Turnover
≈ €150,000 estimated
The micro format states no turnover.
Terafex
Overview
Lifetime
1 annual account with figurespeak €80,094 (2025)
€80,094
peak €56,498 (2025)
€56,498
peak €59,498 (2025)
€59,498
€35,754
Board1 name since 2024
1 directorVANHAELEWIJCK Wout
Documentsfilings and deeds
23-06-202638 days before the deadline
2025micro format
Registered office moved from Leuven to Mechelen 24-10First year with figures
Key points
from the 2025 annual accountsStarting capital
€3,000 100 shares
Checked score
96
Excellent
Financially stronger than 68% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 0.4%
11-2025: 0.7%▲ +0.3 percentage points vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.8%▲ +0.1 percentage points vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.9%▲ +0.1 percentage points vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 1.0%▲ +0.1 percentage points vs 05-2026
07-2026: 1.0%● unchanged vs 06-2026
08-2026: 1.0%● unchanged vs 07-2026
09-2026: 1.1%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.1%▼ -1.0 percentage point vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 1.97, cash €50,753
Equity €59,498 (62.5% 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 62, micro). It does better than 55% of them on solvency, 67% on liquidity and 82% on profitability.
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 very low class on 30-06-2025, 0.1% 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 Terafex 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 Terafex itself is lower: 0.1% within 12 months. It rests on far more data about Terafex 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 Terafex. 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 €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.97, above the usual 1.5. Short-term debt is 37.5% and cash 53.3% of total assets. 37.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 23-06-2026, 38 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
38 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered office moved from Leuven to Mechelen
New registered office: Auwegemvaart 36/102, 2800 Mechelen · Previous registered office: Edelzangerslaan 36 bus 402, 3010 Leuven · Board meeting of 01-09-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1013499352
Incorporation
Founding capital of €3,000, 100 shares · Founder: VANHAELEWIJCK Wout · Appointment: VANHAELEWIJCK Wout (director) · published on 16-09-2024 · Gazette deed
First establishment
Auwegemvaart 36, Mechelen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Terafex Mechelen | €95,252 | €80,094 | 62.5% | - |
| Adriaan Barri Mechelen | €97,522 | €76,629 | 57.5% | - |
| Altika Mechelen | €105,216 | €72,931 | 79.4% | - |
| GROUP METRON Beerse | €96,017 | €82,149 | 78.9% | - |
| Clarity by Hageman Antwerp | €103,104 | €82,097 | 38.4% | - |
| Marenx Consulting Essen | €90,455 | €74,436 | 80.1% | - |
| JOHN Antwerp | €86,918 | €75,770 | 72.1% | - |
These companies have the same main activity as Terafex: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €86,900 and €105,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 12-09-2024Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.364.019.0682800 Mechelen, since 12-09-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 29-11-2024
Annual accounts 2025
- €80,094
- €56,498
- €59,498
- €95,252
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on Terafex
Terafex has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59,498 and a net result of €56,498.
Its solvency ranks better than 53% of 21,206 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 23-06-2026, 38 days before the deadline€80,094
€71,204
€56,498
€34,858
62.5%
1.97
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €150,000. Estimated: probably between €140,000 and €200,000.
Balance sheet
balance sheet total €95,252 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
62.5%
Higher than 53% of 21,206 companies in 2025.
1.97
Higher than 42% of 20,569 companies in 2025.
59.3%
Higher than 90% of 20,744 companies in 2025.
Terafex
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
95,252 | |
21/28 |
24,640 | |
22/27 |
24,640 | |
23 |
2,315 | |
24 |
22,325 | |
29/58 |
70,612 | |
40/41 |
17,855 | |
40 |
17,855 | |
54/58 |
50,753 | |
490/1 |
2,004 | |
| Balance sheet: equity and liabilities | ||
10/49 |
95,252 | |
10/15 |
59,498 | |
10/11 |
3,000 | |
13 |
56,498 | |
133 |
56,498 | |
17/49 |
35,754 | |
42/48 |
35,754 | |
43 |
159 | |
430/8 |
159 | |
44 |
74 | |
440/4 |
74 | |
45 |
20,265 | |
450/3 |
20,265 | |
47/48 |
15,257 | |
| Income statement | ||
9900 |
80,094 | |
630 |
8,250 | |
640/8 |
640 | |
9901 |
71,204 | |
75/76B |
15 | |
75 |
15 | |
65/66B |
228 | |
65 |
228 | |
9903 |
70,991 | |
67/77 |
14,493 | |
9904 |
56,498 | |
9905 |
56,498 | |
| Appropriation of the result | ||
9906 |
56,498 | |
691/2 |
56,498 | |
6921 |
56,498 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 23-06-2026 | 2026-00192556 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 79,454 | ||
| 64,748 | ||
| 32,890 | ||
| 34,858 | ||
| 62.5% | ||
| 1.97 | ||
| 0.60 | ||
| 95.0% | ||
| 59.3% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €32,890 |
| €8,250 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Terafex
Debt's share of the balance-sheet total is 37.5%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 16-09-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 23-06-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 16-09-2024
Mandates through the years
1 name, the dashed line is todayVANHAELEWIJCK Wout
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- VANHAELEWIJCK Wout
- Director (not named in the articles), appointed by deed of 16-09-2024, still in office
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €595 in 2025
- Source
- deed of 16-09-2024
Articles of association
deed of 16-09-2024 (in Dutch)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 June at 20:00
Shareholders
At incorporation
deed of 16-09-2024 ↗
- VANHAELEWIJCK Wout 100 shares (100%) · €3,000 in cash
Network & group
No group
Terafex has no parent and no holdings in its annual accounts. VANHAELEWIJCK Wout is the only director. Terafex shares no director with another company.
