Equity
€115,539 ▲ 75.4%
TERACONSTRUCT has made a profit in every financial year since 2023.
TERACONSTRUCT
Lifetime
3 annual accounts with figures on one time axispeak €67,982 (2025)
€67,982▲ 17.4%
peak €49,669 (2025)
€49,669▲ 20.1%
peak €115,539 (2025)
€115,539▲ 75.4%
€25,568▼ 62.6%
Board2 names since 2023
2 directorsANDRIE Constantin and 1 other
Documentsfilings and deeds
29-10-202690 days late
2025micro format
Gross margin from €57,916 to €67,982Equity from €65,870 to €115,539Debts from €68,330 to €25,568Cash from €65 to €9,585
Key points
from the 2025 annual accountsTurnover
≈ €290,000 estimated
The accounts state no turnover.
Liquidity
5.31 was 1.84 in 2024
Short-term debts fell from €68,330 to €25,568.
Filings
3 annual accounts 90 days
Latest accounts filed late: after the legal deadline.
Starting capital
€2,500 250 shares
Position in the sector
81.9%
Higher solvency than 87% of companies in specialised construction. Sector median 46.7% · 35,119 companies.
Checked score
55
Fair
Financially stronger than 80% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.5%
01-2025: 4.9%▲ +0.4 percentage points vs 12-2024
02-2025: 5.0%▲ +0.1 percentage points vs 01-2025
03-2025: 5.3%▲ +0.3 percentage points vs 02-2025
04-2025: 5.3%● unchanged vs 03-2025
05-2025: 5.2%▼ -0.1 percentage points vs 04-2025
06-2025: 5.2%● unchanged vs 05-2025
07-2025: 5.2%● unchanged vs 06-2025
08-2025: 5.9%▲ +0.7 percentage points vs 07-2025
09-2025: 6.1%▲ +0.2 percentage points vs 08-2025
10-2025: 5.1%▼ -1.0 percentage point vs 09-2025
11-2025: 5.1%● unchanged vs 10-2025
12-2025: 5.1%● unchanged vs 11-2025
01-2026: 5.1%● unchanged vs 12-2025
02-2026: 5.1%● unchanged vs 01-2026
03-2026: 5.1%● unchanged vs 02-2026
04-2026: 5.0%▼ -0.1 percentage points vs 03-2026
05-2026: 5.0%● unchanged vs 04-2026
06-2026: 5.0%● unchanged vs 05-2026
07-2026: 4.7%▼ -0.3 percentage points vs 06-2026
08-2026: 5.2%▲ +0.5 percentage points vs 07-2026
09-2026: 5.4%▲ +0.2 percentage points vs 08-2026
10-2026: 6.6%▲ +1.2 percentage points vs 09-2026highest value
11-2026: 2.4%▼ -4.2 percentage points vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €141,107
Last filed accounts filed 90 days late; 3 of the last 3 accounts late
Founded in 2023
lowers risk
Equity €115,539 (81.9% of total assets)
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 43, micro). It does better than 90% of them on solvency, 49% on liquidity, 92% on profitability and 88% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as TERACONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TERACONSTRUCT itself is higher: 2.4% within 12 months. It rests on far more data about TERACONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for TERACONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.31 (1.84 in 2024), above the usual 1.5. Short-term debt is 18.1% and cash 6.8% of total assets. 18.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 90 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-10-2026, 90 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
90 days late
2024
56 days late
2023
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 69 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 October (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- ANDRIE Constantin 125 sharesdeed of 03-02-2023
- BELBA Roxana-Florentina 125 sharesdeed of 03-02-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797911904
Incorporation
Founding capital of €2,500, 250 shares · Founders: ANDRIE Constantin and BELBA Roxana-Florentina · Appointments: ANDRIE Constantin (director) and BELBA Roxana-Florentina (director) · published on 03-02-2023 · Gazette deed
First establishment
Aristide Briandlaan 6, Anderlecht
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TERACONSTRUCT Sambreville | €141,107 | €67,982 | 81.9% | - |
| Jouay Construct Walcourt | €110,452 | €75,324 | 67.5% | - |
| TUTOGLU Ghent | €162,540 | €68,587 | 68.4% | - |
| EYCKMANS WERKEN Leopoldsburg | €130,337 | €81,066 | 11.1% | - |
| AJC TERRASSEMENT Kraainem | €117,876 | €68,306 | 39.1% | - |
| Bee Safe Liège | €170,221 | €71,047 | 8.3% | - |
| Verschaeren Projects Boortmeerbeek | €115,250 | €65,249 | 27.6% | - |
These companies have the same main activity as TERACONSTRUCT: site preparation (NACE 43120). They are comparable in size and age: total assets between €110,000 and €170,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 01-02-2023Normal situation
- Activity
- Site preparationNACE 43120and 2 others
- Establishment unit
- 2.341.360.1651070 Anderlecht, since 01-02-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 12-01-2026
Insights on TERACONSTRUCT
TERACONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €29,389 in 2023 to €67,982 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TERACONSTRUCT
- What is the company number of TERACONSTRUCT?
- The company number of TERACONSTRUCT is 0797.911.904. The VAT number is the same number with BE in front: BE 0797.911.904.
- Where is TERACONSTRUCT based?
- The registered office is at Rue François Sarteel 199, 5060 Sambreville.Company details
- What does TERACONSTRUCT do?
- According to the KBO register, the main activity is site preparation (NACE 43120).
- What is the legal form of TERACONSTRUCT?
- TERACONSTRUCT is a private limited company (BV).
- When was TERACONSTRUCT founded?
- TERACONSTRUCT was founded on 01-02-2023.
- Is TERACONSTRUCT still active?
- Yes, TERACONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of TERACONSTRUCT?
- The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €67,982 and 34 comparable companies (NACE 431). It probably lies between €200,000 and €490,000. In financial year 2023 turnover was €555,243.Financials
- Is TERACONSTRUCT profitable?
- In financial year 2025, TERACONSTRUCT made a profit of €49,669.
- Where can I find the annual accounts of TERACONSTRUCT?
- TERACONSTRUCT filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TERACONSTRUCT due?
- TERACONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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