terraGusto
ActiveSummary
terraGusto has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €21,382 and a net result of -€17,379. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability2▼-4
Solvency42▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.16 against 1.37 in 2023; short-term debt: 83.4% and cash: 18.4% of total assets), and 83.4% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
16.6%
Return on assets
-13.5%
Age of the figures
21 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 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
77 d early
2023
57 d early
2022
31 d late
2021
2 d late
2020
30 d early
2019
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 22 June (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Equity
€21,382▼ 44.8%
2023 · €38,761
Total assets
€129,052▼ 8.7%
2023 · €141,389
Net result
-€17,379▼ 19.1%
2023 · -€14,588
Working capital
€17,229▼ 54.2%
2023 · €37,602
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€38,414▲ 301%€28,403▼ 26.1%€201▼ 99.3%-€13,002-€16,033▼ 23.3%
Net result€33,048above the sector's middle half▲ 626%€23,347within the sector's middle half▼ 29.4%-€2,189within the sector's middle half-€14,588below the sector's middle half▼ 567%-€17,379below the sector's middle half▼ 19.1%
Equity€30,991within the sector's middle half▲ 422%€55,538within the sector's middle half▲ 79.2%€53,350within the sector's middle half▼ 3.9%€38,761within the sector's middle half▼ 27.3%€21,382within the sector's middle half▼ 44.8%
Total assets€110,053within the sector's middle half▲ 113%€131,279within the sector's middle half▲ 19.3%€122,039within the sector's middle half▼ 7.0%€141,389within the sector's middle half▲ 15.9%€129,052within the sector's middle half▼ 8.7%
Debt€79,062▲ 72.5%€75,741▼ 4.2%€68,689▼ 9.3%€102,628▲ 49.4%€107,670▲ 4.9%
Working capital€29,894within the sector's middle half▲ 243%€54,953within the sector's middle half▲ 83.8%€53,033within the sector's middle half▼ 3.5%€37,602within the sector's middle half▼ 29.1%€17,229within the sector's middle half▼ 54.2%
Solvency28.2%within the sector's middle half▲ 16.7pp42.3%within the sector's middle half▲ 14.1pp43.7%within the sector's middle half▲ 1.4pp27.4%within the sector's middle half▼ 16.3pp16.6%within the sector's middle half▼ 10.8pp
Current ratio1.38within the sector's middle half▲ 0.171.73within the sector's middle half▲ 0.351.77within the sector's middle half▲ 0.051.37within the sector's middle half▼ 0.411.16within the sector's middle half▼ 0.21
Return on assets (ROA)30.0%above the sector's middle half▲ 21.2pp17.8%above the sector's middle half▼ 12.2pp-1.8%within the sector's middle half▼ 19.6pp-10.3%below the sector's middle half▼ 8.5pp-13.5%below the sector's middle half▼ 3.1pp
Staff (FTE)1within the sector's middle half1.4▲ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 €16,033 in 2024 against €13,002 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €129,052
Fixed assets
€4,153 ▲ 258%
Current assets
€124,899 ▼ 10.9%
Equity and liabilities €129,052
Equity
€21,382 ▼ 44.8%
Debt
€107,670 ▲ 4.9%
Debt's share of the balance-sheet total rises from 72.6% to 83.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€14,976▼
2023 · -€12,631
Cash flow
-€16,323▼
2023 · -€14,217
Quick ratio
0.72▼
2023 · 0.77
Debt to equity
5.04▲
2023 · 2.65
ROE
-81.3%▼
2023 · -37.6%
Interest coverage
-12.74▼
2023 · -8.93
Debt ≤ 1 year
€107,670▲
2023 · €102,628
Income taxes
€262▼
2023 · €277
Staff costs
€50,826▼
2023 · €53,133
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,294 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
6.0%
stopped otherwise
90%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,294 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €33,214 | €54,442 | €53,133 | €50,826 | ▼ 4.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €512 | €512 | €268 | €371 | €1,056 | ▲ 184% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €391 | - |
| Other operating charges640/8 | - | €1,713 | €731 | €917 | €1,248 | ▲ 36.1% |
| Gross operating margin9900 | €52,101 | €63,842 | €55,642 | €41,420 | €37,488 | ▼ 9.5% |
| Operating profit (loss)9901 | €38,414 | €28,403 | €201 | -€13,002 | -€16,033 | ▼ 23.3% |
| Financial income75/76B | - | €142 | €66 | €106 | €91 | ▼ 14.0% |
| Recurring financial income75 | €316 | €142 | €66 | €106 | €91 | ▼ 14.0% |
| Financial charges65/66B | - | €1,778 | €1,421 | €1,415 | €1,175 | ▼ 16.9% |
| Recurring financial charges65 | €1,756 | €1,778 | €1,421 | €1,415 | €1,175 | ▼ 16.9% |
| Profit (loss) for the period before taxes9903 | €36,974 | €26,767 | -€1,155 | -€14,311 | -€17,117 | ▼ 19.6% |
| Income taxes67/77 | €3,925 | €3,420 | €1,034 | €277 | €262 | ▼ 5.4% |
| Profit (loss) for the period9904 | €33,048 | €23,347 | -€2,189 | -€14,588 | -€17,379 | ▼ 19.1% |
