Financials
- Fiscal year
- 2025
- Total assets
- €1.1m
- Loss
- -€654
- Solvency
- 2.2%
TERRANO
ActiveSummary
TERRANO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24,346 and a net result of -€654. Its solvency ranks better than 10% of 10557 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€1.1mtotal assets 2025
- Equity
- €24,346
- Loss
- -€654
Turnover not published (abridged schema)
Structure
Accounts 8 d early0 of 1 deed read
Why 68- Liquidity: current ratio 0.70- Founded in 2024+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €1.1mShow the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 40% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength
Average
Solvency
27
equity 2.2% of total assets
Liquidity
96
short-term debt 13.3%
Profitability
39
return on assets -0.1%
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 0.4%lowest value
09-2025: 0.4%▲ +2.2% vs 08-2025
10-2025: 0.4%● 0.0% vs 09-2025
11-2025: 0.4%▲ +3.3% vs 10-2025
12-2025: 0.4%▲ +0.5% vs 11-2025
01-2026: 0.4%▲ +11.6% vs 12-2025
02-2026: 0.5%▲ +14.4% vs 01-2026
03-2026: 0.5%▲ +0.8% vs 02-2026
04-2026: 0.5%▲ +3.1% vs 03-2026
05-2026: 0.5%▼ -1.4% vs 04-2026
06-2026: 0.6%▲ +11.3% vs 05-2026
07-2026: 0.6%▲ +5.6% vs 06-2026
08-2026: 0.7%▲ +20.9% vs 07-2026highest value
09-2026: 0.7%● 0.0% vs 08-2026highest value
10-2026: 0.7%● 0.0% vs 09-2026highest value
- Liquidity: current ratio 0.70 raises the probability
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Size: total assets €1.1m lowers the probability for this profile
- Founded in 2024 raises the probability for this profile
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.7; short-term debt: 13.3% of total assets), and 97.8% 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 70, micro). Better than this share of them on solvency 11%, liquidity 90%, profitability 19%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 10557 sector peers (2025).
NBB · sector comparisonPosition among 10557 sector peers
Solvency
better than 10%
← 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 23-07-2026, 8 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
8 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · abbreviated…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 23-07-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 15-07-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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