TERRE INSOLITE
ActiveSummary
TERRE INSOLITE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€100,077) and a net result of €8,417. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 20% of 1317 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability50▲+3
Solvency11▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.38 against 0.1 in 2024; short-term debt: 8.8% and cash: 2.6% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
-14.1%
Return on assets
1.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1317 sector peers (2025).
NBB · sector comparisonPosition among 1317 sector peers
Solvency
better than 20%
← 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 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
67 d late
2023
30 d late
2022
31 d late
2021
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 21 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€100,077▲ 7.8%
2024 · -€108,493
Total assets
€707,357▼ 4.3%
2024 · €739,358
Net result
€8,417▲ 93.2%
2024 · €4,357
Working capital
-€38,563▲ 83.0%
2024 · -€227,063
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€76,318--€2,479▲ 96.8%€10,027€19,173▲ 91.2%€23,635▲ 23.3%
Net result-€107,456--€19,248▲ 82.1%-€6,146▲ 68.1%€4,357€8,417▲ 93.2%
Equity-€87,456--€106,704▼ 22.0%-€112,850▼ 5.8%-€108,493▲ 3.9%-€100,077▲ 7.8%
Total assets€840,682-€786,998▼ 6.4%€774,999▼ 1.5%€739,358▼ 4.6%€707,357▼ 4.3%
Debt€928,138-€893,702▼ 3.7%€887,850▼ 0.7%€847,851▼ 4.5%€807,434▼ 4.8%
Working capital-€184,293--€206,166▼ 11.9%-€220,089▼ 6.8%-€227,063▼ 3.2%-€38,563▲ 83.0%
Staff (FTE)1.1
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €707,357
Fixed assets
€683,532 ▼ 4.1%
Current assets
€23,825 ▼ 9.9%
Key figures and ratios
EBITDA
€53,509▲
2024 · €48,897
Cash flow
€38,290▲
2024 · €34,081
Solvency
-14.1%▲
2024 · -14.7%
Current ratio
0.38▲
2024 · 0.10
Debt to equity
-8.07▼
2024 · -7.81
ROA
1.2%▲
2024 · 0.6%
Interest coverage
3.51▲
2024 · 3.29
Debt ≤ 1 year
€62,388▼
2024 · €253,516
Debt > 1 year
€743,963▲
2024 · €593,191
Staff costs
€26,722▲
2024 · €24,139
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 908 companies that looked in July 2024 the way this one looks now, 5.9% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit under 5% of the balance sheet
5.9%
went bankrupt
3.9%
stopped otherwise
89%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 908 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €53,779 | €24,135 | €29,734 | €24,139 | €26,722 | ▲ 10.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €157,094 | €29,133 | €29,059 | €29,724 | €29,874 | ▲ 0.5% |
| Other operating charges640/8 | €5,979 | €2,964 | €4,345 | €3,902 | €4,166 | ▲ 6.8% |
| Gross operating margin9900 | €140,534 | €53,753 | €73,165 | €76,939 | €84,397 | ▲ 9.7% |
| Operating profit (loss)9901 | -€76,318 | -€2,479 | €10,027 | €19,173 | €23,635 | ▲ 23.3% |
| Financial income75/76B | €25 | €1 | €2 | €50 | €6 | ▼ 87.1% |
| Recurring financial income75 | €25 | €1 | €2 | €50 | €6 | ▼ 87.1% |
| Financial charges65/66B | €31,163 | €16,770 | €16,175 | €14,866 | €15,225 | ▲ 2.4% |
| Recurring financial charges65 | €31,163 | €16,770 | €16,175 | €14,866 | €15,225 | ▲ 2.4% |
| Profit (loss) for the period before taxes9903 | -€107,456 | -€19,248 | -€6,146 | €4,357 | €8,417 | ▲ 93.2% |
| Profit (loss) for the period9904 | -€107,456 | -€19,248 | -€6,146 | €4,357 | €8,417 | ▲ 93.2% |
| Profit (loss) for the period to be appropriated9905 | -€107,456 | -€19,248 | -€6,146 | €4,357 | €8,417 | ▲ 93.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €840,682 | €786,998 | €774,999 | €739,358 | €707,357 | ▼ 4.3% |
| Fixed assets21/28 | €785,113 | €765,108 | €736,049 | €712,906 | €683,532 | ▼ 4.1% |
| Intangible fixed assets21 | €3,490 | €6,910 | €5,160 | €3,410 | €1,660 | ▼ 51.3% |
| Tangible fixed assets22/27 | €781,623 | €758,198 | €730,888 | €709,496 | €681,372 | ▼ 4.0% |
| Land and buildings22 | €744,730 | €726,246 | €703,579 | €682,960 | €660,072 | ▼ 3.4% |
| Plant, machinery and equipment23 | €1,553 | €1,392 | €1,231 | €1,070 | €909 | ▼ 15.0% |
| Furniture and vehicles24 | €35,340 | €30,560 | €26,079 | €25,465 | €20,391 | ▼ 19.9% |
| Financial fixed assets28 | - | - | - | - | €500 | - |
| Current assets29/58 | €55,569 | €21,890 | €38,950 | €26,452 | €23,825 | ▼ 9.9% |
| Amounts receivable within one year40/41 | €11,368 | €11,768 | €24,262 | €8,996 | €5,312 | ▼ 41.0% |
| Trade receivables40 | €9,615 | €11,767 | €24,259 | €8,996 | €5,312 | ▼ 41.0% |
| Other amounts receivable41 | €1,753 | €1 | €3 | - | - | - |
| Cash at bank and in hand54/58 | €43,348 | €10,122 | €14,688 | €17,456 | €18,213 | ▲ 4.3% |
