TERRASSEMENTS LIEGEOIS ET CONSTRUCTIONS
ActiveSummary
TERRASSEMENTS LIEGEOIS ET CONSTRUCTIONS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €113k and a net result of €4k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 3549 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability52▲+6
Solvency43▼-5
Growth74▼-5
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.1 in 2023; short-term debt: 68.5% and cash: 2% of total assets), and 81.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
18.4%
Return on assets
0.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3549 sector peers (2024).
NBB · sector comparisonPosition among 3549 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
35 d early
2022
31 d late
2021
16 d early
2020
123 d late
2019
139 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€863k▼ 0.7%
2023 · €869k
2018: €0
2020: €581k
2021: €882k
2022: €930k
2023: €869k
2018 → 2024
EBIT margin
8.5%▲ 5.2pp
2023 · 3.3%
2020: 4.1%
2021: 1.4%
2022: 4.2%
2023: 3.3%
2020 → 2024
Net result
€4k▲ 246%
2023 · €1k
2018: €-3k
2019: €7k
2020: €7k
2021: €6k
2022: €20k
2023: €1k
2018 → 2024
Working capital
€45k▲ 60.4%
2023 · €28k
2018: €42k
2019: €56k
2020: €41k
2021: €19k
2022: €39k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€581k-€882k▲ 51.6%€930k▲ 5.4%€869k▼ 6.6%€863k▼ 0.7%
Equity€72k-€88k▲ 22.3%€108k▲ 22.7%€109k▲ 1.2%€113k▲ 4.0%
Operating result€24k-€13k▼ 47.1%€39k▲ 211%€29k▼ 25.9%€74k▲ 154%
Net result€7k-€6k▼ 19.5%€20k▲ 242%€1k▼ 93.7%€4k▲ 246%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 154% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €617k
Fixed assets
€149k ▼ 6.3%
Current assets
€468k ▲ 53.4%
Equity and liabilities €617k
Equity
€113k ▲ 4.0%
Debt
€504k ▲ 41.7%
Debt's share of the balance-sheet total rises from 76.5% to 81.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€128k▲
2023 · €63k
Cash flow
€59k▲
2023 · €36k
Current ratio
1.11▲
2023 · 1.10
Quick ratio
0.56▼
2023 · 0.94
Debt to equity
4.44▲
2023 · 3.26
ROE
3.8%▲
2023 · 1.2%
ROA
0.7%▲
2023 · 0.3%
Interest coverage
2.27▼
2023 · 3.02
Debt ≤ 1 year
€423k▲
2023 · €277k
Debt > 1 year
€81k▲
2023 · €78k
Income taxes
€18k▲
2023 · €8k
Staff costs
€397k▼
2023 · €438k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€465k€617k▲
Fixed assets21/28€159k€149k▼
Intangible fixed assets21€2k-
Tangible fixed assets22/27€151k€143k▼
Plant, machinery and equipment23€103k€78k▼
Furniture and vehicles24€16k€46k▲
Leasing and similar rights25€31k€18k▼
Other tangible fixed assets26€973€537▼
Financial fixed assets28€7k€7k=
Current assets29/58€305k€468k▲
Amounts receivable after more than one year29€80k€80k=
Trade receivables290€80k€80k=
Stocks and contracts in progress3€44k€229k▲
Stocks30/36€13k€75k▲
Contracts in progress37€32k€154k▲
Amounts receivable within one year40/41€165k€140k▼
Trade receivables40€153k€95k▼
Other amounts receivable41€12k€45k▲
Cash at bank and in hand54/58€8k€12k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€465k€617k▲
Equity10/15€109k€113k▲
Contributions10/11€70k€70k=
Profit (loss) carried forward14€39k€43k▲
Amounts payable17/49€356k€504k▲
Amounts payable after more than one year17€78k€81k▲
Financial debts170/4€78k€81k▲
Amounts payable within one year42/48€277k€423k▲
Current portion of amounts payable after more than one year42€26k€34k▲
Financial debts43€2k€54k▲
Credit institutions430/8€2k€54k▲
Trade debts44€92k€125k▲
Suppliers440/4€92k€125k▲
Taxes, remuneration and social security45€158k€210k▲
Taxes450/3€15k€48k▲
Remuneration and social security454/9€143k€162k▲
Other amounts payable47/48€326€416▲
Income statement
Code20232024
Turnover70€869k€863k▼
Remuneration, social security and pensions62€438k€397k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€55k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€507k€530k▲
Operating profit (loss)9901€29k€74k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€21k€57k▲
Recurring financial charges65€21k€57k▲
Profit (loss) for the period before taxes9903€10k€22k▲
Income taxes67/77€8k€18k▲
Profit (loss) for the period9904€1k€4k▲
Profit (loss) for the period to be appropriated9905€1k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€43k▲
Profit (loss) brought forward from the previous period14P€38k€39k▲
Social balance
Average headcount (FTE)90878.07.4▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €20k ▲242%
Net result €20k, the highest in the series.
31-12
Financial
Equity above €100kEq €108k ▲22.7%
4 profitable years in a row build equity to €108k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 123 days late
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 139 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Juprelle · 1 establishment unit since 2001
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chaussée de Tongres 4144450 JuprelleGround area
174 m²
Building footprint
64 m²
Volume, LiDAR
553 m³
Parcel 62060A0352/00K000, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Tongres 414, 4450 Juprelle
since 20012.094.244.945
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62060A0352/00K000 | Wallonia | 174 m² | 1 · 64 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
33 categoriesTERRASSEMENTS LIEGEOIS ET CONSTRUCTIONS SRL41402
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Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,648 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2000
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
37000Sewerage
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.