TERDIS
ActiveSummary
TERDIS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101,943 and a net result of €34,772. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 22% of 9559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-22
Solvency46▼-25
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.22 against 1.66 in 2024; short-term debt: 46.4% and cash: 4.2% of total assets), and 79% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
21%
Return on assets
7.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9559 sector peers (2025).
NBB · sector comparisonPosition among 9559 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
on the day
2023
29 d late
2022
23 d late
2021
24 d late
2020
19 d late
2019
91 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 30 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% 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. Usually files around 24 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€101,943▲ 51.8%
2024 · €67,172
Total assets
€485,089▲ 230%
2024 · €147,044
Net result
€34,772▼ 6.3%
2024 · €37,117
Working capital
-€176,151
2024 · €29,236
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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€25,333▼ 64.2%€36,113▲ 42.6%€40,927▲ 13.3%€49,358▲ 20.6%€49,463▲ 0.2%
Net result€16,761within the sector's middle half▼ 64.5%€26,629within the sector's middle half▲ 58.9%€30,632within the sector's middle half▲ 15.0%€37,117within the sector's middle half▲ 21.2%€34,772within the sector's middle half▼ 6.3%
Equity€121,393within the sector's middle half▼ 20.2%€89,422within the sector's middle half▼ 26.3%€120,054within the sector's middle half▲ 34.3%€67,172within the sector's middle half▼ 44.0%€101,943within the sector's middle half▲ 51.8%
Total assets€225,375within the sector's middle half▼ 24.4%€168,648within the sector's middle half▼ 25.2%€199,169within the sector's middle half▲ 18.1%€147,044within the sector's middle half▼ 26.2%€485,089above the sector's middle half▲ 230%
Debt€103,983▼ 28.7%€79,226▼ 23.8%€79,115▼ 0.1%€79,872▲ 1.0%€383,146▲ 380%
Working capital€73,939within the sector's middle half▼ 29.3%€47,377within the sector's middle half▼ 35.9%€82,568within the sector's middle half▲ 74.3%€29,236within the sector's middle half▼ 64.6%-€176,151below the sector's middle half
Solvency53.9%within the sector's middle half▲ 2.8pp53.0%within the sector's middle half▼ 0.8pp60.3%within the sector's middle half▲ 7.3pp45.7%within the sector's middle half▼ 14.6pp21.0%below the sector's middle half▼ 24.7pp
Current ratio3.46within the sector's middle half▲ 0.513.71within the sector's middle half▲ 0.253.66within the sector's middle half▼ 0.051.66within the sector's middle half▼ 2.000.22below the sector's middle half▼ 1.44
Return on assets (ROA)7.4%within the sector's middle half▼ 8.4pp15.8%within the sector's middle half▲ 8.4pp15.4%within the sector's middle half▼ 0.4pp25.2%above the sector's middle half▲ 9.9pp7.2%within the sector's middle half▼ 18.1pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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 has risen four years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €485,089
Fixed assets
€436,180 ▲ 494%
Current assets
€48,909 ▼ 33.5%
Equity and liabilities €485,089
Equity
€101,943 ▲ 51.8%
Debt
€383,146 ▲ 380%
Debt's share of the balance-sheet total rises from 54.3% to 79.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72,870▲
2024 · €66,038
Cash flow
€58,179▲
2024 · €53,798
Debt to equity
3.76▲
2024 · 1.19
ROE
34.1%▼
2024 · 55.3%
Interest coverage
12.86▼
2024 · 66.39
Debt ≤ 1 year
€225,060▲
2024 · €44,352
Debt > 1 year
€156,501▲
2024 · €35,520
Income taxes
€9,025▼
2024 · €11,246
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,996 | €21,998 | €18,181 | €16,681 | €23,407 | ▲ 40.3% |
| Other operating charges640/8 | €2,256 | €1,583 | €556 | €905 | €1,489 | ▲ 64.5% |
| Gross operating margin9900 | €56,585 | €59,693 | €59,665 | €66,944 | €74,359 | ▲ 11.1% |
| Operating profit (loss)9901 | €25,333 | €36,113 | €40,927 | €49,358 | €49,463 | ▲ 0.2% |
| Financial charges65/66B | €1,754 | €1,376 | €1,144 | €995 | €5,666 | ▲ 470% |
| Recurring financial charges65 | €1,754 | €1,376 | €1,144 | €995 | €5,666 | ▲ 470% |
| Profit (loss) for the period before taxes9903 | €23,578 | €34,737 | €39,784 | €48,363 | €43,797 | ▼ 9.4% |
| Income taxes67/77 | €6,818 | €8,108 | €9,152 | €11,246 | €9,025 | ▼ 19.7% |
| Profit (loss) for the period9904 | €16,761 | €26,629 | €30,632 | €37,117 | €34,772 | ▼ 6.3% |
| Profit (loss) for the period to be appropriated9905 | €16,761 | €26,629 | €30,632 | €37,117 | €34,772 | ▼ 6.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €225,375 | €168,648 | €199,169 | €147,044 | €485,089 | ▲ 230% |
