TERRE-PROJECTS
ActiveThe computed 12-month bankruptcy probability of TERRE-PROJECTS is 2.4% (moderate). The 2025 annual accounts show equity of €39k and a net result of €-5k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 17% of 7332 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+2
Solvency33▼-30
Growth32▼-26
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.09 against 1.63 in 2024; short-term debt: 92% and cash: 2.2% of total assets), and 92.1% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
7.9%
Return on assets
-1%
Age of the figures
12 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
232425
2023 to 2025 · latest year €-5k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7332 sector peers (2025).
NBB · sector comparisonPosition among 7332 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
40 d early
2023
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 10.7%
2024 · €44k
2023: €46k
2024: €44k
2023 → 2025
Total assets
€493k▲ 331%
2024 · €115k
2023: €94k
2024: €115k
2023 → 2025
Net result
€-5k▼ 117%
2024 · €-2k
2023: €-4k
2024: €-2k
2023 → 2025
Working capital
€39k▼ 10.7%
2024 · €44k
2023: €46k
2024: €44k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€46k-€44k▼ 4.7%€39k▼ 10.7%
Operating result€-4k-€-2k▲ 46.1%€-5k▼ 116%
Net result€-4k-€-2k▲ 45.3%€-5k▼ 117%
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 €5k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €493k
Equity
€39k▼ 10.7%
Debt
€454k▲ 542%
The debt ratio rises from 61.7% to 92.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
7.9%▼
2024 · 38.3%
Current ratio
1.09▼
2024 · 1.63
Quick ratio
0.04▼
2024 · 0.04
Debt / equity
11.60▲
2024 · 1.61
ROE
-12.0%▼
2024 · -5.0%
ROA
-1.0%▲
2024 · -1.9%
Debt
€454k▲
2024 · €71k
Debt ≤ 1 year
€454k▲
2024 · €70k
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€115k€493k▲
Current assets29/58€115k€493k▲
Stocks and contracts in progress3€112k€477k▲
Stocks30/36€112k€477k▲
Amounts receivable within one year40/41€2k€5k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€308€11k▲
Deferred charges and accrued income490/1€48€50▲
Equity and liabilities
Total equity and liabilities10/49€115k€493k▲
Equity10/15€44k€39k▼
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-6k€-11k▼
Amounts payable17/49€71k€454k▲
Amounts payable within one year42/48€70k€454k▲
Trade debts44€1k€193k▲
Suppliers440/4€1k€193k▲
Other amounts payable47/48€69k€260k▲
Accrued charges and deferred income492/3€291€300▲
Income statement
Code20242025
Other operating charges640/8€614€462▼
Gross operating margin9900€-1k€-4k▼
Operating profit (loss)9901€-2k€-5k▼
Financial charges65/66B€64€165▲
Recurring financial charges65€64€165▲
Profit (loss) for the period before taxes9903€-2k€-5k▼
Profit (loss) for the period9904€-2k€-5k▼
Profit (loss) for the period to be appropriated9905€-2k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-11k▼
Profit (loss) brought forward from the previous period14P€-4k€-6k▼
The notes to these accounts (1 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series.
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Diest · 1 establishment unit since 2022
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.
Meilrijk 853290 DiestGround area
2,724 m²
Building footprint
194 m²
Volume, LiDAR
561 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TERRE-PROJECTS
since 20222.326.204.411
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24019A0027/00R000 | Flanders | 2,225 m² | 1 · 80 m² | 3.7 m |
| 24019B0167/00G000 | Flanders | 499 m² | 1 · 114 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Building & Metal Company
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BCS CONSULTING
BE 0805.486.515
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FbiConstruct
BE 0800.863.969
Ardooie · Eq €39k
MAISON L.T.
BE 0421.878.932
Herve · Eq €39k
MUTESCU
BE 0735.733.122
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,827 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2022
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.