| Deferred charges and accrued income490/1 | €853 | - | - | - | €300 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €840,682 | €786,998 | €774,999 | €739,358 | €707,357 | ▼ 4.3% |
| Equity10/15 | -€87,456 | -€106,704 | -€112,850 | -€108,493 | -€100,077 | ▲ 7.8% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | -€107,456 | -€126,704 | -€132,850 | -€128,493 | -€120,077 | ▲ 6.6% |
| Amounts payable17/49 | €928,138 | €893,702 | €887,850 | €847,851 | €807,434 | ▼ 4.8% |
| Amounts payable after more than one year17 | €686,052 | €661,275 | €627,604 | €593,191 | €743,963 | ▲ 25.4% |
| Financial debts170/4 | €686,052 | €661,275 | €627,604 | €593,191 | €558,020 | ▼ 5.9% |
| Other amounts payable178/9 | - | - | - | - | €185,943 | - |
| Amounts payable within one year42/48 | €239,862 | €228,056 | €259,040 | €253,516 | €62,388 | ▼ 75.4% |
| Current portion of amounts payable after more than one year42 | €35,082 | €27,505 | €36,445 | €37,247 | €38,067 | ▲ 2.2% |
| Financial debts43 | - | - | €6,114 | €5,816 | €6,309 | ▲ 8.5% |
| Other loans439 | - | - | €6,114 | €5,816 | €6,309 | ▲ 8.5% |
| Trade debts44 | €28,039 | €23,322 | €30,882 | €19,217 | €11,671 | ▼ 39.3% |
| Suppliers440/4 | €28,039 | €23,322 | €30,882 | €19,217 | €11,671 | ▼ 39.3% |
| Taxes, remuneration and social security45 | €5,681 | €3,656 | €6,804 | €6,042 | €4,850 | ▼ 19.7% |
| Taxes450/3 | €3,256 | €1,461 | €3,717 | €2,887 | €1,796 | ▼ 37.8% |
| Remuneration and social security454/9 | €2,425 | €2,195 | €3,086 | €3,155 | €3,055 | ▼ 3.2% |
| Other amounts payable47/48 | €171,060 | €173,572 | €178,796 | €185,193 | €1,490 | ▼ 99.2% |
| Accrued charges and deferred income492/3 | €2,224 | €4,371 | €1,206 | €1,145 | €1,083 | ▼ 5.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€107,456 | -€19,248 | -€6,146 | €4,357 | €8,417 | ▲ 93.2% |
| + Depreciation and write-downs630 | €157,094 | €29,133 | €29,059 | €29,724 | €29,874 | ▲ 0.5% |
| Operating cash flow (approximation) | €49,638 | €9,885 | €22,913 | €34,081 | €38,290 | ▲ 12.4% |
| Investment in fixed assets (approximation) | - | -€9,128 | €0 | -€6,581 | -€500 | ▲ 92.4% |
| Change in cash | - | -€33,226 | €4,566 | €2,767 | €758 | ▼ 72.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-09
State Gazette act
Appointment: LAB COACHING (director)Permanent representative: Alain Labie · Resignations: Marc Legrain (director) and Nathalie Lowies (director)7 facts ▸
State Gazette act
Appointment: LAB COACHING (director)
Permanent representative: Alain Labie · Resignations: Marc Legrain (director) and Nathalie Lowies (director)7 facts ▸
- General meeting, 05-08-2026
- Director appointment, LAB COACHING (director)
- Permanent representative, Alain Labie (permanent representative)
- Director resignation, Marc Legrain (director)
- Director resignation, Nathalie Lowies (director)
- Other statement, info@carrauterie.com, adresse e-mail
- Other statement, site web, https://www.carrauterie.com
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €8,417 ▲93.2%
Operating result €23,635, net result €8,417, both a record.
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
31-12
Financial
Back to profitnet €4,357
Net result €4,357 after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Board 1
LAB COACHING
CurrentDirector · since 05-08-2026 · Public limited company · perm. rep.: Alain Labie
Permanent representatives 1
Alain Labie
CurrentPermanent representative · since 05-08-2026 · for LAB COACHING
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sivry-Rance · 1 establishment unit since 2020
Ground area
161 m²
Building footprint
168 m²
Volume, LiDAR
954 m³
Parcel 56070C0116/00C000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LA CARRAUTERIE
since 20202.298.428.955
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56070C0116/00C000 | Wallonia | 161 m² | 1 · 168 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
3 people since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| LAB COACHING |
|
| LEGRAIN Marc |
|
| Nathalie Lowies |
|
Structure & network
Connections & network
1 current directorThe group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
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Recognitions · licences · registrations
Food safety, FASFC
1 siteSivry-Rance2.298.428.955
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 3,007 companies in sector 55203 we hold annual accounts for 693. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
55203Holiday cottages, homes and apartments
55204Guest rooms (bed and breakfast)
Contact
Website
www.carrauterie.com
E-mail
info@carrauterie.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0741784635
Also
9925:BE0741784635
Registered
01-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.