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Terram Sud

Active
Public limited companyfounded 20197 yrs activeRue Jean-Baptiste Vifquain(S-B) 16, 7110 La Louvière, BelgiumKBO/BCE: BE 0729.642.116
Summary

The computed 12-month bankruptcy probability of Terram Sud is 2.5% (moderate). The 2025 annual accounts show equity of €440,826 and a net result of -€964. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 19% of 2204 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Terram SudActiveChecked score 50/100
Risk analysis ReportCompare

Overview

Activity
General electrical installation work
NACE 43211Other specialised construction activities NACE 43990NACE 43999
1 site
Size
€2.4mtotal assets 2025
Staff
9.9 FTE
Equity
€440,826
Loss
-€964
Financial health
50 Fair Checked score 2025
Bankruptcy chance 12 m
2.5%
Structure
Parent
JACOPS · 100%
Accounts 18 d early0 of 5 deeds read
Why 50- 1 change of registered office in 24 months- Size: 9.9 FTE, total assets €2.4m- Founded in 2019+ Figures for FY 2025 (filed 13-07-2026)Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 19% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 43+10
equity 18.3% of total assets
Liquidity 8+7
short-term debt 81.7% · cash 2.5%
Profitability 36-4
return on assets 0.0%
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)
Last 13 months 10-2025: 2.5% 11-2025: 2.5%● 0.0% vs 10-2025 12-2025: 2.5%● 0.0% vs 11-2025 01-2026: 2.5%● 0.0% vs 12-2025 02-2026: 2.5%● 0.0% vs 01-2026 03-2026: 2.5%▲ +1.4% vs 02-2026 04-2026: 2.8%▲ +11.1% vs 03-2026 05-2026: 3.3%▲ +18.2% vs 04-2026 06-2026: 3.5%▲ +3.9% vs 05-2026 07-2026: 3.7%▲ +6.6% vs 06-2026highest value 08-2026: 2.5%▼ -33.3% vs 07-2026lowest value 09-2026: 2.5%● 0.0% vs 08-2026lowest value 10-2026: 2.5%● 0.0% vs 09-2026lowest value
  • Figures for FY 2025 (filed 13-07-2026) lowers the probability
  • 1 change of registered office in 24 months raises the probability
  • Size: 9.9 FTE, total assets €2.4m raises the probability for this profile
  • Founded in 2019 raises the probability for this profile
Credit up to €22,000 at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.98 in 2024; short-term debt: 81.7% and cash: 2.5% of total assets), and 81.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 20%, liquidity 5%, profitability 18%, growth against the median 33%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Figures for FY 2025 (filed 13-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Size: 9.9 FTE, total assets €2.4m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Founded in 2019
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2204 sector peers (2025).
NBB · sector comparison
Position among 2204 sector peers
Solvency
better than 19%
← weakest strongest →
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 · 6 filings
Deviation from the deadline
2025
18 d early
2024
8 d early
2023
8 d late
2022
on the day
2021
10 d early
2020
25 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 23 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Weakest financial yearnet -€964
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: From profit to loss in 2025after €56,934 in 2024 -€964 View
  • Caution: Among the weakest 19% on solvencysector median 42.4% · 2,204 companies 18.3% View
  • Controlled by JACOPSultimately: Indel Invest 100% View

By topic

Financials

Fiscal year
2025
Total assets
€2.4m
Loss
-€964
Solvency
18.3%
Turnover▲ 30.3%
Net result
20202022
Go to Financials

Timeline

Events
8
Since
2021
Next accounts
by 31-07-2027
  1. 13-07-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 23-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
General electrical installation workNACE 43211
Founded
01-07-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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