR paid

Year	Entries	awarded	paid
2024	1	47 EUR	94 EUR
2023	1	409 EUR	362 EUR
2022	1	333 EUR	333 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

3 entries · 789 EUR · 789 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Parcel delivery

Notified to the BIPT

since 14-10-2025

Similar companies · same sector, comparable size

Destelbergen · Eq €156k

Beveren-Kruibeke-Zwijndrecht · Eq €157k

FD DISTRIBUTION

BE 0543.600.767

Gerpinnes · Eq €157k

Of 4,908 companies in sector 53200 we hold annual accounts for 1,329. 970 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-10-2017

Fiscal year end30-06

Activities, NACEBEL

49410Freight transport by road

53200Other postal and courier activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.