TERRE ET EAU
ActiveFor TERRE ET EAU, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €29k and a net result of €9k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 5895 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability92▲+25
Solvency85▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
60%
Return on assets
18.5%
Age of the figures
30 mo
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 not filed
The financial year that closed on 31-03-2025 was due at the National Bank by 31-10-2025. Nothing is on record, 324 days later.
NBB · 10 filingsPosition against the passed deadline
31-03-2025 close31-10-2025 deadline20-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2024 was due by 31-10-2024 and was filed on 28-10-2024, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
3 d early
2023
on the day
2022
7 d early
2021
30 d early
2020
3 d early
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€29k▲ 44.6%
2023 · €20k
2019: €-2k
2020: €8k
2021: €13k
2022: €21k
2023: €20k
2019 → 2024
Total assets
€48k▼ 7.3%
2023 · €52k
2019: €44k
2020: €36k
2021: €52k
2022: €58k
2023: €52k
2019 → 2024
Net result
€9k
2023 · €-874
2019: €-2k
2020: €10k
2021: €6k
2022: €7k
2023: €-874
2019 → 2024
Working capital
€10k▲ 112%
2023 · €5k
2019: €-11k
2020: €2k
2021: €-748
2022: €6k
2023: €5k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€8k-€13k▲ 69.5%€21k▲ 54.3%€20k▼ 4.2%€29k▲ 44.6%
Operating result€10k-€6k▼ 40.1%€11k▲ 77.4%€127▼ 98.8%€13k▲ 9,820%
Net result€10k-€6k▼ 42.1%€7k▲ 32.5%€-874€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 9,820% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €48k
Fixed assets
€21k▼ 13.7%
Current assets
€26k▼ 1.5%
Equity and liabilities €48k
Equity
€29k▲ 44.6%
Debt
€19k▼ 39.8%
The debt ratio falls from 61.5% to 40.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▲
2023 · €9k
Cash flow
€18k▲
2023 · €8k
Solvency
60.0%▲
2023 · 38.5%
Current ratio
1.59▲
2023 · 1.21
Quick ratio
1.44▲
2023 · 1.02
Debt / equity
0.67▼
2023 · 1.60
ROE
30.9%▲
2023 · -4.4%
ROA
18.5%▲
2023 · -1.7%
Interest coverage
68.08▲
2023 · 24.33
Debt
€19k▼
2023 · €32k
Debt ≤ 1 year
€17k▼
2023 · €22k
Debt > 1 year
€2k▼
2023 · €8k
Income taxes
€3k▲
2023 · €632
Staff costs
€5k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€52k€48k▼
Fixed assets21/28€25k€21k▼
Tangible fixed assets22/27€25k€21k▼
Plant, machinery and equipment23€2k€6k▲
Furniture and vehicles24€19k€12k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€77€77=
Current assets29/58€27k€26k▼
Stocks and contracts in progress3€4k€2k▼
Stocks30/36€4k€2k▼
Amounts receivable within one year40/41€10k€13k▲
Trade receivables40€10k€13k▲
Cash at bank and in hand54/58€11k€11k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€52k€48k▼
Equity10/15€20k€29k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€1k€10k▲
Amounts payable17/49€32k€19k▼
Amounts payable after more than one year17€8k€2k▼
Financial debts170/4€8k€2k▼
Amounts payable within one year42/48€22k€17k▼
Current portion of amounts payable after more than one year42€5k€5k=
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€6k€6k▲
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48-€1k
Accrued charges and deferred income492/3€2k-
Income statement
Code20232024
Remuneration, social security and pensions62€2k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€575
Other operating charges640/8€616€1k▲
Gross operating margin9900€12k€29k▲
Operating profit (loss)9901€127€13k▲
Financial income75/76B€0€10▲
Recurring financial income75€0€10▲
Financial charges65/66B€369€315▼
Recurring financial charges65€369€315▼
Profit (loss) for the period before taxes9903€-242€12k▲
Income taxes67/77€632€3k▲
Profit (loss) for the period9904€-874€9k▲
Profit (loss) for the period to be appropriated9905€-874€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€10k▲
Profit (loss) brought forward from the previous period14P€2k€1k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
25-09
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
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, Gembloux · 1 establishment unit since 2009
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 Petit-Leez, Gd-L. 1405031 GemblouxGround area
1.2 ha
Parcel 92056E0521/00F002, Wallonia. Linked by address, not a title deed.
1 establishment unit
TERRE ET EAU
since 20092.180.882.177
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92056E0521/00F002 | Wallonia | 1.2 ha | - | - |
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.
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Of 21,219 companies in sector 81300 we hold annual accounts for 4,363. 3,371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2009
Fiscal year end31-03
Activities, NACEBEL
81300Landscape service activities
58290Other software publishing
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.