Financials
- Financial year
- 2025
- Total assets
- €40,711
- Loss
- -€1,700
- Solvency
- -24.8%
Total assets▲ 0.4%
Net result
20192025
TESSEM
ActiveSummary
TESSEM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€10,083) and a net result of -€1,700. Equity is shrinking by about 44% per year across the filed financial years. Its solvency ranks better than 5% of 9,767 sector peers (NACE 64, financial year 2025). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
#9 oldest company in Lubbeek, Finance and insurance sector1 site
Size
€40,711total assets 2025
- Equity
- -€10,083
- Loss
- -€1,700
Turnover not published (abbreviated or micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts on time0 of 3 deeds read
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9767 sector peers (2025).
NBB · sector comparisonPosition among 9767 sector peers
Solvency
better than 5%
← 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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
33 days early
2022
2 days early
2021
2 days early
2020
on the day
2019
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-10-2026 today30-04-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet -€3,174
Key points
- Risk: Negative equityfinancial year 2025: debts exceed assets -€10,083 View
- Risk: 7 loss-making years in a rowloss financial year 2025 -€1,700 View
- Caution: Among the weakest 5% on solvencysector median 51.1% · 9,767 companies -24.8% View
- Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
By topic
Timeline
- Events
- 18
- Since
- 2010
- Next accounts
- by 30-04-2027
- 28-03-2024Annual accounts filed
- 28-04-2023Annual accounts filed
- 28-04-2022Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Activities of holding companiesNACE 64210
- Founded
- 14-01-2008
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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