TERK
ActiveTERK has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €-5k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 3099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy▲ +26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency53▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.27 in 2024), and 70.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.6%
Return on assets
-1.3%
Age of the figures
14 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€5k
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
231 d late
2023
72 d late
2022
28 d late
2021
36 d late
2020
69 d late
2019
17 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€122k▼ 4.2%
2024 · €128k
2019: €12k
2020: €171k
2021: €181k
2022: €196k
2023: €190k
2024: €128k
2019 → 2025
Total assets
€413k▼ 7.7%
2024 · €447k
2019: €407k
2020: €483k
2021: €504k
2022: €514k
2023: €486k
2024: €447k
2019 → 2025
Net result
€-5k▲ 91.4%
2024 · €-63k
2019: €-126k
2020: €159k
2021: €10k
2022: €16k
2023: €-6k
2024: €-63k
2019 → 2025
Working capital
€88k▲ 1.4%
2024 · €87k
2019: €-65k
2020: €115k
2021: €141k
2022: €172k
2023: €132k
2024: €87k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€181k-€196k▲ 8.6%€190k▼ 3.1%€128k▼ 33.0%€122k▼ 4.2%
Operating result€168-€19k▲ 11,269%€-5k€-62k▼ 1,081%€-4k▲ 92.9%
Net result€10k-€16k▲ 59.0%€-6k€-63k▼ 948%€-5k▲ 91.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €62k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €413k
Fixed assets
€34k▼ 17.0%
Current assets
€379k▼ 6.8%
Equity and liabilities €413k
Equity
€122k▼ 4.2%
Debt
€291k▼ 9.1%
The debt ratio falls from 71.5% to 70.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€8k▲
2024 · €-43k
Cash flow
€7k▲
2024 · €-43k
Solvency
29.6%▲
2024 · 28.5%
Current ratio
1.30▲
2024 · 1.27
Quick ratio
1.30▲
2024 · 1.27
Debt / equity
2.38▼
2024 · 2.50
ROE
-4.4%▲
2024 · -49.2%
ROA
-1.3%▲
2024 · -14.0%
Interest coverage
6.74▲
2024 · -34.02
Debt
€291k▼
2024 · €320k
Debt ≤ 1 year
€291k▼
2024 · €319k
Staff costs
€36k▼
2024 · €49k
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€447k€413k▼
Fixed assets21/28€41k€34k▼
Tangible fixed assets22/27€41k€34k▼
Land and buildings22€15k€14k▼
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€24k€15k▼
Financial fixed assets28€125€125=
Current assets29/58€407k€379k▼
Amounts receivable within one year40/41€159k€161k▲
Other amounts receivable41€159k€161k▲
Current investments50/53€141k€140k▼
Cash at bank and in hand54/58€106k€79k▼
Equity and liabilities
Total equity and liabilities10/49€447k€413k▼
Equity10/15€128k€122k▼
Contributions10/11€19k€19k=
Reserves13€109k€104k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€107k€104k▼
Amounts payable17/49€320k€291k▼
Amounts payable within one year42/48€319k€291k▼
Trade debts44€43k€30k▼
Suppliers440/4€43k€30k▼
Taxes, remuneration and social security45€2k€3k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€274k€258k▼
Accrued charges and deferred income492/3€320-
Income statement
Code20242025
Remuneration, social security and pensions62€49k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€12k▼
Other operating charges640/8€877€479▼
Gross operating margin9900€7k€45k▲
Operating profit (loss)9901€-62k€-4k▲
Financial income75/76B€819€177▼
Recurring financial income75€819€177▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-63k€-5k▲
Income taxes67/77€8-
Profit (loss) for the period9904€-63k€-5k▲
Profit (loss) for the period to be appropriated9905€-63k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-5k▲
Transfer from equity791/2€63k€5k▼
The notes to these accounts (6 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 231 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 72 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 69 days late
19-02
Financial
Back to profitnet €159k
Net result €159k after one loss-making year.
19-02
Financial
Equity above €150kEq €171k ▲1306%
Equity rises from €12k to €171k.
2019
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2018
02-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 74 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 42 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Stanislas de Biolley du Ry van Steelant
CurrentDirector · since 01-12-2023
01-12-2023
Appointed as Director
01-12-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2007
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.
Engelbamp 293800 Sint-TruidenGround area
1.1 ha
Building footprint
1,728 m²
Volume, LiDAR
12,719 m³
Parcel 71352B0609/00A000, Flanders · tallest building 13.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TERK
since 20072.162.716.057
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352B0609/00A000 | Flanders | 1.1 ha | 1 · 1,727 m² | 13.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 36,138 EUR awarded · 36,138 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 13,067 EUR | 13,067 EUR |
| 2024 | 1 | 175 EUR | 175 EUR |
| 2023 | 1 | 11,320 EUR | 11,320 EUR |
| 2022 | 1 | 11,576 EUR | 11,576 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.162.716.057
Legal Entity Identifier
967600URUZDRCVLR1883
Similar companies · same sector, comparable size
BOMI
BE 0635.654.163
Sint-Truiden · Eq €122k
AGRO KERKOM
BE 0877.160.112
Sint-Truiden · Eq €121k
VANMEER RJ
BE 0764.690.194
Sint-Truiden · Eq €121k
JAMAE
BE 0881.040.805
Sint-Truiden · Eq €126k
Halberry
BE 0792.608.873
Hoogstraten · Eq €126k
Of 1,344 companies in sector 01240 we hold annual accounts for 320. 247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2007
Fiscal year end30-06
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
01240Growing of pome and stone fruits
01250Crop and animal production, hunting and related service activities
01410Raising of dairy cattle
29322
33120Repair and maintenance of machinery
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.