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TERACOM.

Active
Private limited company (pre-2019)founded 200026 yrs activeChaussée de Nivelles(TX) 239, 5020 Namur, BelgiumKBO/BCE: BE 0471.998.139
Summary

TERACOM. has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€3,809) and a net result of -€66. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 12% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability35=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 159.7% and cash: 0.7% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-59.7%
Return on assets
-1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 26 years 0 30 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€3,809
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
on the day
2023
24 d early
2022
24 d early
2021
29 d late
2020
26 d late
2019
59 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 9 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

TERACOM. was incorporated on 26 May 2000.1 Total assets went from EUR 6,638 in 2018 to EUR 6,383 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€66▼ 3.1%
2024 · -€64
Working capital
-€10,145▼ 0.7%
2024 · -€10,079
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result-€329▼ 357%-€76▲ 76.9%-€63▲ 17.1%-€64▼ 1.6%-€66▼ 3.1%
Net result-€329below the sector's middle half▼ 357%-€76within the sector's middle half▲ 76.9%-€63within the sector's middle half▲ 17.1%-€64within the sector's middle half▼ 1.6%-€66within the sector's middle half▼ 3.1%
Equity-€3,540below the sector's middle half▼ 10.2%-€3,616below the sector's middle half▼ 2.1%-€3,679below the sector's middle half▼ 1.7%-€3,743below the sector's middle half▼ 1.7%-€3,809below the sector's middle half▼ 1.8%
Total assets€6,383below the sector's middle half▼ 3.8%€6,383below the sector's middle half=€6,383below the sector's middle half=€6,383below the sector's middle half=€6,383below the sector's middle half=
Debt€9,923▲ 0.8%€9,999▲ 0.8%€10,062▲ 0.6%€10,126▲ 0.6%€10,192▲ 0.7%
Working capital-€9,876below the sector's middle half▼ 3.4%-€9,952within the sector's middle half▼ 0.8%-€10,015within the sector's middle half▼ 0.6%-€10,079within the sector's middle half▼ 0.6%-€10,145within the sector's middle half▼ 0.7%
Solvency-55.5%below the sector's middle half▼ 7.1pp-56.7%below the sector's middle half▼ 1.2pp-57.6%below the sector's middle half▼ 1.0pp-58.6%below the sector's middle half▼ 1.0pp-59.7%below the sector's middle half▼ 1.0pp
Current ratio0.00below the sector's middle half▼ 0.030.00below the sector's middle half=0.00below the sector's middle half=0.00below the sector's middle half=0.00below the sector's middle half=
Return on assets (ROA)-5.2%below the sector's middle half▼ 4.1pp-1.2%within the sector's middle half▲ 4.0pp-1.0%within the sector's middle half▲ 0.2pp-1.0%within the sector's middle half=-1.0%within the sector's middle half=
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€400-€300-€200-€100€0Operating result 2021: -€329-€329Net result 2021: -€329-€329Operating result 2022: -€76-€76Net result 2022: -€76-€76Operating result 2023: -€63-€63Net result 2023: -€63-€63Operating result 2024: -€64-€64Net result 2024: -€64-€64Operating result 2025: -€66-€66Net result 2025: -€66-€6620212022202320242025-€80-€60-€40-€20€0Operating result 2023: -€63-€63Net result 2023: -€63-€63Operating result 2024: -€64-€64Net result 2024: -€64-€64Operating result 2025: -€66-€66Net result 2025: -€66-€66202320242025
The operating result stays negative: a loss of €66 in 2025 against €64 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5,978
Fixed assets €5,931 =
Current assets €47 =
Key figures and ratios
2025 value · change against 2024
Debt to equity
-2.68▲
2024 · -2.71
Debt ≤ 1 year
€10,192▲
2024 · €10,126
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,799 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a small loss
1.9% went bankrupt
5.9% stopped otherwise
90% still going

