TERRE PROVENCE
ActiveTERRE PROVENCE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €-649. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 7311 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency50▼-3
Growth32=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.35 in 2024), and 72.5% 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.
−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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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: 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
27.5%
Return on assets
-0.4%
Age of the figures
14 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€649
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
34 d late
2023
104 d late
2022
28 d late
2021
3 d early
2020
2 d early
2019
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 1.4%
2024 · €48k
2019: €61k
2020: €71k
2021: €86k
2022: €155k
2023: €84k
2024: €48k
2019 → 2025
Total assets
€171k▲ 4.0%
2024 · €164k
2019: €121k
2020: €164k
2021: €227k
2022: €259k
2023: €184k
2024: €164k
2019 → 2025
Net result
€-649▲ 98.2%
2024 · €-37k
2019: €20k
2020: €10k
2021: €15k
2022: €69k
2023: €-70k
2024: €-37k
2019 → 2025
Working capital
€37k▲ 8.9%
2024 · €34k
2019: €64k
2020: €54k
2021: €64k
2022: €132k
2023: €52k
2024: €34k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€155k▲ 80.3%€84k▼ 45.5%€48k▼ 43.5%€47k▼ 1.4%
Operating result€20k-€89k▲ 340%€-23k€10k€25k▲ 150%
Net result€15k-€69k▲ 368%€-70k€-37k▲ 47.9%€-649▲ 98.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 150% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€19k▼ 41.5%
Current assets
€152k▲ 15.4%
Equity and liabilities €171k
Equity
€47k▼ 1.4%
Debt
€124k▲ 6.2%
The debt ratio rises from 71.0% to 72.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€41k▲
2024 · €33k
Cash flow
€15k▲
2024 · €-13k
Solvency
27.5%▼
2024 · 29.0%
Current ratio
1.32▼
2024 · 1.35
Quick ratio
1.22▼
2024 · 1.33
Debt / equity
2.64▲
2024 · 2.45
ROE
-1.4%▲
2024 · -77.0%
ROA
-0.4%▲
2024 · -22.3%
Interest coverage
29.99▲
2024 · 14.83
Debt
€124k▲
2024 · €117k
Debt ≤ 1 year
€115k▲
2024 · €98k
Debt > 1 year
€9k▼
2024 · €19k
Income taxes
€-19k▼
2024 · €7k
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€164k€171k▲
Fixed assets21/28€33k€19k▼
Tangible fixed assets22/27€32k€19k▼
Plant, machinery and equipment23€1k€860▼
Furniture and vehicles24€31k€18k▼
Financial fixed assets28€430€430=
Current assets29/58€131k€152k▲
Stocks and contracts in progress3€2k€11k▲
Stocks30/36€2k€11k▲
Amounts receivable within one year40/41€130k€103k▼
Trade receivables40€83k€64k▼
Other amounts receivable41€47k€39k▼
Deferred charges and accrued income490/1-€38k
Equity and liabilities
Total equity and liabilities10/49€164k€171k▲
Equity10/15€48k€47k▼
Contributions10/11€82k€82k=
Profit (loss) carried forward14€-34k€-35k▼
Amounts payable17/49€117k€124k▲
Amounts payable after more than one year17€19k€9k▼
Financial debts170/4€19k€9k▼
Amounts payable within one year42/48€98k€115k▲
Current portion of amounts payable after more than one year42€5k€4k▼
Financial debts43€3k€4k▲
Credit institutions430/8€3k€4k▲
Trade debts44€40k-
Suppliers440/4€40k-
Taxes, remuneration and social security45€45k€25k▼
Taxes450/3€20k€1k▼
Remuneration and social security454/9€25k€24k▼
Other amounts payable47/48€5k€81k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€16k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€38k€43k▲
Operating profit (loss)9901€10k€25k▲
Financial charges65/66B€39k€45k▲
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B€37k€43k▲
Profit (loss) for the period before taxes9903€-29k€-19k▲
Income taxes67/77€7k€-19k▼
Profit (loss) for the period9904€-37k€-649▲
Profit (loss) for the period to be appropriated9905€-37k€-649▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-35k▼
Profit (loss) brought forward from the previous period14P€2k€-34k▼
The notes to these accounts (7 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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 34 days late
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 104 days late
2023
30-06
Financial
Weakest financial yearnet €-70k ▼202%
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-06
Financial
Highest result since 2019net €69k ▲368%
Operating result €89k, net result €69k, both a record.
30-06
Financial
Equity above €150kEq €155k ▲80.3%
4 profitable years in a row build equity to €155k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
10-11-2023
ABOU Ikililou: Resigned as Manager
10-11-2023
BLANC Jean-Yves: Resigned as Manager
10-11-2023
COOMANS Thierry: Resigned as Manager
03-01-2019
BLANC Jean-Yves: Resigned as Manager
Location & real-estate footprint
Registered office, Esneux · 1 establishment unit since 2006
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 des Carrières 64130 EsneuxGround area
1,591 m²
Building footprint
154 m²
Volume, LiDAR
735 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TERRE PROVENCE
since 20062.152.500.967
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032A0240/00P000 | Wallonia | 1,036 m² | 1 · 85 m² | 10.7 m · 3 fl. |
| 62032C0625/00D000 | Wallonia | 555 m² | 1 · 69 m² | - |
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Similar companies · same sector, comparable size
L&N CONSTRUCTION
BE 0599.936.090
Gembloux · Eq €47k
HOME PREMIUM
BE 0768.975.715
Jodoigne · Eq €47k
BEST BUILD
BE 0885.208.142
Heist-op-den-Berg · Eq €47k
DURO CONSTRUCT
BE 0769.866.729
Zaventem · Eq €47k
ZH CONCEPT
BE 1001.523.713
Châtelet · Eq €47k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2004
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
45211
43110Demolition
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43421Specialised construction activities
43422Screed work
47552Retail sale of lighting equipment
47592Retail trade
52442
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.