TerraGild

Active

Private limited companyfounded 2025incorporated this yearGildenstraat 24, 3110 Rotselaar, BelgiumKBO/BCE: BE 1030.164.744

TerraGild is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €4k and a net result of €2k. Its solvency ranks better than 50% of 9380 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

85 / 100

Excellent

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency97

Growth-

Stability50

Credit verdict

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 2.18), and 46% of the assets are financed with debt.

How do we compute this score?

Credit advice for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

Founded in 2025, under 3 years, statistically higher risk.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 1 filing

Deviation from the deadline

2025

30 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€4k

Total assets

€8k

Net result

€2k

Working capital

€4k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Equity and liabilities €8k

54.0%

46.0%

Equity €4k

Debt €4k

Debt finances 46.0% of the balance-sheet total.

Key figures and ratios

2025 value

Solvency

54.0%

Current ratio

2.18

Quick ratio

2.18

Debt / equity

0.85

ROE

49.6%

ROA

26.8%

Debt

€4k

Debt ≤ 1 year

€4k

Income taxes

€695

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€8k

Current assets29/58€8k

Amounts receivable within one year40/41€7k

Trade receivables40€6k

Other amounts receivable41€343

Cash at bank and in hand54/58€1k

Equity and liabilities

Total equity and liabilities10/49€8k

Equity10/15€4k

Contributions10/11€3k

Reserves13€1k

Distributable reserves133€1k

Amounts payable17/49€4k

Amounts payable within one year42/48€4k

Trade debts44€2k

Suppliers440/4€2k

Taxes, remuneration and social security45€695

Taxes450/3€695

Other amounts payable47/48€833

Income statement Code2025

Gross operating margin9900€3k

Operating profit (loss)9901€3k

Financial charges65/66B€23

Recurring financial charges65€23

Profit (loss) for the period before taxes9903€3k

Income taxes67/77€695

Profit (loss) for the period9904€2k

Profit (loss) for the period to be appropriated9905€2k

Appropriation of the result

Profit (loss) to be appropriated9906€2k

Transfer to equity691/2€1k

To other reserves6921€1k

Profit to be distributed694/7€833

Return on contributions (dividend)694€833

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

30-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 30 days late

NBB filing

Directors · office · real estate

Directors

no sitting director, no change since 2026

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

06-05-2026 Resigned as Non-statutory director

Location & real-estate footprint

Registered office, Rotselaar · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Gildenstraat 243110 Rotselaar

Ground area

816 m²

Building footprint

132 m²

Volume, LiDAR