| Fixed assets21/28 | €121,362 | €103,781 | €85,600 | €73,456 | €436,180 | ▲ 494% |
| Tangible fixed assets22/27 | €121,362 | €103,781 | €85,600 | €73,456 | €121,173 | ▲ 65.0% |
| Plant, machinery and equipment23 | - | - | - | - | €832 | - |
| Furniture and vehicles24 | €28,235 | €18,906 | €11,227 | €9,587 | €63,553 | ▲ 563% |
| Other tangible fixed assets26 | €93,128 | €84,875 | €74,372 | €63,870 | €56,788 | ▼ 11.1% |
| Financial fixed assets28 | - | - | - | - | €315,008 | - |
| Current assets29/58 | €104,013 | €64,868 | €113,569 | €73,588 | €48,909 | ▼ 33.5% |
| Amounts receivable within one year40/41 | €71,273 | €64,242 | €54,036 | €57,708 | €24,875 | ▼ 56.9% |
| Trade receivables40 | €50,828 | €55,044 | €42,893 | €50,628 | €23,901 | ▼ 52.8% |
| Other amounts receivable41 | €20,445 | €9,199 | €11,143 | €7,081 | €975 | ▼ 86.2% |
| Cash at bank and in hand54/58 | €30,170 | €301 | €57,957 | €14,236 | €20,286 | ▲ 42.5% |
| Deferred charges and accrued income490/1 | €2,571 | €324 | €1,577 | €1,644 | €3,747 | ▲ 128% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €225,375 | €168,648 | €199,169 | €147,044 | €485,089 | ▲ 230% |
| Equity10/15 | €121,393 | €89,422 | €120,054 | €67,172 | €101,943 | ▲ 51.8% |
| Contributions10/11 | €18,600 | €20,460 | €20,460 | €20,460 | €20,460 | = |
| Reserves13 | €101,860 | €67,000 | €99,594 | €46,712 | €81,483 | ▲ 74.4% |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | €100,000 | €67,000 | €99,594 | €46,712 | €81,483 | ▲ 74.4% |
| Profit (loss) carried forward14 | €933 | €1,962 | - | - | - | - |
| Amounts payable17/49 | €103,983 | €79,226 | €79,115 | €79,872 | €383,146 | ▲ 380% |
| Amounts payable after more than one year17 | €73,852 | €61,061 | €48,113 | €35,520 | €156,501 | ▲ 341% |
| Financial debts170/4 | €73,852 | €61,061 | €48,113 | €35,520 | €156,501 | ▲ 341% |
| Amounts payable within one year42/48 | €30,074 | €17,490 | €31,001 | €44,352 | €225,060 | ▲ 407% |
| Current portion of amounts payable after more than one year42 | €18,236 | €12,790 | €12,948 | €12,593 | €31,367 | ▲ 149% |
| Financial debts43 | - | €957 | - | - | - | - |
| Credit institutions430/8 | - | €957 | - | - | - | - |
| Trade debts44 | €6,817 | €645 | €2,705 | €996 | €2,050 | ▲ 106% |
| Suppliers440/4 | €6,817 | €645 | €2,705 | €996 | €2,050 | ▲ 106% |
| Taxes, remuneration and social security45 | €3,000 | €3,090 | €11,316 | €6,358 | €16,535 | ▲ 160% |
| Taxes450/3 | €3,000 | €3,090 | €11,316 | €6,358 | €16,535 | ▲ 160% |
| Other amounts payable47/48 | €2,021 | €8 | €4,032 | €24,405 | €175,108 | ▲ 618% |
| Accrued charges and deferred income492/3 | €57 | €675 | - | - | €1,585 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,761 | €26,629 | €30,632 | €37,117 | €34,772 | ▼ 6.3% |
| + Depreciation and write-downs630 | €28,996 | €21,998 | €18,181 | €16,681 | €23,407 | ▲ 40.3% |
| Operating cash flow (approximation) | €45,757 | €48,627 | €48,813 | €53,798 | €58,179 | ▲ 8.1% |
| Investment in fixed assets (approximation) | - | -€4,416 | €0 | -€4,537 | -€386,131 | ▼ 8,410% |
| Change in cash | - | -€29,868 | €57,655 | -€43,721 | €6,051 | ▲ 114% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Equity above €100,000Eq €101,943 ▲51.8%
8 profitable years in a row build equity to €101,943.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €100,000Eq €120,054 ▲34.3%
6 profitable years in a row build equity to €120,054.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €16,761 ▼64.5%
Net result drops to €16,761, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Highest result since 2018net €47,171 ▲6.2%
Operating result €70,820, net result €47,171, both a record.
31-12
Financial
Equity above €150,000Eq €152,132 ▲35.9%
3 profitable years in a row build equity to €152,132.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Show earlier events
2019
31-12
Financial
Liquidity triplescurrent ratio 6.57
Current ratio from 2.04 to 6.57; short-term debt falls from €51,264 to €18,040.
31-12
Financial
Equity above €100,000Eq €111,961 ▲65.7%
2 profitable years in a row build equity to €111,961.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Chaumont-Gistoux · 1 establishment unit since 2014
Ground area
1,210 m²
Building footprint
148 m²
Volume, LiDAR
798 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Terdis
since 20142.230.535.685
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25084B0360/00N000 | Wallonia | 1,114 m² | 1 · 111 m² | 8.0 m · 2 fl. |
| 25025A0099/00M000 | Wallonia | 95 m² | 1 · 37 m² | 4.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,573 companies in sector 71121 we hold annual accounts for 6,570. 5,229 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
E-invoicing
Reachable via Peppol
Peppol ID
0208:0549782142
Registered
24-12-2025
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.