TERU
ActiveTERU has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €34k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 63% of 3674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-8
Solvency67▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.43 in 2024; short-term debt: 57.8% and cash: 87.7% of total assets), but 57.8% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42.2%
Return on assets
18.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €78k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
40 d early
2023
27 d early
2022
33 d early
2021
30 d early
2020
33 d early
2019
24 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34k▲ 6.7%
2024 · €32k
2018: €22k
2019: €-5k
2020: €-27k
2021: €-4k
2022: €3k
2023: €24k
2024: €32k
2018 → 2025
Working capital
€78k▲ 77.9%
2024 · €44k
2018: €4k
2019: €13k
2020: €-533
2021: €1k
2022: €78k
2023: €12k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-15k-€-12k▲ 21.8%€12k€44k▲ 266%€78k▲ 77.6%
Operating result€-1k-€7k€26k▲ 281%€40k▲ 55.3%€50k▲ 23.5%
Net result€-4k-€3k€24k▲ 627%€32k▲ 35.0%€34k▲ 6.7%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€160=
Current assets
€184k▲ 25.8%
Equity and liabilities €185k
Equity
€78k▲ 77.6%
Debt
€107k▲ 3.6%
The debt ratio falls from 70.1% to 57.8%. Equity and debt are higher.
Key figures and ratios
Solvency
42.2%▲
2024 · 29.9%
Current ratio
1.73▲
2024 · 1.43
Quick ratio
1.67▲
2024 · 1.43
Debt / equity
1.37▼
2024 · 2.34
ROE
43.7%▼
2024 · 72.7%
ROA
18.5%▼
2024 · 21.8%
Debt
€107k▲
2024 · €103k
Debt ≤ 1 year
€107k▲
2024 · €103k
Income taxes
€13k▲
2024 · €6k
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€147k€185k▲
Fixed assets21/28€160€160=
Financial fixed assets28€160€160=
Current assets29/58€147k€184k▲
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41€12k€16k▲
Other amounts receivable41€12k€16k▲
Cash at bank and in hand54/58€134k€162k▲
Deferred charges and accrued income490/1€746-
Equity and liabilities
Total equity and liabilities10/49€147k€185k▲
Equity10/15€44k€78k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€36k€70k▲
Amounts payable17/49€103k€107k▲
Amounts payable within one year42/48€103k€107k▲
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€7k€13k▲
Other amounts payable47/48€87k€87k=
Income statement
Code20242025
Other operating charges640/8€1k€554▼
Gross operating margin9900€41k€50k▲
Operating profit (loss)9901€40k€50k▲
Financial income75/76B€260-
Recurring financial income75€260-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€38k€47k▲
Income taxes67/77€6k€13k▲
Profit (loss) for the period9904€32k€34k▲
Profit (loss) for the period to be appropriated9905€32k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€70k▲
Profit (loss) brought forward from the previous period14P€4k€36k▲
The notes to these accounts (2 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €34k ▲6.7%
Operating result €50k, net result €34k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.47
Current ratio from 1.04 to 3.47.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 22 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
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
4 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, Wavre · 1 establishment unit since 2009
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 des Aubépines 331301 WavreGround area
4,456 m²
Building footprint
1,414 m²
Volume, LiDAR
18,171 m³
2 parcels, Wallonia · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
TERU
since 20092.177.792.827
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0066/00B002 | Wallonia | 2,958 m² | 1 · 1,286 m² | 17.6 m · 5 fl. |
| 25006E0066/00Z000 | Wallonia | 1,498 m² | 1 · 128 m² | 9.5 m · 3 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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AES BOQO
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EDAOUDEN
BE 0845.330.056
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SATAY
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,076 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2009
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
56309Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.