TERDI
ActiveSummary
TERDI has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€68,556) and a net result of €2,296. Equity is shrinking by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 10% of 31958 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average on the deadline day; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 31 January (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€68,556▲ 3.2%
2024 · -€70,852
Total assets
€7.9m▲ 0.9%
2024 · €7.9m
Net result
€2,296
2024 · -€60,598
Working capital
-€7.9m▲ 0.1%
2024 · -€7.9m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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
Line202320242025
Operating result-€58,308--€59,385▼ 1.8%€8,677
Net result-€71,754below the sector's middle half--€60,598below the sector's middle half▲ 15.5%€2,296below the sector's middle half
Equity-€10,254below the sector's middle half--€70,852below the sector's middle half▼ 591%-€68,556below the sector's middle half▲ 3.2%
Total assets€8.0mabove the sector's middle half-€7.9mabove the sector's middle half▼ 1.4%€7.9mabove the sector's middle half▲ 0.9%
Debt€8.0m-€8.0m▼ 0.6%€8.0m▲ 0.8%
Working capital-€7.9mbelow the sector's middle half--€7.9mbelow the sector's middle half▼ 0.7%-€7.9mbelow the sector's middle half▲ 0.1%
Solvency-0.1%below the sector's middle half--0.9%below the sector's middle half▼ 0.8pp-0.9%below the sector's middle half=
Current ratio0.02below the sector's middle half-0.00below the sector's middle half▼ 0.010.01below the sector's middle half▲ 0.01
Return on assets (ROA)-0.9%below the sector's middle half--0.8%below the sector's middle half▲ 0.1pp0.0%below the sector's middle half▲ 0.8pp
Staff (FTE)1.8-2▲ 11.1%2=
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8,677 after a loss of €59,385 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.9m
Fixed assets
€7.8m ▼ 0.1%
Current assets
€110,677 ▲ 222%
Key figures and ratios
Debt ≤ 1 year
€8.0m▲
2024 · €8.0m
Income taxes
€477▲
2024 · €432
Staff costs
€103,001▲
2024 · €94,854
A ratio outside any meaningful range has been withheld (balance sheet total €7.9m, equity -€68,556).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €70,641 | €94,854 | €103,001 | ▲ 8.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,163 | €8,775 | €9,119 | ▲ 3.9% |
| Other operating charges640/8 | €2,037 | €1,711 | €1,772 | ▲ 3.5% |
| Gross operating margin9900 | €20,534 | €45,955 | €122,569 | ▲ 167% |
| Operating profit (loss)9901 | -€58,308 | -€59,385 | €8,677 | ▲ 115% |
| Financial income75/76B | - | €0 | - | - |
| Recurring financial income75 | - | €0 | - | - |
| Financial charges65/66B | €13,188 | €781 | €5,904 | ▲ 656% |
| Recurring financial charges65 | €13,188 | €781 | €5,904 | ▲ 656% |
| Profit (loss) for the period before taxes9903 | -€71,496 | -€60,166 | €2,773 | ▲ 105% |
| Income taxes67/77 | €258 | €432 | €477 | ▲ 10.4% |
| Profit (loss) for the period9904 | -€71,754 | -€60,598 | €2,296 | ▲ 104% |
| Profit (loss) for the period to be appropriated9905 | -€71,754 | -€60,598 | €2,296 | ▲ 104% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €8.0m | €7.9m | €7.9m | ▲ 0.9% |
| Fixed assets21/28 | €7.9m | €7.8m | €7.8m | ▼ 0.1% |
| Tangible fixed assets22/27 | €18,048 | €13,066 | €3,947 | ▼ 69.8% |
| Plant, machinery and equipment23 | €2,336 | €4,336 | €2,199 | ▼ 49.3% |
| Furniture and vehicles24 | €15,712 | €8,730 | €1,748 | ▼ 80.0% |
| Financial fixed assets28 | €7.8m | €7.8m | €7.8m | = |
| Current assets29/58 | €139,321 | €34,364 | €110,677 | ▲ 222% |
| Amounts receivable within one year40/41 | €47,194 | €30,323 | €99,250 | ▲ 227% |
| Trade receivables40 | €47,190 | €30,310 | €99,220 | ▲ 227% |
| Other amounts receivable41 | €4 | €13 | €30 | ▲ 130% |
| Cash at bank and in hand54/58 | €87,112 | €281 | €8,923 | ▲ 3,077% |
| Deferred charges and accrued income490/1 | €5,015 | €3,761 | €2,504 | ▼ 33.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €8.0m | €7.9m | €7.9m | ▲ 0.9% |
| Equity10/15 | -€10,254 | -€70,852 | -€68,556 | ▲ 3.2% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | €61,500 | €61,500 | €61,500 | = |
| Profit (loss) carried forward14 | -€71,754 | -€132,352 | -€130,056 | ▲ 1.7% |
| Amounts payable17/49 | €8.0m | €8.0m | €8.0m | ▲ 0.8% |
| Amounts payable within one year42/48 | €8.0m | €8.0m | €8.0m | ▲ 0.8% |
| Trade debts44 | €56,086 | €12,410 | €5,425 | ▼ 56.3% |
| Suppliers440/4 | €56,086 | €12,410 | €5,425 | ▼ 56.3% |
| Taxes, remuneration and social security45 | €13,020 | €6,251 | €10,682 | ▲ 70.9% |
| Taxes450/3 | €8,505 | €1,996 | €10,682 | ▲ 435% |
| Remuneration and social security454/9 | €4,515 | €4,256 | - | - |
| Other amounts payable47/48 | €7.9m | €7.9m | €8.0m | ▲ 0.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€71,754 | -€60,598 | €2,296 | ▲ 104% |
| + Depreciation and write-downs630 | €6,163 | €8,775 | €9,119 | ▲ 3.9% |
| Operating cash flow (approximation) | -€65,590 | -€51,824 | €11,415 | ▲ 122% |
| Investment in fixed assets (approximation) | - | -€3,792 | €0 | ▲ 100% |
| Change in cash | - | -€86,831 | €8,642 | ▲ 110% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €2,296
Net result €2,296 after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Hamme (Vl.) · 1 establishment unit since 2022
Ground area
1,841 m²
Building footprint
191 m²
Volume, LiDAR
1,120 m³
Parcel 42452B1243/00T000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
TERDI
since 20222.357.672.397
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452B1243/00T000 | Flanders | 1,841 m² | 1 · 191 m² | 9.1 m · 2 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
2 holdings · 2 subsidiaries in the treeOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 2
-
99.4%
-
12%
All subsidiaries, including indirect ones 2
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
MARKETING EN DESIGN CLOOSTERMANS 99.4%1 subsidiary
- B.V.N.C. 99.8%
According to the annual accounts to 30-06-2025 of TERDI and those 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
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 7,500 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 7,500 EUR | 0 EUR |
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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 82,646 companies in sector 70200 we hold annual accounts for 52,627. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-07-2022
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Contact
E-mail
hilde@clofinad.comHamme (Vl.)
Phone
0495295083Hamme (Vl.)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0787930703
Also
9925:BE0787930703
Registered
04-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.