Terre de Sens
ActiveTerre de Sens has been active since 1940 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.45M and a net result of €15k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 79% of 500 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+37
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 10.24 against 13.51 in 2024; short-term debt: 9.1% and cash: 14% of total assets), and 13.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.7%
Return on assets
0.9%
Age of the figures
9 mo
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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
286 d late
2023
651 d late
2022
928 d late
2021
232 d late
2019
65 d early
2018
40 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€2.64M▲ 16.4%
2024 · €2.27M
2021: €647k
2022: €1.84M
2023: €2.50M
2024: €2.27M
2021 → 2025
EBIT margin
0.2%▲ 1.3pp
2024 · -1.1%
2021: -6.9%
2022: -0.4%
2023: 4.5%
2024: -1.1%
2021 → 2025
Net result
€15k
2024 · €-19k
2018: €27k
2019: €77k
2021: €-46k
2022: €-10k
2023: €112k
2024: €-19k
2018 → 2025
Working capital
€1.41M▲ 2.0%
2024 · €1.38M
2018: €1.31M
2019: €1.42M
2021: €1.23M
2022: €1.27M
2023: €1.33M
2024: €1.38M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€647k-€1.84M▲ 184%€2.50M▲ 36.1%€2.27M▼ 9.1%€2.64M▲ 16.4%
Equity€1.34M-€1.33M▼ 0.7%€1.44M▲ 8.4%€1.44M=€1.45M▲ 1.1%
Operating result€-44k-€-8k▲ 82.9%€113k€-25k€5k
Net result€-46k-€-10k▲ 78.8%€112k€-19k€15k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €25k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.68M
Fixed assets
€114k▼ 7.6%
Current assets
€1.56M▲ 4.6%
Equity and liabilities €1.68M
Equity
€1.45M▲ 1.1%
Debt
€222k▲ 25.0%
The debt ratio rises from 11.0% to 13.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €-12k
Cash flow
€25k▲
2024 · €-6k
Solvency
86.7%▼
2024 · 89.0%
Current ratio
10.24▼
2024 · 13.51
Quick ratio
10.24▼
2024 · 13.51
Debt / equity
0.15▲
2024 · 0.12
ROE
1.0%▲
2024 · -1.4%
ROA
0.9%▲
2024 · -1.2%
Interest coverage
8.77▲
2024 · -7.16
Debt
€222k▲
2024 · €178k
Debt ≤ 1 year
€153k▲
2024 · €111k
Income taxes
€-2k
Staff costs
€262k▲
2024 · €250k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.62M€1.68M▲
Fixed assets21/28€123k€114k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€123k€114k▼
Land and buildings22€118k€110k▼
Plant, machinery and equipment23€2k€403▼
Furniture and vehicles24€4k€4k▼
Current assets29/58€1.49M€1.56M▲
Amounts receivable within one year40/41€54k€20k▼
Trade receivables40€40k€0▼
Other amounts receivable41€14k€20k▲
Current investments50/53€1.12M€1.27M▲
Cash at bank and in hand54/58€299k€235k▼
Deferred charges and accrued income490/1€19k€36k▲
Equity and liabilities
Total equity and liabilities10/49€1.62M€1.68M▲
Equity10/15€1.44M€1.45M▲
Contributions10/11€757k€757k=
Capital10€757k€757k=
Profit (loss) carried forward14€682k€697k▲
Amounts payable17/49€178k€222k▲
Amounts payable within one year42/48€111k€153k▲
Financial debts43€254€225▼
Credit institutions430/8€254€225▼
Trade debts44€78k€119k▲
Suppliers440/4€78k€119k▲
Taxes, remuneration and social security45€32k€34k▲
Taxes450/3€18€177▲
Remuneration and social security454/9€32k€33k▲
Accrued charges and deferred income492/3€67k€70k▲
Income statement
Code20242025
Turnover70€2.27M€2.64M▲
Goods, raw materials, services and sundry goods60/61€2.00M€2.34M▲
Remuneration, social security and pensions62€250k€262k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€34k€26k▼
Gross operating margin9900€272k€303k▲
Operating profit (loss)9901€-25k€5k▲
Financial income75/76B€7k€9k▲
Recurring financial income75€7k€9k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-19k€13k▲
Income taxes67/77-€-2k
Profit (loss) for the period9904€-19k€15k▲
Profit (loss) for the period to be appropriated9905€-19k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€682k€697k▲
Profit (loss) brought forward from the previous period14P€701k€682k▼
Social balance
Average headcount (FTE)9087-3.9
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
13-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 286 days late
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 651 days late
13-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 928 days late
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
2023
31-12
Financial
Back to profitnet €112k
Net result €112k after 2 loss-making years.
20-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 232 days late
2021
31-12
Financial
Weakest financial yearnet €-46k ▼160%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 64.42
Current ratio from 25.36 to 64.42; short-term debt falls from €58k to €19k.
2020
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 40 days late
2018
17-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Namur · 1 establishment unit since 2003
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.
Rue du Séminaire 65000 NamurGround area
480 m²
Building footprint
201 m²
Volume, LiDAR
2,166 m³
Parcel 92094C1171/00S000, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Terre de Sens
since 20032.195.750.792
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C1171/00S000 | Wallonia | 480 m² | 1 · 201 m² | 13.9 m · 4 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
Legal Entity Identifier
967600BOGAMLSI794W60
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Of 3,134 companies in sector 94999 we hold annual accounts for 707. 447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded11-12-1940
Fiscal year end31-12
Activities, NACEBEL
94999Other membership organisations
94910Activities of religious organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.