Active BE 0806.548.268Private limited company

TERRALOC

Rue Beaudrifontaine 89 ·4801 Verviers, Belgium· 17 yrs active

Sector: Bouwrijp maken van terreinen (43120)

Conclusion Checked

The computed 12-month bankruptcy probability of TERRALOC is 1.0% (low). The 2024 annual accounts show equity of €204k and a net result of €19k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 11088 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€204k
Net result	€19k
Staff (FTE)	3
Better than sector	46%

Snowflake analysis 5 of 5 axes measured · computed by Checked

72 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 79

Profitability 47

Solvency 81

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.0% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2008, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

79 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~3.8%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	37.7%	40.9%	better than 46% of 11088 sector peers
Net result	€19k	€11k	better than 63% of 11070 sector peers
Equity	€204k	€34k	better than 94% of 11091 sector peers
Gross operating margin	€283k	€35k	better than 95% of 11060 sector peers
Staff costs	€135k	€25k	higher than 89% of 4038 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€739k

- 18-24

EBITDA

€142k

+5.8% 18-24

Net profit

€19k

-15.3% 18-24

Cash flow

€127k

+3.6% 18-24

Total assets

€542k

+0.4% 18-24

Equity

€204k

+10.4% 18-24

Working capital

€143k

+109.2% 18-24

Employees (FTE)

3

-3.2% 18-24

Staff costs

€135k

+10.2% 18-24

Income taxes

€8k

-10.9% 18-24

Dividends

€7k

-83.3% 18-24

Debt

€337k

-4.9% 18-24

Debt ≤ 1y

€143k

-9.9% 18-24

Debt > 1y

€194k

-0.8% 18-24

Current ratio

2.00

+39.8% 18-24

Quick ratio

2.00

+39.8% 18-24

Solvency

37.7%

+10.0% 18-24

Debt / equity

1.65

-13.8% 18-24

ROE

9.4%

-23.3% 18-24

ROA

3.5%

-15.6% 18-24

Net margin

3.1%

- 18-24

EBITDA margin

18.2%

- 18-24

Interest coverage

20.67

-60.8% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€142k
Net profit	€19k
Cash flow	€127k
Staff costs	€135k
Income taxes	€8k
Dividends	-
Total assets	€542k
Equity	€204k
Debt	€337k
of which ≤ 1y	€143k
of which > 1y	€194k
Working capital	€143k
Employees (FTE)	3.0

Ratios (computed)

	2024
Current ratio	2.00
Quick ratio	2.00
Working capital ratio	26.4%
Solvency	37.7%
Debt / equity	1.65
Long-term debt ratio	0.95
Interest coverage	20.67
Gross margin	-
Net margin	-
ROA	3.5%
ROE	9.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €255k · 47.1% Current assets €286k · 52.9%

Equity & liabilities

Equity €204k · 37.7% Debt €337k · 62.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€542k
Fixed assets	21/28	€255k
Tangible fixed assets	22/27	€249k
Financial fixed assets	28	€7k
Current assets	29/58	€286k
Amounts receivable within one year	40/41	€130k
Cash & bank	54/58	€36k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€542k
Equity	10/15	€204k
Contributions / capital	10/11	€19k
Reserves	13	€32k
Accumulated profits (losses)	14	€154k
Amounts payable	17/49	€337k
Amounts payable after one year	17	€194k
Amounts payable within one year	42/48	€143k
Trade debts payable within one year	44	€49k
Income statement
Gross operating margin	9900	€283k
Operating result	9901	€34k
Financial income	75	€40
Financial charges	65	€7k
Result before taxes	9903	€27k
Income taxes	67/77	€8k
Net result for the period	9904	€19k
Result to be appropriated	9905	€19k

You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Current directors & mandates

Dominique Claude François CARPENTIER
Director
State Gazette act 24402758 (05-06-2024)

Current
31-05-2024 → present
Dominique CARPENTIER
Director (executive)
State Gazette act 24402758 (05-06-2024)

Current
01-07-2022 → present
2 events
- 05-06-2024 Appointed· Director (executive)
- 01-07-2022 Appointed· Director

Former directors (1)

SOLOT David
Coadministrateur
State Gazette act 22128643 (28-10-2022)

Former
- → 01-07-2022

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Bouwrijp maken van terreinen(43120)
Legal form	Private limited company(610)
Incorporation	18-09-2008
Status	Active
Postal code	4801

Establishment units 1 location

TERRALOC

Rue Beaudrifontaine 89, 4801 VerviersBouw van autowegen en andere wegen

since 20082.173.437.824

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63074B0499/00P002	Wallonia	1,716 m²	1 · 138 m²	9.0 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

31-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

30-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

05-06-2024

State Gazette act Director changes

Audrey BROUN

2023

29-09-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

28-10-2022

State Gazette act Director changes

14-10-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

31-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

01-09-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

30-08-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

30-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

28-09-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

31-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 2 years ago

2024

05-06-2024 2 directors appointed Director changes·Audrey BROUN

Dominique Claude François CARPENTIER, Bestuurder
Dominique CARPENTIER, Directeur

Notary: Audrey BROUN · Dison

Original publication ↗

Technical details

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2022

28-10-2022 1 director appointed, 1 resigning Director changes

CARPENTIER Dominique, Bestuurder
SOLOT David, Coadministrateur

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Bouwrijp maken van terreinen43120Bouwrijp maken van terreinen43120Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Verhuur en lease van machines en installaties voor de bouwnijverheid en de weg- en waterbouw77320Verhuur en lease van machines en installaties voor de bouwnijverheid en de weg- en waterbouw77320

Primary activity highlighted.

Names & trade names

Legal nameFR

TERRALOC

Registered office

Rue Beaudrifontaine 89

4801 Verviers, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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