A further 2.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 2,799 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 24 lines
Balance sheet Code20242025
Assets
Total assets20/58€6,383€6,383=
Formation expenses20€405€405=
Fixed assets21/28€5,931€5,931=
Intangible fixed assets21€4,789€4,789=
Tangible fixed assets22/27€1,142€1,142=
Plant, machinery and equipment23€1,142€1,142=
Current assets29/58€47€47=
Cash at bank and in hand54/58€47€47=
Equity and liabilities
Total equity and liabilities10/49€6,383€6,383=
Equity10/15-€3,743-€3,809▼
Contributions10/11€18,600€18,600=
Outside capital11€18,600-
Other1109/19€18,600-
Profit (loss) carried forward14-€22,343-€22,409▼
Amounts payable17/49€10,126€10,192▲
Amounts payable within one year42/48€10,126€10,192▲
Other amounts payable47/48€10,126€10,192▲
Income statement Code20242025
Gross operating margin9900-€64-€66▼
Operating profit (loss)9901-€64-€66▼
Profit (loss) for the period before taxes9903-€64-€66▼
Profit (loss) for the period9904-€64-€66▼
Profit (loss) for the period to be appropriated9905-€64-€66▼
Appropriation of the result
Profit (loss) to be appropriated9906-€22,343-€22,409▼
Profit (loss) brought forward from the previous period14P-€22,279-€22,343▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8€256-----
Gross operating margin9900-€73-€76-€63-€64-€66▼ 3.1%
Operating profit (loss)9901-€329-€76-€63-€64-€66▼ 3.1%
Profit (loss) for the period before taxes9903-€329-€76-€63-€64-€66▼ 3.1%
Profit (loss) for the period9904-€329-€76-€63-€64-€66▼ 3.1%
Profit (loss) for the period to be appropriated9905-€329-€76-€63-€64-€66▼ 3.1%
Line20212022202320242025Change
Assets
Total assets20/58€6,383€6,383€6,383€6,383€6,383=
Formation expenses20€405€405€405€405€405=
Fixed assets21/28€5,931€5,931€5,931€5,931€5,931=
Intangible fixed assets21€4,789€4,789€4,789€4,789€4,789=
Tangible fixed assets22/27€1,142€1,142€1,142€1,142€1,142=
Plant, machinery and equipment23€1,142€1,142€1,142€1,142€1,142=
Current assets29/58€47€47€47€47€47=
Cash at bank and in hand54/58€47€47€47€47€47=
Equity and liabilities
Total equity and liabilities10/49€6,383€6,383€6,383€6,383€6,383=
Equity10/15-€3,540-€3,616-€3,679-€3,743-€3,809▼ 1.8%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Capital10€18,600-----
Issued capital100€18,600-----
Outside capital11-€18,600€18,600€18,600--
Other1109/19-€18,600€18,600€18,600--
Profit (loss) carried forward14-€22,140-€22,216-€22,279-€22,343-€22,409▼ 0.3%
Amounts payable17/49€9,923€9,999€10,062€10,126€10,192▲ 0.7%
Amounts payable within one year42/48€9,923€9,999€10,062€10,126€10,192▲ 0.7%
Trade debts44€146-----
Suppliers440/4€146-----
Other amounts payable47/48€9,777€9,999€10,062€10,126€10,192▲ 0.7%
Line20212022202320242025Change
Profit (loss) for the period9904-€329-€76-€63-€64-€66▼ 3.1%
Operating cash flow (approximation)-€329-€76-€63-€64-€66▼ 3.1%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash-€0€0€0€0-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
07-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial Weakest financial yearnet -€329
Net result drops to -€329, the lowest in the series; recovery starts the following year.
26-08
NBB filing Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
28-09
NBB filing Annual accounts filed
fiscal year 2019 · full schema · 59 days late
2019
26-08
NBB filing Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
28-08
NBB filing Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
10-08
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2000
seat establishment The establishment unit on the map
Ground area
5,923 m²
Building footprint
125 m²
Volume, LiDAR
1,047 m³
Parcel 92123C0307/00H000, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Nivelles(FW) 239, 5020 Namur
Air transport
since 20002.096.626.294
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92123C0307/00H000 Wallonia 5,923 m² 1 · 125 m² 10.2 m · 3 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.

Structure & network

Owners and holdings

1 owner

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 12,955 companies in sector 47120 we hold annual accounts for 2,193. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded26-05-2000
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.