At the same address
Auwegemvaart 36, 2800 Mechelen · 2 other companies| Stratier
registered office since 24-10-2014 · founded in 2014 |
total assets €930,210 (2025) 0565.940.164 |
| Vereniging van Mede-eigenaars van het appartementsgebouw te Mechelen, Auwegemvaart 36-40
registered office since 01-08-1995 |
founded in 1995 0829.408.891 |
Timeline
Timeline
5 events since 2024Filings
Establishments
Address
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 38 days before the deadline
2025
Registered office moved from Leuven to MechelenNew registered office: Auwegemvaart 36/102, 2800 Mechelen · Previous registered office: Edelzangerslaan 36 bus 402, 3010 Leuven · Board meeting of 01-09-20252 points ▸
- Board meeting, 01-09-2025
- Registered-office move, Auwegemvaart 36/102, 2800 Mechelen
2024
Registered in the Peppol Directory Reachable for e-invoices through 0208:1013499352
IncorporationFounding capital of €3,000, 100 shares · Founder: VANHAELEWIJCK Wout · Appointment: VANHAELEWIJCK Wout (director) · published on 16-09-20243 points ▸
- Founder, VANHAELEWIJCK Wout
- Founding capital, €3,000, 100 shares
- Director appointment, VANHAELEWIJCK Wout (director (not named in the articles))
- The deed holds 1 more point.
First establishment Auwegemvaart 36, Mechelen
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Terafex was incorporated on 12 September 2024 as a private limited company by one natural person, with a starting capital of €3,000.12 The registered office was moved to Mechelen in 2025.3 VANHAELEWIJCK Wout is director of the company, appointed by deed of 16-09-2024.2
Company details
Identity
- Enterprise number
- 1013.499.352
- VAT number
- BE 1013.499.352
- Peppol ID
- 0208:1013499352
- Other Peppol ID
- 9925:BE1013499352
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 June at 20:00deed of 16-09-2024 (in Dutch)
- Peppol
- Reachable since 29-11-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Terafex in Dutch
- Entity type
- Legal entity
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
62100
Computer programming
Codes under NACEBEL 2008
62020
IT consultancy main activity
62010
Computer programming, consultancy and related activities
62030
Computer programming, consultancy and related activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle mogelijke advies- en/of dienstenfuncties op het vlak van ontwerpen,programmeren,onderhouden,toepassen en eventueel uitgeven van…”deed of 16-09-2024 (in Dutch)
13 activities
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van ontwerpen,programmeren,onderhouden,toepassen en eventueel uitgeven van computerprogramma’s
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van realisatie van programma’s en gebruiksklare systemen
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van gegevensverwerking en het opstellen,aanpassen en onderhouden van databanken
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van domeinnamen,websites,webhosting,het beheren van netwerken en aanverwante activiteiten
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van beheer van computerfaciliteiten en activiteiten van systeemintegrators
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van analyseren en op punt stellen van de bedrijfsorganisatie en business processen binnen ondernemingen
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van participatie,de ontwikkeling,de algemene organisatie en coördinatie van evenementen,voorstellingen,seminaries,workshops,opleidingen en trainingen (B2B-,B2Client,publiek of privé...)
- Aankoop en verkoop,import en export,verhuur,leasing en installatie van computer hardware en software en alle randapparatuur en toebehoren daarmee gepaard gaande
- Het aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven uit verscheidene economische sectoren
- Zij mag alle roerende en onroerende goederen als investering verwerven zelfs als deze noch rechtstreeks noch onrechtstreeks verband houden met het voorwerp van de vennootschap
- Het aankopen,verhuren en/of verbouwen van onroerende goederen voor eigen rekening
- Consultancy,opleiding,technische expertise en bijstand op voornoemde gebieden
- Het geven van advies en verstrekken van diensten met betrekking tot de organisatie en het beheer van bedrijven die op die domeinen actief zijn,de vertegenwoordiging en het optreden als commercieel tussenpersoon
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Auwegemvaart 36 registered office 2800 Mechelen | 12-09-2024 | 2.364.019.068 |
1 former office
- Edelzangerslaan 36 bus 402, 3010 Leuven until 01-09-2025 · deed of 24-10-2025
Buildings and parcels at the address
- Ground area
- 5,580 m²
- Buildings
- 206 m²
- Volume, LiDAR
- 2,113 m³
- Tallest building
- 13.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 12404F0606/00D000 | 5,580 m² | 1 · 206 m² | 13.7 m · 3 |