Skip to content

Terramer

Active Risk: moderate
Non-profit associationfounded 2023active for 3 yearsRue de Spa 19, 4020 Liège, BelgiumKBO/BCE: BE 0798.201.221
Summary

The computed 12-month bankruptcy probability of Terramer is 2.1% (moderate). The association has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. A small non-profit association files its annual accounts with the court registry, not with the National Bank.

Risk analysisFollow ReportCompare
TerramerActive
Risk analysis ReportCompare

Overview

Activity
Activity not known
Size
No accounts at the National Bank; small associations file with the court registry
Financial health
Bankruptcy probabilitywithin 12 months
2.1%
No score: no figures
Structure
Signalsraises riskFounded in 20231 change of registered office in 24 monthsNo main activity registeredlowers riskLegal form: non-profit associationShow the evidence

Bankruptcy probability

Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%

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

Last 24 months 11-2024: 0.6%lowest value 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.8%▲ +0.2 percentage points vs 02-2025 04-2025: 2.4%▲ +1.6 percentage points vs 03-2025highest value 05-2025: 2.4%● unchanged vs 04-2025highest value 06-2025: 2.4%● unchanged vs 05-2025highest value 07-2025: 2.4%● unchanged vs 06-2025highest value 08-2025: 2.4%● unchanged vs 07-2025 09-2025: 2.3%▼ -0.1 percentage points vs 08-2025 10-2025: 2.3%● unchanged vs 09-2025 11-2025: 2.1%▼ -0.2 percentage points vs 10-2025 12-2025: 2.1%● unchanged vs 11-2025 01-2026: 2.1%● unchanged vs 12-2025 02-2026: 2.1%● unchanged vs 01-2026 03-2026: 2.1%● unchanged vs 02-2026 04-2026: 2.1%● unchanged vs 03-2026 05-2026: 2.1%● unchanged vs 04-2026 06-2026: 2.1%● unchanged vs 05-2026 07-2026: 2.1%● unchanged vs 06-2026 08-2026: 2.1%● unchanged vs 07-2026 09-2026: 2.1%● unchanged vs 08-2026 10-2026: 2.1%● unchanged vs 09-2026
Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Four signals.
lowers riskraises risk
lowers risk · Legal form: non-profit association
KBO
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · No main activity registered
KBO
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Resignation: Thibault Dechesne (director)Registered-office move
  2. IncorporationAppointments: Dechesne Thibault, Garsou Sam…

Financials

No annual accounts filed
No annual accounts of this association are filed with the National Bank. A non-profit association files its accounts with the registry of the enterprise court; only large associations file with the National Bank.

Subsidies and aid

Wallonia-Brussels Federation

2023 · 1 entry · €1,000 in total

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
under verification, no change since 2025
This board is reconstructed from a single act (23312444). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Garsou Sam
Director · since 09-02-2023
Current
Onan Lucas
Director · since 09-02-2023
Current
Ruffo Loïck
Director · since 09-02-2023
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

4 people since 2023, 3 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
Garsou Sam
  • Director, from 09-02-2023 to date
Onan Lucas
  • Director, from 09-02-2023 to date
Ruffo Loïck
  • Director, from 09-02-2023 to date
Thibault Dechesne
  • Director, from 09-02-2023 to 17-03-2025
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 09-02-2023 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Group and network

Connections & network

3 current directors
Depth

The 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, zoom with the mouse wheel.

History

On 7 February 2023, Terramer was incorporated as a non-profit association by four natural persons.12 In 2025 the registered office moved to Liège.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 09-02-2023
  3. 3Belgian Official Gazette, 17-03-2025

Acts, filings and financial milestones

2025
17-03
Gazette deed Resignation: Thibault Dechesne (director)
Registered-office move7 facts ▸
  • General meeting, 20-11-2024
  • Other provision, “soussigné, 5A,Stockay,4845 Jalhay” (deed in French)
  • Other provision, “soussigné, 19,Rue de Spa,4020 Liège” (deed in French)
  • Other provision, “soussigné, 19,Avenue André Grégoire,4970 Stavelot” (deed in French)
  • Director resignation, Thibault Dechesne (director)
  • Other provision, “Réélection,nomination d'administrateurs, aucun nom imprimé sous cette rubrique” (deed in French)
  • Registered-office move, Rue de Spa,19 boite 1,4020 Liège
2023
09-02
Gazette deed Incorporation
Appointments: Dechesne Thibault, Garsou Sam and 2 others · Founder · Power of attorney10 facts ▸
  • Incorporation, 10-01-2023
  • Founder, Garsou Sam
  • Founder, Ruffo Loïck
  • Founder, Onan Lucas
  • Founder, Dechesne Thibault
  • Director appointment, Dechesne Thibault (director)
  • Director appointment, Garsou Sam (director)
  • Director appointment, Onan Lucas (director)
  • Director appointment, Ruffo Loïck (director)
  • Power of attorney, Ruffo Loïck
Gazette deed
2 of 2 deeds read

Register details

Identification
Legal formNon-profit association
Founded07-02-2023
Abbreviation FR TM
Contact
E-mail terramer.jam@gmail.com
E-invoicing
Not found in the Peppol Directory

No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if you send it electronically, you need their agreement on a secure channel. The invoice remains valid; it is the customer, not you, who risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 31 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Liège
exact location from the address register On OpenStreetMap
Ground area
129 m²
Building footprint
63 m²
Building volume
958 m³
Parcel 62806C0619/00V000, Wallonia · tallest building 16.4 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
62806C0619/00V000 Wallonia 129 m² 1 · 63 m² 16.4 m · 5
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
Terramer
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Liège, Wallonne” (deed in French)

deed of 09-02-2023

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Organe d’administration, 3” (deed in French)
“4, ans” (deed in French)

deed of 09-02-2023

Capital, shares and profit

Membership ruleWho can become a member or partner, and on what terms.
“3” (deed in French)
“Organe d’administration, comparants au présent acte” (deed in French)
“Après l'avoir entendu en ses explications et moyens de défense, majorité simple des voix présentes et représentées” (deed in French)
“Le membre contresigne la mention de son admission, siège social” (deed in French)
1 more provision on this in the deed

deed of 09-02-2023

Meetings and financial year

Financial yearThe twelve-month period the company draws up its annual accounts for.
From 1 January to 31 December

deed of 09-02-2023

Oversight and winding up

Dissolution ruleWhen and by whom the company can be dissolved.
“Assemblée générale, article 13 code des sociétés et des associations” (deed in French)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
One provision in the deed

deed of 09-02-2023

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Procès-verbaux de l’organe d’administration, consignés dans un registre spécifique, consultable par les membres à leur demande” (deed in French)
Other provision: “Pouvoirs de l’organe d’administration, les plus étendus pour l'administration et la gestion” (deed in French)
Other provision: “Conjointement, gestion journalière et représentation” (deed in French)
Other provision: “Non-obligation personnelle et assurance administrateurs, responsabilité des administrateurs” (deed in French)
Other provision: “Assemblée générale, attributions assemblée générale” (deed in French)
Other provision: “Président organe d’administration,à défaut vice-président, réunions assemblée générale convocation ordre du jour” (deed in French)
Other provision: “Procès-verbaux assemblée générale, registre spécifique” (deed in French)
Other provision: “Ressources cotisation, organe d’administration” (deed in French)
5 more provisions in the deed, see the deed of 09-02-2023

deed of 09-02-2023

We would like to set cookies. That happens only with your consent. What we measure