Terbret
ActiveTerbret is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.17M and a net result of €5k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 2403 sector peers (fiscal year 2025). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
20 d late
2023
30 d late
2022
18 d early
2021
61 d late
2020
61 d late
2019
62 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.17M▲ 0.4%
2024 · €1.16M
2018: €772k
2019: €825k
2020: €874k
2021: €919k
2022: €958k
2023: €1.16M
2024: €1.16M
2018 → 2025
Net result
€5k▼ 16.5%
2024 · €6k
2018: €50k
2019: €53k
2020: €49k
2021: €47k
2022: €40k
2023: €277k
2024: €6k
2018 → 2025
Total assets
€1.20M▼ 1.1%
2024 · €1.21M
2018: €935k
2019: €1.55M
2020: €1.59M
2021: €1.63M
2022: €1.67M
2023: €1.35M
2024: €1.21M
2018 → 2025
Solvency
97.4%▲ 1.5pp
2024 · 95.9%
2018: 82.6%
2019: 53.3%
2020: 54.9%
2021: 56.5%
2022: 57.5%
2023: 85.5%
2024: 95.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€919k-€958k▲ 4.2%€1.16M▲ 20.9%€1.16M▲ 0.5%€1.17M▲ 0.4%
Operating result€65k-€53k▼ 17.4%€396k▲ 641%€4k▼ 98.9%€3k▼ 22.0%
Net result€47k-€40k▼ 13.8%€277k▲ 587%€6k▼ 97.8%€5k▼ 16.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€655k▼ 2.0%
Current assets
€545k=
Equity and liabilities €1.20M
Equity
€1.17M▲ 0.4%
Debt
€31k▼ 36.8%
The debt ratio falls from 4.1% to 2.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
97.4%▲
2024 · 95.9%
ROE
0.4%▼
2024 · 0.5%
ROA
0.4%▼
2024 · 0.5%
Debt
€31k▼
2024 · €50k
Debt ≤ 1 year
€25k▼
2024 · €48k
Debt > 1 year
€6k▲
2024 · €1k
Income taxes
€3k▼
2024 · €4k
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€1.21M€1.20M▼
Fixed assets21/28€669k€655k▼
Tangible fixed assets22/27€669k€655k▼
Land and buildings22€656k€644k▼
Plant, machinery and equipment23€13k€11k▼
Current assets29/58€544k€545k=
Amounts receivable after more than one year29€485k€430k▼
Other amounts receivable291€485k€430k▼
Amounts receivable within one year40/41€10k€11k▲
Trade receivables40€5k€6k▲
Other amounts receivable41€6k€6k▲
Current investments50/53-€76k
Cash at bank and in hand54/58€44k€25k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.20M▼
Equity10/15€1.16M€1.17M▲
Contributions10/11€19k€19k=
Reserves13€1.14M€1.15M▲
Tax-exempt reserves132€20k€20k=
Distributable reserves133€1.12M€1.13M▲
Amounts payable17/49€50k€31k▼
Amounts payable after more than one year17€1k€6k▲
Other amounts payable178/9€1k€6k▲
Amounts payable within one year42/48€48k€25k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€26k€155▼
Taxes450/3€26k€155▼
Other amounts payable47/48€21k€22k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€33k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€45k€44k▼
Operating profit (loss)9901€4k€3k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€330-
Recurring financial charges65€330-
Profit (loss) for the period before taxes9903€10k€8k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€6k€5k▼
Profit (loss) for the period to be appropriated9905€6k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€5k▼
Transfer to equity691/2€6k€5k▼
To other reserves6921€6k€5k▼
The notes to these accounts (5 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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼16.5%
Net result drops to €5k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 11.30
Current ratio from 5.02 to 11.30; short-term debt falls from €130k to €48k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €277k ▲587%
Operating result €396k, net result €277k, both a record.
31-12
Financial
Equity above €1MEq €1.16M ▲20.9%
6 profitable years in a row build equity to €1.16M.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Liquidity times 8current ratio 16.73
Current ratio from 2.20 to 16.73; short-term debt falls from €320k to €47k.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-12
Financial
Liquidity times 6current ratio 2.20
Current ratio from 0.34 to 2.20.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Genk · 1 establishment unit since 1987
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.
Terboekt 1183600 GenkGround area
1,588 m²
Building footprint
189 m²
Volume, LiDAR
1,077 m³
Parcel 71304D0910/00P000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TERBRET
since 19872.033.653.104
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71304D0910/00P000 | Flanders | 1,588 m² | 1 · 189 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.
Similar companies · same sector, comparable size
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LE DOUX & MORTELMANS
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P.K. INVEST
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ZAKENKANTOOR VANRUSSELT
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Of 4,663 companies in sector 66220 we hold annual accounts for 3,214. 2,060 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1986
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.