TERNIER HANS
ActiveTERNIER HANS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €507k and a net result of €125k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+7
Solvency80▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.19 in 2024; short-term debt: 25.1% and cash: 19% of total assets), and 44.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
55.1%
Return on assets
13.6%
Age of the figures
12 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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-01-2026, 111 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
111 d early
2024
152 d early
2023
49 d early
2022
151 d early
2021
1 d early
2020
134 d early
2019
156 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€507k▲ 19.3%
2024 · €425k
2018: €92k
2019: €135k
2020: €183k
2021: €228k
2022: €331k
2023: €350k
2024: €425k
2018 → 2025
Total assets
€921k▲ 4.1%
2024 · €885k
2018: €516k
2019: €671k
2020: €669k
2021: €649k
2022: €789k
2023: €1.01M
2024: €885k
2018 → 2025
Net result
€125k▲ 66.4%
2024 · €75k
2018: €21k
2019: €43k
2020: €48k
2021: €45k
2022: €103k
2023: €19k
2024: €75k
2018 → 2025
Working capital
€53k▲ 37.7%
2024 · €38k
2018: €-65k
2019: €-41k
2020: €-33k
2021: €-16k
2022: €28k
2023: €12k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€228k-€331k▲ 44.9%€350k▲ 5.8%€425k▲ 21.5%€507k▲ 19.3%
Operating result€70k-€140k▲ 98.7%€31k▼ 77.7%€110k▲ 254%€190k▲ 72.6%
Net result€45k-€103k▲ 126%€19k▼ 81.3%€75k▲ 293%€125k▲ 66.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 73% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €921k
Fixed assets
€637k▼ 1.7%
Current assets
€284k▲ 19.7%
Equity and liabilities €921k
Equity
€507k▲ 19.3%
Debt
€414k▼ 10.0%
The debt ratio falls from 52.0% to 44.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€288k▲
2024 · €204k
Cash flow
€223k▲
2024 · €169k
Solvency
55.1%▲
2024 · 48.0%
Current ratio
1.23▲
2024 · 1.19
Quick ratio
1.17▲
2024 · 1.06
Debt / equity
0.82▼
2024 · 1.08
ROE
24.7%▲
2024 · 17.7%
ROA
13.6%▲
2024 · 8.5%
Interest coverage
28.92▲
2024 · 19.74
Debt
€414k▼
2024 · €460k
Debt ≤ 1 year
€231k▲
2024 · €199k
Debt > 1 year
€183k▼
2024 · €261k
Income taxes
€55k▲
2024 · €25k
Staff costs
€62k▲
2024 · €54k
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€885k€921k▲
Fixed assets21/28€648k€637k▼
Tangible fixed assets22/27€639k€628k▼
Land and buildings22€237k€223k▼
Plant, machinery and equipment23€294k€334k▲
Furniture and vehicles24€108k€71k▼
Financial fixed assets28€9k€9k=
Current assets29/58€237k€284k▲
Stocks and contracts in progress3€26k€14k▼
Stocks30/36€26k€14k▼
Amounts receivable within one year40/41€80k€94k▲
Trade receivables40€50k€90k▲
Other amounts receivable41€30k€4k▼
Cash at bank and in hand54/58€131k€175k▲
Equity and liabilities
Total equity and liabilities10/49€885k€921k▲
Equity10/15€425k€507k▲
Contributions10/11€19k€19k=
Reserves13€342k€423k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€340k€421k▲
Profit (loss) carried forward14€65k€66k▲
Amounts payable17/49€460k€414k▼
Amounts payable after more than one year17€261k€183k▼
Financial debts170/4€261k€183k▼
Amounts payable within one year42/48€199k€231k▲
Current portion of amounts payable after more than one year42€102k€107k▲
Trade debts44€13k€11k▼
Suppliers440/4€13k€11k▼
Taxes, remuneration and social security45€26k€37k▲
Taxes450/3€22k€29k▲
Remuneration and social security454/9€4k€7k▲
Other amounts payable47/48€58k€76k▲
Income statement
Code20242025
Remuneration, social security and pensions62€54k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€98k▲
Other operating charges640/8€897€788▼
Non-recurring operating charges66A€220€6k▲
Gross operating margin9900€258k€357k▲
Operating profit (loss)9901€110k€190k▲
Financial income75/76B€308€53▼
Recurring financial income75€308€53▼
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€100k€180k▲
Income taxes67/77€25k€55k▲
Profit (loss) for the period9904€75k€125k▲
Profit (loss) for the period to be appropriated9905€75k€125k▲
Appropriation of the result
Profit (loss) to be appropriated9906€141k€191k▲
Profit (loss) brought forward from the previous period14P€65k€65k=
Transfer from equity791/2-€43k
Transfer to equity691/2€75k€125k▲
To other reserves6921€75k€125k▲
Profit to be distributed694/7-€43k
Return on contributions (dividend)694-€43k
The notes to these accounts (10 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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €125k ▲66.4%
Operating result €190k, net result €125k, both a record.
30-09
Financial
Equity above €500kEq €507k ▲19.3%
8 profitable years in a row build equity to €507k.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €19k ▼81.3%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €228k ▲24.8%
4 profitable years in a row build equity to €228k.
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-09
Financial
Equity above €150kEq €183k ▲35.2%
3 profitable years in a row build equity to €183k.
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
30-09
Financial
Equity above €100kEq €135k ▲47.1%
2 profitable years in a row build equity to €135k.
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Nieuwpoort · 1 establishment unit since 2009
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.
Ramskapellestraat 368620 NieuwpoortGround area
2,870 m²
Building footprint
126 m²
Volume, LiDAR
618 m³
Parcel 38020A0087/00D000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ternier Hans
since 20092.186.341.792
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38020A0087/00D000 | Flanders | 2,870 m² | 1 · 126 m² | 8.0 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
2023 · 1 entry · 314 EUR awarded · 314 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 314 EUR | 314 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
3 categoriesTERNIER HANS BV38828
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 616 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2009
Fiscal year end30-09
Activities, NACEBEL
41003General construction of other non-residential buildings
81300Landscape service activities
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.