TEVEMA
ActiveTEVEMA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €157k and a net result of €36k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 34% of 9625 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+40
Solvency50▼-50
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 4.82 in 2023; short-term debt: 24.9% and cash: 13.6% of total assets), but 74.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €157k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
42 d early
2022
55 d early
2021
32 d early
2020
3 d late
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€157k▲ 29.4%
2023 · €122k
2018: €151k
2019: €120k
2020: €121k
2021: €103k
2022: €129k
2023: €122k
2018 → 2024
Total assets
€618k▲ 325%
2023 · €145k
2018: €217k
2019: €135k
2020: €257k
2021: €150k
2022: €156k
2023: €145k
2018 → 2024
Net result
€36k
2023 · €-7k
2018: €5k
2019: €-31k
2020: €85k
2021: €-17k
2022: €25k
2023: €-7k
2018 → 2024
Working capital
€234k▲ 159%
2023 · €90k
2018: €114k
2019: €98k
2020: €103k
2021: €77k
2022: €100k
2023: €90k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€121k-€103k▼ 14.3%€129k▲ 24.3%€122k▼ 5.3%€157k▲ 29.4%
Operating result€112k-€-17k€35k€-4k€56k
Net result€85k-€-17k€25k€-7k€36k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €56k after a loss of €4k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €618k
Fixed assets
€231k▲ 639%
Current assets
€388k▲ 240%
Equity and liabilities €618k
Equity
€157k▲ 29.4%
Debt
€461k▲ 1,847%
The debt ratio rises from 16.3% to 74.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€80k▲
2023 · €6k
Cash flow
€60k▲
2023 · €3k
Solvency
25.5%▼
2023 · 83.7%
Current ratio
2.52▼
2023 · 4.82
Quick ratio
1.31▼
2023 · 4.82
Debt / equity
2.93▲
2023 · 0.19
ROE
22.7%▲
2023 · -5.6%
ROA
5.8%▲
2023 · -4.7%
Interest coverage
15.50▲
2023 · 2.72
Debt
€461k▲
2023 · €24k
Debt ≤ 1 year
€154k▲
2023 · €24k
Debt > 1 year
€307k
Income taxes
€15k▲
2023 · €1k
Staff costs
€154k▲
2023 · €149k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€145k€618k▲
Fixed assets21/28€31k€231k▲
Intangible fixed assets21-€205k
Tangible fixed assets22/27€31k€25k▼
Furniture and vehicles24€25k€21k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€650€360▼
Current assets29/58€114k€388k▲
Stocks and contracts in progress3-€186k
Stocks30/36-€186k
Amounts receivable within one year40/41€62k€109k▲
Trade receivables40€39k€100k▲
Other amounts receivable41€23k€9k▼
Cash at bank and in hand54/58€44k€84k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€145k€618k▲
Equity10/15€122k€157k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€54k€89k▲
Amounts payable17/49€24k€461k▲
Amounts payable after more than one year17-€307k
Other amounts payable178/9-€307k
Amounts payable within one year42/48€24k€154k▲
Trade debts44€6k€47k▲
Suppliers440/4€6k€47k▲
Taxes, remuneration and social security45€18k€25k▲
Taxes450/3-€8k
Remuneration and social security454/9€18k€18k▲
Other amounts payable47/48-€82k
Income statement
Code20232024
Remuneration, social security and pensions62€149k€154k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€24k▲
Other operating charges640/8€683€704▲
Non-recurring operating charges66A€340-
Gross operating margin9900€156k€235k▲
Operating profit (loss)9901€-4k€56k▲
Financial income75/76B€134€20▼
Recurring financial income75€134€20▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€-6k€51k▲
Income taxes67/77€1k€15k▲
Profit (loss) for the period9904€-7k€36k▲
Profit (loss) for the period to be appropriated9905€-7k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€89k▲
Profit (loss) brought forward from the previous period14P€60k€54k▼
Social balance
Average headcount (FTE)90870.40.6▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Equity above €150kEq €157k ▲29.4%
Equity rises from €122k to €157k.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
31-12
Financial
Back to profitnet €85k
Net result €85k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-31k ▼692%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 7.50
Current ratio from 2.73 to 7.50; short-term debt falls from €66k to €15k.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
2016
02-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Oud-Turnhout · 1 establishment unit since 1988
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.
Nieuwe Staatsbaan 532360 Oud-TurnhoutGround area
3,846 m²
Building footprint
410 m²
Volume, LiDAR
3,481 m³
2 parcels, Flanders · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Berlaarsestraat 1, 2500 Lier
since 19882.038.389.870
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13482F1177/00B015 | Flanders | 3,703 m² | 1 · 267 m² | 10.1 m · 2 fl. |
| 12021H0089/00B002 | Flanders | 143 m² | 1 · 143 m² | 17.5 m · 5 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.
Similar companies · same sector, comparable size
MARCHE DE L'OCCASION
BE 0465.850.715
Fosses-la-Ville · Eq €158k
CARSAN
BE 0447.315.302
Diksmuide · Eq €157k
MAISON PIVOT-BADOUX SA
BE 0479.966.985
Nandrin · Eq €159k
ABLem Invest
BE 0599.919.066
Knokke-Heist · Eq €159k
IGODT
BE 0835.998.557
Ieper · Eq €156k
Of 1,722 companies in sector 47521 we hold annual accounts for 1,289. 952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-05-1988
Fiscal year end31-12
Activities, NACEBEL
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 36 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.