TERRE ET VINS
ActiveThe file of TERRE ET VINS contains 1 judicial reorganisation, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 20.3% (high). The 2024 annual accounts show equity of €44k and a net result of €23k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 18942 sector peers (fiscal year 2024).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A high bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-9
Solvency59▼-3
Growth78=
Track record60
Bankruptcy probability, 12 months
20.3%
High
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.33 against 1.23 in 2023; short-term debt: 66% and cash: 53.9% of total assets), and 66% 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.
+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 56
Relative position
BE, all sectors
reference
Sector 56
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
34%
Return on assets
17.5%
Age of the figures
21 mo
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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
49 d late
2022
31 d late
2021
29 d late
2020
86 d late
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€44k▼ 0.4%
2023 · €45k
2018: €-9k
2019: €-49k
2020: €-34k
2021: €47k
2022: €45k
2023: €45k
2018 → 2024
Total assets
€131k▲ 7.1%
2023 · €122k
2018: €78k
2019: €43k
2020: €49k
2021: €119k
2022: €157k
2023: €122k
2018 → 2024
Net result
€23k▼ 27.2%
2023 · €31k
2018: €5k
2019: €-40k
2020: €15k
2021: €94k
2022: €41k
2023: €31k
2018 → 2024
Working capital
€29k▲ 58.4%
2023 · €18k
2018: €-9k
2019: €-49k
2020: €-34k
2021: €37k
2022: €13k
2023: €18k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-34k-€47k€45k▼ 3.4%€45k▼ 1.5%€44k▼ 0.4%
Operating result€21k-€81k▲ 292%€65k▼ 18.9%€46k▼ 29.6%€34k▼ 25.9%
Net result€15k-€94k▲ 524%€41k▼ 56.2%€31k▼ 23.7%€23k▼ 27.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 26% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €131k
Fixed assets
€16k▼ 40.5%
Current assets
€115k▲ 20.3%
Equity and liabilities €131k
Equity
€44k▼ 0.4%
Debt
€86k▲ 11.4%
The debt ratio rises from 63.4% to 66.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€46k▼
2023 · €57k
Cash flow
€35k▼
2023 · €43k
Solvency
34.0%▼
2023 · 36.6%
Current ratio
1.33▲
2023 · 1.23
Quick ratio
1.30▲
2023 · 1.23
Debt / equity
1.94▲
2023 · 1.73
ROE
51.3%▼
2023 · 70.1%
ROA
17.5%▼
2023 · 25.7%
Interest coverage
11.39▼
2023 · 11.77
Debt
€86k▲
2023 · €77k
Debt ≤ 1 year
€86k▲
2023 · €77k
Income taxes
€7k▼
2023 · €10k
Staff costs
€50k▼
2023 · €52k
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€122k€131k▲
Fixed assets21/28€27k€16k▼
Tangible fixed assets22/27€26k€16k▼
Plant, machinery and equipment23€10k€6k▼
Furniture and vehicles24€14k€8k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€260€260=
Current assets29/58€95k€115k▲
Stocks and contracts in progress3-€3k
Stocks30/36-€3k
Amounts receivable within one year40/41€6k€21k▲
Trade receivables40€2k€7k▲
Other amounts receivable41€4k€14k▲
Cash at bank and in hand54/58€68k€70k▲
Deferred charges and accrued income490/1€21k€20k▼
Equity and liabilities
Total equity and liabilities10/49€122k€131k▲
Equity10/15€45k€44k▼
Contributions10/11€19k€19k=
Reserves13€25k€25k=
Tax-exempt reserves132€25k€25k=
Profit (loss) carried forward14€2k€1k▼
Amounts payable17/49€77k€86k▲
Amounts payable within one year42/48€77k€86k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€30k€33k▲
Suppliers440/4€30k€33k▲
Taxes, remuneration and social security45€22k€16k▼
Taxes450/3€13k€8k▼
Remuneration and social security454/9€8k€8k▼
Other amounts payable47/48€24k€38k▲
Income statement
Code20232024
Remuneration, social security and pensions62€52k€50k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€112k€99k▼
Operating profit (loss)9901€46k€34k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€41k€30k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€31k€23k▼
Profit (loss) for the period to be appropriated9905€31k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€24k▼
Profit (loss) brought forward from the previous period14P€2k€2k▼
Profit to be distributed694/7€32k€23k▼
Return on contributions (dividend)694€32k€23k▼
The notes to these accounts (6 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 · micro schema · 29 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €94k ▲524%
Operating result €81k, net result €94k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.60
Current ratio from 0.47 to 1.60; short-term debt falls from €64k to €62k.
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
22-02
Judicial reorganisation
Plan homologation
Tribunal de l’entreprise de Liège · 20200018 · event 16-02-2021
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-40k ▼861%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Verviers · 1 establishment unit since 2016
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.
Avenue de Spa 894802 VerviersGround area
251 m²
Building footprint
60 m²
Volume, LiDAR
771 m³
Parcel 63036A0026/00A008, Wallonia · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Le Comptoir
since 20162.254.836.561
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0026/00A008 | Wallonia | 251 m² | 1 · 60 m² | 15.3 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
Food safety, FASFC
1 siteVerviers2.254.836.561
Similar companies · same sector, comparable size
SENSAI
BE 0859.594.402
Oostende · Eq €44k
MT ADVIES
BE 0467.281.167
Overijse · Eq €45k
Knechtjeshuis
BE 0765.680.683
Hoogstraten · Eq €45k
FRER
BE 0432.783.910
Jette · Eq €44k
SIRAJ
BE 0729.942.618
Elsene · Eq €44k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,791 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
47251Retail sale of wines and spirits
47271Retail trade
47279Other retail sale of food
47291Retail trade
47299Retail trade
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:muriel.devos@yahoo.fr
Phone:0496/20 76 32