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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe 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.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 31-08-2025 | 31 d late | 2025-00471513 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00430607 |
| 31-12-2022 | 31-07-2023 | 29-09-2023 | 60 d late | 2023-00463805 |
| 31-12-2021 | 31-07-2022 | 14-10-2022 | 75 d late | 2022-20463583 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-60600037 |
| 31-12-2019 | 31-07-2020 | 01-09-2020 | 32 d late | 2020-49300091 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-59300300 |
| 31-12-2017 | 31-07-2018 | 30-08-2018 | 30 d late | 2018-53300071 |
| 31-12-2016 | 31-07-2017 | 28-09-2017 | 59 d late | 2017-63100414 |
| 31-12-2015 | 31-07-2016 | 31-08-2016 | 31 d late | 2016-51300282 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
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 Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.0%
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?
Financials
Turnover€739k
EBIT margin4.6%
Net result€19k-15.3%
Working capital€143k+109.2%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro
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% | |
| Net result | €19k | €11k | |
| Equity | €204k | €34k | |
| Gross operating margin | €283k | €35k | |
| Staff costs | €135k | €25k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P46
Stable position over 2020-2024
· n=1633-11088
P63
Improving position over 2020-2024
· n=1626-11070
P94
Stable position over 2020-2024
· n=1635-11091
P95
Stable position over 2020-2024
· n=1624-11060
Describes the position versus peers, not a forecast.
€739k
-
18-24
€142k
+5.8%
18-24
€19k
-15.3%
18-24
€127k
+3.6%
18-24
€542k
+0.4%
18-24
€204k
+10.4%
18-24
€143k
+109.2%
18-24
3
-3.2%
18-24
€135k
+10.2%
18-24
€8k
-10.9%
18-24
€7k
-83.3%
18-24
€337k
-4.9%
18-24
€143k
-9.9%
18-24
€194k
-0.8%
18-24
2.00
+39.8%
18-24
2.00
+39.8%
18-24
37.7%
+10.0%
18-24
1.65
-13.8%
18-24
9.4%
-23.3%
18-24
3.5%
-15.6%
18-24
3.1%
-
18-24
18.2%
-
18-24
20.67
-60.8%
18-24
Figures by fiscal year
| 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
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.
Health barometer
FY 2024 · computed79
/ 100
Excellent
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.
Directors
Directors & mandates
3 directorsCurrent directors & mandates
-
Dominique Claude François CARPENTIERDirectorState Gazette act 24402758 (05-06-2024)Current31-05-2024 → present
-
Dominique CARPENTIERDirector (executive)State Gazette act 24402758 (05-06-2024)Current01-07-2022 → present
2 events
- 05-06-2024 Appointed· Director (executive)
- 01-07-2022 Appointed· Director
Former directors (1)
-
SOLOT DavidCoadministrateurState 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.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Bouwrijp maken van terreinen(43120) |
| Legal form | Private limited company(610) |
| Incorporation | 18-09-2008 |
| Status | Active |
| Postal code | 4801 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationTERRALOC
since 20082.173.437.824
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,716 m²
Buildings1
Building footprint139 m²
Volume (LiDAR)914 m³
Tallest building9.0 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 2 years ago
2024
05-06-2024 2 directors appointed
- Dominique Claude François CARPENTIER, Bestuurder
- Dominique CARPENTIER, Directeur
Notary:
Audrey BROUN · Dison
2022
28-10-2022 1 director appointed, 1 resigning
- CARPENTIER Dominique, Bestuurder
- SOLOT David, Coadministrateur
Analysis
Snowflake analysis
financial profile on 5 axes72
/ 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
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 936 of the 8,409 companies in this sector. 681 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
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.