Active BE 0547.904.203Private limited company

TERIA

Rue Saint-Valentin 45 ·6061 Charleroi, Belgium· 12 yrs active

Sector: Algemene bouw van residentiële gebouwen (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of TERIA is 1.6% (moderate). The 2024 annual accounts show negative equity (€-57k) and a net result of €-112k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 8% of 11087 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€-57k
Net result	€-112k
Better than sector	8%
Active	12 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

62 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 22

Profitability 100

Solvency 54

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.6% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Annual accounts: weaker financial profile +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2014, 12 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

22 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~18%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-9.4%	40.9%	better than 8% of 11087 sector peers
Net result	€-112k	€11k	better than 5% of 11069 sector peers
Equity	€-57k	€34k	better than 5% of 11090 sector peers
Gross operating margin	€-67k	€35k	better than 5% of 11060 sector peers
Total assets	€604k	€93k	better than 95% of 11087 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-73k

- 18-24

Net profit

€-112k

- 18-24

Cash flow

€-86k

- 18-24

Total assets

€604k

+245.8% 18-24

Equity

€-57k

- 18-24

Working capital

€139k

+395.9% 18-24

Income taxes

€18

-99.7% 18-24

Debt

€661k

+451.5% 18-24

Debt ≤ 1y

€335k

+179.8% 18-24

Debt > 1y

€326k

- 18-24

Current ratio

1.41

+14.6% 18-24

Quick ratio

0.38

-69.1% 18-24

Solvency

-9.4%

- 18-24

Debt / equity

-11.68

- 18-24

ROE

197.0%

+403.6% 18-24

ROA

-18.4%

- 18-24

Interest coverage

-4.25

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€-73k
Net profit	€-112k
Cash flow	€-86k
Staff costs	-
Income taxes	€18
Dividends	-
Total assets	€604k
Equity	€-57k
Debt	€661k
of which ≤ 1y	€335k
of which > 1y	€326k
Working capital	€139k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.41
Quick ratio	0.38
Working capital ratio	22.9%
Solvency	-9.4%
Debt / equity	-11.68
Long-term debt ratio	-5.75
Interest coverage	-4.25
Gross margin	-
Net margin	-
ROA	-18.4%
ROE	197.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €130k · 21.6% Current assets €474k · 78.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€604k
Fixed assets	21/28	€130k
Intangible fixed assets	21	€18k
Tangible fixed assets	22/27	€113k
Current assets	29/58	€474k
Stocks & contracts in progress	3	€346k
Amounts receivable within one year	40/41	€99k
Cash & bank	54/58	€24k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€604k
Equity	10/15	€-57k
Contributions / capital	10/11	€19k
Reserves	13	€827
Accumulated profits (losses)	14	€-76k
Amounts payable	17/49	€661k
Amounts payable after one year	17	€326k
Amounts payable within one year	42/48	€335k
Trade debts payable within one year	44	€193k
Income statement
Gross operating margin	9900	€-67k
Operating result	9901	€-98k
Financial income	75	€4k
Financial charges	65	€17k
Result before taxes	9903	€-111k
Income taxes	67/77	€18
Net result for the period	9904	€-112k
Result to be appropriated	9905	€-112k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Algemene bouw van residentiële gebouwen(41001)
Legal form	Private limited company(610)
Incorporation	13-03-2014
Status	Active
Postal code	6061

Establishment units 1 location

TERIA

Rue Saint-Valentin 45, 6061 CharleroiAlgemene bouw van residentiële gebouwen

since 20142.230.290.217

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52049C0521/00W003	Wallonia	1,742 m²	1 · 565 m²	19.5 m · 6 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

28-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

07-10-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

31-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

16-06-2023

State Gazette act Capital & shares

Muriel DE ROOSE

2022

16-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

10-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

08-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

06-08-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

20-07-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

18-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

28-07-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

Belgisch Staatsblad, acts 1 acts

Capital history · 1

16-06-2023

Capital change

All acts · 1 updated 3 years ago

2023

16-06-2023 Transaction in capital or shares Capital & shares·Muriel DE ROOSE

Notary: Muriel DE ROOSE · FleurusFirm: Muriel DE ROOSE Notaire

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Schrijnwerk43320Schrijnwerk43320

Primary activity highlighted.

Names & trade names

Legal nameFR

TERIA

Registered office

Rue Saint-Valentin 45

6061 Charleroi, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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