| Profit (loss) for the period to be appropriated9905 | €33,048 | €23,347 | -€2,189 | -€14,588 | -€17,379 | ▼ 19.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €110,053 | €131,279 | €122,039 | €141,389 | €129,052 | ▼ 8.7% |
| Fixed assets21/28 | €1,097 | €585 | €317 | €1,159 | €4,153 | ▲ 258% |
| Tangible fixed assets22/27 | €1,097 | €585 | €317 | €1,159 | €4,153 | ▲ 258% |
| Plant, machinery and equipment23 | - | €103 | - | - | €1,106 | - |
| Furniture and vehicles24 | - | €482 | €317 | €1,159 | €3,046 | ▲ 163% |
| Current assets29/58 | €108,956 | €130,694 | €121,722 | €140,230 | €124,899 | ▼ 10.9% |
| Stocks and contracts in progress3 | €20,682 | €33,455 | €50,326 | €60,872 | €47,865 | ▼ 21.4% |
| Stocks30/36 | - | €33,455 | €50,326 | €60,872 | €47,865 | ▼ 21.4% |
| Amounts receivable within one year40/41 | €53,073 | €68,299 | €55,764 | €55,456 | €52,432 | ▼ 5.5% |
| Trade receivables40 | - | €67,352 | €52,569 | €51,573 | €47,241 | ▼ 8.4% |
| Other amounts receivable41 | - | €947 | €3,195 | €3,883 | €5,192 | ▲ 33.7% |
| Cash at bank and in hand54/58 | €34,538 | €27,632 | €14,245 | €23,086 | €23,746 | ▲ 2.9% |
| Deferred charges and accrued income490/1 | - | €1,309 | €1,387 | €816 | €856 | ▲ 4.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €110,053 | €131,279 | €122,039 | €141,389 | €129,052 | ▼ 8.7% |
| Equity10/15 | €30,991 | €55,538 | €53,350 | €38,761 | €21,382 | ▼ 44.8% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Other1109/19 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,240 | €1,240 | €1,240 | €1,240 | €1,240 | = |
| Non-distributable reserves130/1 | - | €1,240 | €1,240 | €1,240 | - | - |
| Reserves not available under the articles1311 | - | €1,240 | €1,240 | €1,240 | - | - |
| Distributable reserves133 | - | - | - | - | €1,240 | - |
| Profit (loss) carried forward14 | €17,351 | €35,698 | €33,510 | €18,921 | €1,542 | ▼ 91.8% |
| Amounts payable17/49 | €79,062 | €75,741 | €68,689 | €102,628 | €107,670 | ▲ 4.9% |
| Amounts payable within one year42/48 | €79,062 | €75,741 | €68,689 | €102,628 | €107,670 | ▲ 4.9% |
| Trade debts44 | €42,848 | €59,076 | €35,457 | €52,562 | €47,301 | ▼ 10.0% |
| Suppliers440/4 | - | €59,076 | €35,457 | €52,562 | €47,301 | ▼ 10.0% |
| Taxes, remuneration and social security45 | - | €6,938 | €13,417 | €12,007 | €12,241 | ▲ 2.0% |
| Taxes450/3 | - | €2,317 | €6,305 | €4,286 | €4,831 | ▲ 12.7% |
| Remuneration and social security454/9 | - | €4,621 | €7,112 | €7,720 | €7,410 | ▼ 4.0% |
| Other amounts payable47/48 | - | €9,727 | €19,815 | €38,059 | €48,127 | ▲ 26.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,048 | €23,347 | -€2,189 | -€14,588 | -€17,379 | ▼ 19.1% |
| + Depreciation and write-downs630 | €512 | €512 | €268 | €371 | €1,056 | ▲ 184% |
| Operating cash flow (approximation) | €33,560 | €23,859 | -€1,920 | -€14,217 | -€16,323 | ▼ 14.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,214 | -€4,050 | ▼ 234% |
| Change in cash | - | -€6,906 | -€13,387 | €8,841 | €660 | ▼ 92.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
State Gazette act
Appointment: DUJARDIN Florent (director)4 facts ▸
State Gazette act
Appointment: DUJARDIN Florent (director)
4 facts ▸
- General meeting, 01-04-2026
- Other statement, administrateur, gratuité du mandat d'administrateur
- Director appointment, DUJARDIN Florent (director)
- Other statement, administrateur actionnaire, maintien de l'activité de la société
22-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€17,379
Net result drops to -€17,379, the lowest in the series.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €33,048 ▲626%
Operating result €38,414, net result €33,048, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
1 director, last change in 2026
DUJARDIN Florent
CurrentDirector · since 14-08-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Durbuy · 1 establishment unit since 2012
Ground area
5,548 m²
Building footprint
707 m²
Volume, LiDAR
3,874 m³
2 parcels, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TERRAGUSTO
since 20122.208.039.011
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61024A0767/05A000 | Wallonia | 3,011 m² | 1 · 580 m² | 9.4 m · 2 fl. |
| 83009A0337/00T005 | Wallonia | 2,537 m² | 1 · 126 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| DUJARDIN Florent |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHamoir2.208.039.011
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Of 10,504 companies in this sector we hold annual accounts for 5,855. 4,196 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded24-02-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47251Retail sale of wines and spirits
47559Retail sale of other household articles
47750Retail sale of cosmetics and toilet articles
Contact
Phone
086/344704Hamoir
E-invoicing
Reachable via Peppol
Peppol ID
0208:0843937711
Registered
13-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.