TETRAM
ActiveTETRAM has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €82k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 73% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+15
Solvency100▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.67 against 2.02 in 2024; short-term debt: 20.7% and cash: 35.2% of total assets), and 20.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
79.3%
Return on assets
36.9%
Age of the figures
15 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
19202122232425
2019 to 2025 · latest year €177k
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
45 d early
2023
58 d early
2022
18 d early
2021
48 d early
2020
25 d early
2019
42 d early
← 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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€177k▲ 87.0%
2024 · €95k
2019: €91k
2020: €120k
2021: €115k
2022: €115k
2023: €102k
2024: €95k
2019 → 2025
Total assets
€223k▲ 31.2%
2024 · €170k
2019: €132k
2020: €172k
2021: €174k
2022: €175k
2023: €160k
2024: €170k
2019 → 2025
Net result
€82k▲ 272%
2024 · €22k
2019: €-10k
2020: €29k
2021: €13k
2022: €19k
2023: €7k
2024: €22k
2019 → 2025
Working capital
€124k▲ 60.2%
2024 · €77k
2019: €87k
2020: €116k
2021: €108k
2022: €105k
2023: €93k
2024: €77k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€115k▼ 0.5%€102k▼ 10.9%€95k▼ 7.6%€177k▲ 87.0%
Operating result€20k-€31k▲ 58.3%€12k▼ 62.3%€34k▲ 190%€117k▲ 243%
Net result€13k-€19k▲ 46.0%€7k▼ 61.6%€22k▲ 197%€82k▲ 272%
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 243% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€53k▲ 205%
Current assets
€170k▲ 11.3%
Equity and liabilities €223k
Equity
€177k▲ 87.0%
Debt
€46k▼ 38.7%
The debt ratio falls from 44.4% to 20.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▲
2024 · €39k
Cash flow
€90k▲
2024 · €27k
Solvency
79.3%▲
2024 · 55.6%
Current ratio
3.67▲
2024 · 2.02
Quick ratio
3.67▲
2024 · 2.02
Debt / equity
0.26▼
2024 · 0.80
ROE
46.5%▲
2024 · 23.4%
ROA
36.9%▲
2024 · 13.0%
Interest coverage
1468.43▲
2024 · 17.99
Debt
€46k▼
2024 · €76k
Debt ≤ 1 year
€46k▼
2024 · €76k
Income taxes
€35k▲
2024 · €10k
Staff costs
€80k▲
2024 · €78k
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€170k€223k▲
Fixed assets21/28€17k€53k▲
Tangible fixed assets22/27€16k€13k▼
Furniture and vehicles24€16k€13k▼
Other tangible fixed assets26€0-
Financial fixed assets28€1k€41k▲
Current assets29/58€153k€170k▲
Amounts receivable within one year40/41€61k€74k▲
Trade receivables40€58k€61k▲
Other amounts receivable41€3k€13k▲
Current investments50/53€7k€7k▲
Cash at bank and in hand54/58€74k€79k▲
Deferred charges and accrued income490/1€10k€10k▼
Equity and liabilities
Total equity and liabilities10/49€170k€223k▲
Equity10/15€95k€177k▲
Contributions10/11€7k€7k=
Reserves13€88k€170k▲
Distributable reserves133€88k€170k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€76k€46k▼
Amounts payable within one year42/48€76k€46k▼
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€38k€39k▲
Taxes450/3€17k€23k▲
Remuneration and social security454/9€21k€16k▼
Other amounts payable47/48€31k€987▼
Income statement
Code20242025
Remuneration, social security and pensions62€78k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€3k€803▼
Gross operating margin9900€120k€205k▲
Operating profit (loss)9901€34k€117k▲
Financial income75/76B€660€976▲
Recurring financial income75€660€976▲
Financial charges65/66B€2k€85▼
Recurring financial charges65€2k€85▼
Profit (loss) for the period before taxes9903€33k€118k▲
Income taxes67/77€10k€35k▲
Profit (loss) for the period9904€22k€82k▲
Profit (loss) for the period to be appropriated9905€22k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€82k▲
Transfer from equity791/2€30k€0▼
Transfer to equity691/2€22k€82k▲
To other reserves6921€22k€82k▲
Profit to be distributed694/7€30k€0▼
Return on contributions (dividend)694€30k€0▼
The notes to these accounts (11 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €82k ▲272%
Operating result €117k, net result €82k, both a record.
30-06
Financial
Equity above €150kEq €177k ▲87%
6 profitable years in a row build equity to €177k.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
06-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
30-06
Financial
Equity above €100kEq €120k ▲31.6%
Equity rises from €91k to €120k.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-12
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
3 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, Namur · 1 establishment unit since 2001
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 Charles Wérotte 965000 NamurGround area
136 m²
Building footprint
69 m²
Volume, LiDAR
742 m³
Parcel 92302G0279/00V004, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Charles Wérotte 96, 5000 Namur
since 20012.116.177.239
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0279/00V004 | Wallonia | 136 m² | 1 · 69 m² | 13.0 m · 4 fl. |
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.
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OPEN DEVELOPMENT
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BEJAN QOTBI CONSULTING
BE 0787.828.555
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ASPIDA
BE 0790.857.331
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Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,774 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2001
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
72100
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@tetram.be