Terra SVDS
ActiveTerra SVDS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €594k and a net result of €195k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 5495 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
8 d early
2023
9 d early
2022
33 d early
2021
31 d late
2020
30 d late
2019
41 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€594k▲ 48.6%
2024 · €400k
2018: €89k
2019: €95k
2020: €96k
2021: €230k
2022: €338k
2023: €357k
2024: €400k
2018 → 2025
Net result
€195k▲ 355%
2024 · €43k
2018: €10k
2019: €6k
2020: €619
2021: €134k
2022: €108k
2023: €8k
2024: €43k
2018 → 2025
Total assets
€1.41M▲ 10.8%
2024 · €1.27M
2018: €224k
2019: €216k
2020: €224k
2021: €1.46M
2022: €1.34M
2023: €1.29M
2024: €1.27M
2018 → 2025
Solvency
42.3%▲ 10.8pp
2024 · 31.5%
2018: 39.8%
2019: 44.1%
2020: 42.8%
2021: 15.7%
2022: 25.1%
2023: 27.7%
2024: 31.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€230k-€338k▲ 46.7%€357k▲ 5.7%€400k▲ 12.0%€594k▲ 48.6%
Operating result€202k-€155k▼ 23.4%€24k▼ 84.8%€70k▲ 197%€290k▲ 315%
Net result€134k-€108k▼ 19.9%€8k▼ 92.6%€43k▲ 438%€195k▲ 355%
Turnover and EBIT margin not published: the abbreviated or 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 315% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€1.06M▼ 2.7%
Current assets
€345k▲ 94.2%
Equity and liabilities €1.41M
Equity
€594k▲ 48.6%
Provisions
€36k▼ 4.8%
Debt
€775k▼ 6.6%
The debt ratio falls from 65.5% to 55.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
42.3%▲
2024 · 31.5%
ROE
32.7%▲
2024 · 10.7%
ROA
13.8%▲
2024 · 3.4%
Debt
€775k▼
2024 · €830k
Debt ≤ 1 year
€202k▲
2024 · €194k
Debt > 1 year
€574k▼
2024 · €636k
Income taxes
€90k▲
2024 · €20k
Staff costs
€158k▼
2024 · €198k
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€1.27M€1.41M▲
Fixed assets21/28€1.09M€1.06M▼
Tangible fixed assets22/27€1.09M€1.06M▼
Land and buildings22€1.09M€1.06M▼
Current assets29/58€178k€345k▲
Amounts receivable within one year40/41€61k€176k▲
Trade receivables40€3k€3k▼
Other amounts receivable41€58k€174k▲
Cash at bank and in hand54/58€109k€161k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.27M€1.41M▲
Equity10/15€400k€594k▲
Contributions10/11€72k€72k=
Reserves13€328k€523k▲
Tax-exempt reserves132€155k€148k▼
Distributable reserves133€173k€375k▲
Provisions and deferred taxes16€38k€36k▼
Deferred taxes168€38k€36k▼
Amounts payable17/49€830k€775k▼
Amounts payable after more than one year17€636k€574k▼
Financial debts170/4€636k€574k▼
Amounts payable within one year42/48€194k€202k▲
Current portion of amounts payable after more than one year42€62k€62k=
Trade debts44€18k€17k▼
Suppliers440/4€18k€17k▼
Taxes, remuneration and social security45€56k€64k▲
Taxes450/3€37k€48k▲
Remuneration and social security454/9€20k€16k▼
Other amounts payable47/48€58k€59k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€198k€158k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€30k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€6k€0▼
Other operating charges640/8€11k€12k▲
Non-recurring operating charges66A€5k€304▼
Gross operating margin9900€321k€490k▲
Operating profit (loss)9901€70k€290k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€61k€283k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€20k€90k▲
Profit (loss) for the period9904€43k€195k▲
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€50k€202k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€202k▲
Transfer to equity691/2€50k€202k▲
To other reserves6921€50k€202k▲
Social balance
Average headcount (FTE)90872.41.9▼
The notes to these accounts (16 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €195k ▲355%
Operating result €290k, net result €195k, both a record.
31-12
Financial
Equity above €500kEq €594k ▲48.6%
8 profitable years in a row build equity to €594k.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Equity above €200kEq €230k ▲140%
4 profitable years in a row build equity to €230k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €619 ▼90%
Net result drops to €619, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
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, Wingene · 1 establishment unit since 1989
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.
Schoolstraat 378750 WingeneGround area
975 m²
Building footprint
246 m²
Volume, LiDAR
1,236 m³
Parcel 37019D0417/03P000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Terra SVDS
since 19892.045.950.625
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019D0417/03P000 | Flanders | 975 m² | 1 · 245 m² | 7.7 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.
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-1989
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.