Terre Mariotti
ActiveThe computed 12-month bankruptcy probability of Terre Mariotti is 2.4% (moderate). The annual accounts of Terre Mariotti for fiscal year 2025 show a net loss of 67% of the equity at the start of that year. The 2025 annual accounts show equity of €8k and a net result of €-16k. Its solvency ranks better than 24% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-7
Solvency27▼-11
Growth32
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.99 against 1.07 in 2024; short-term debt: 97.4% and cash: 36.5% of total assets), and 97.6% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
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 2025Solvency, return and age of the figures
Solvency
2.4%
Return on assets
-4.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-16k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18237 sector peers (2025).
NBB · sector comparisonPosition among 18237 sector peers
Solvency
better than 24%
← 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 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
61 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, micro schema
Equity
€8k▼ 66.7%
2024 · €25k
2024: €25k
2024 → 2025
Total assets
€338k▲ 74.5%
2024 · €194k
2024: €194k
2024 → 2025
Net result
€-16k▼ 203%
2024 · €-5k
2024: €-5k
2024 → 2025
Working capital
€-3k
2024 · €11k
2024: €11k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€25k-€8k▼ 66.7%
Operating result€-185-€-16k▼ 8,708%
Net result€-5k-€-16k▼ 203%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2025 against €185 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €338k
Fixed assets
€12k▼ 17.8%
Current assets
€327k▲ 81.7%
Equity and liabilities €338k
Equity
€8k▼ 66.7%
Debt
€330k▲ 95.0%
The debt ratio rises from 87.3% to 97.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-14k▼
2024 · €3k
Cash flow
€-14k▼
2024 · €-2k
Solvency
2.4%▼
2024 · 12.7%
Current ratio
0.99▼
2024 · 1.07
Quick ratio
0.68▲
2024 · 0.47
Debt / equity
40.33▲
2024 · 6.88
ROE
-200.4%▼
2024 · -22.0%
ROA
-4.8%▼
2024 · -2.8%
Interest coverage
-176.49▼
2024 · 0.57
Debt
€330k▲
2024 · €169k
Debt ≤ 1 year
€330k▲
2024 · €169k
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€194k€338k▲
Fixed assets21/28€14k€12k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€12k€10k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€1k€946▼
Other tangible fixed assets26€1k€838▼
Current assets29/58€180k€327k▲
Stocks and contracts in progress3€100k€103k▲
Stocks30/36€100k€103k▲
Amounts receivable within one year40/41€17k€100k▲
Trade receivables40€16k€100k▲
Other amounts receivable41€533€0▼
Cash at bank and in hand54/58€63k€124k▲
Deferred charges and accrued income490/1-€189
Equity and liabilities
Total equity and liabilities10/49€194k€338k▲
Equity10/15€25k€8k▼
Contributions10/11€30k€30k=
Profit (loss) carried forward14€-5k€-22k▼
Amounts payable17/49€169k€330k▲
Amounts payable within one year42/48€169k€330k▲
Trade debts44€32k€186k▲
Suppliers440/4€32k€186k▲
Taxes, remuneration and social security45€13k€20k▲
Taxes450/3€13k€20k▲
Other amounts payable47/48€123k€123k▲
Accrued charges and deferred income492/3€387€468▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€57k€0▼
Other operating charges640/8€14k€6k▼
Gross operating margin9900€74k€-8k▼
Operating profit (loss)9901€-185€-16k▼
Financial income75/76B€21€13▼
Recurring financial income75€21€13▼
Financial charges65/66B€5k€78▼
Recurring financial charges65€5k€78▼
Profit (loss) for the period before taxes9903€-5k€-16k▼
Profit (loss) for the period9904€-5k€-16k▼
Profit (loss) for the period to be appropriated9905€-5k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-22k▼
Profit (loss) brought forward from the previous period14P-€-5k
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
Directors · office · real estate
Directors
2 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, Zoersel · 1 establishment unit since 2023
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.
Oude Baan 172980 ZoerselGround area
2,242 m²
Building footprint
264 m²
Parcel 11453I0431/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Terre Mariotti
since 20232.342.792.005
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11453I0431/00L000 | Flanders | 2,242 m² | 1 · 264 m² | - |
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 siteZoersel2.342.792.005
Similar companies · same sector, comparable size
ESPAVINO
BE 0430.694.351
Oud-Heverlee · Eq €8k
MEANDER SPIRITS
BE 0799.445.987
Sint-Martens-Latem · Eq €8k
Dorst De Soif
BE 1010.285.880
Meise · Eq €8k
Masterwines
BE 0845.213.557
Kontich · Eq €8k
THE WINE OF CHAMPIONS
BE 0771.363.103
Saint-Ghislain · Eq €8k
Of 2,333 companies in sector 47251 we hold annual accounts for 422. 234 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2023
Fiscal year end31-12
Activities, NACEBEL
47251Retail sale of wines and spirits
47279Other retail sale of food
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.