Summary
TORRAMIE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.08M and a net result of €39k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 5547 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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
13 d early
2023
1 d early
2022
30 d early
2021
10 d early
2020
7 d early
2019
7 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.08M▲ 1.9%
2024 · €2.04M
2018: €1.47Mlowest in 8 years
2019: €1.50M▲ +2.2% vs 2018
2020: €1.49M▼ -0.5% vs 2019
2021: €1.59M▲ +6.3% vs 2020
2022: €1.83M▲ +15.4% vs 2021
2023: €1.84M▲ +0.8% vs 2022
2024: €2.04M▲ +10.8% vs 2023
2025: €2.08M▲ +1.9% vs 2024highest in 8 years
2018 → 2025
Net result
€39k▼ 80.4%
2024 · €199k
2018: €-15klowest in 8 years
2019: €32k▲ +317% vs 2018
2020: €-7k▼ -122% vs 2019
2021: €95k▲ +1460% vs 2020
2022: €244k▲ +158% vs 2021highest in 8 years
2023: €15k▼ -94.1% vs 2022
2024: €199k▲ +1274% vs 2023
2025: €39k▼ -80.4% vs 2024
2018 → 2025
Total assets
€3.79M▲ 2.6%
2024 · €3.69M
2018: €3.24M
2019: €3.15M▼ -2.8% vs 2018
2020: €2.96M▼ -6.0% vs 2019lowest in 8 years
2021: €3.03M▲ +2.5% vs 2020
2022: €3.04M▲ +0.2% vs 2021
2023: €3.55M▲ +16.7% vs 2022
2024: €3.69M▲ +4.0% vs 2023
2025: €3.79M▲ +2.6% vs 2024highest in 8 years
2018 → 2025
Solvency
55.0%▼ 0.4pp
2024 · 55.3%
2018: 45.2%lowest in 8 years
2019: 47.5%▲ +5.1% vs 2018
2020: 50.4%▲ +5.9% vs 2019
2021: 52.3%▲ +3.8% vs 2020
2022: 60.2%▲ +15.1% vs 2021highest in 8 years
2023: 51.9%▼ -13.7% vs 2022
2024: 55.3%▲ +6.5% vs 2023
2025: 55.0%▼ -0.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.59M-€1.83M▲ 15.4%€1.84M▲ 0.8%€2.04M▲ 10.8%€2.08M▲ 1.9%
2021: €1.59Mlowest in 5 years
2022: €1.83M▲ +15.4% vs 2021
2023: €1.84M▲ +0.8% vs 2022
2024: €2.04M▲ +10.8% vs 2023
2025: €2.08M▲ +1.9% vs 2024highest in 5 years
Operating result€150k-€355k▲ 137%€53k▼ 85.0%€328k▲ 515%€125k▼ 61.8%
2021: €150k
2022: €355k▲ +137% vs 2021highest in 5 years
2023: €53k▼ -85.0% vs 2022lowest in 5 years
2024: €328k▲ +515% vs 2023
2025: €125k▼ -61.8% vs 2024
Net result€95k-€244k▲ 158%€15k▼ 94.1%€199k▲ 1,274%€39k▼ 80.4%
2021: €95k
2022: €244k▲ +158% vs 2021highest in 5 years
2023: €15k▼ -94.1% vs 2022lowest in 5 years
2024: €199k▲ +1274% vs 2023
2025: €39k▼ -80.4% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.79M
Fixed assets
€3.26M =
Current assets
€530k ▲ 22.2%
Equity and liabilities €3.79M
Equity
€2.08M ▲ 1.9%
Provisions
€85k ▼ 10.3%
Debt
€1.62M ▲ 4.3%
Debt's share of the balance-sheet total rises from 42.1% to 42.8%. Equity and debt are higher.
Key figures and ratios
ROE
1.9%▼
2024 · 9.8%
ROA
1.0%▼
2024 · 5.4%
Debt ≤ 1 year
€421k▼
2024 · €438k
Debt > 1 year
€1.19M▲
2024 · €1.11M
Income taxes
€35k▼
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.69M€3.79M▲
Fixed assets21/28€3.26M€3.26M=
Tangible fixed assets22/27€3.24M€3.24M=
Land and buildings22€3.09M€3.17M▲
Plant, machinery and equipment23€35k€2k▼
Furniture and vehicles24€114k€67k▼
Financial fixed assets28€19k€19k▲
Current assets29/58€434k€530k▲
Stocks and contracts in progress3-€302k
Stocks30/36-€302k
Amounts receivable within one year40/41€322k€137k▼
Trade receivables40€319k€137k▼
Other amounts receivable41€3k€204▼
Cash at bank and in hand54/58€104k€71k▼
Deferred charges and accrued income490/1€8k€19k▲
Equity and liabilities
Total equity and liabilities10/49€3.69M€3.79M▲
Equity10/15€2.04M€2.08M▲
Contributions10/11€19k€19k=
Reserves13€1.37M€1.41M▲
Tax-exempt reserves132€324k€295k▼
Distributable reserves133€1.05M€1.11M▲
Profit (loss) carried forward14€654k€654k=
Provisions and deferred taxes16€94k€85k▼
Deferred taxes168€94k€85k▼
Amounts payable17/49€1.56M€1.62M▲
Amounts payable after more than one year17€1.11M€1.19M▲
Financial debts170/4€1.11M€1.19M▲
Amounts payable within one year42/48€438k€421k▼
Current portion of amounts payable after more than one year42€189k€176k▼
Financial debts43€463€562▲
Credit institutions430/8-€99
Other loans439€463€463=
Trade debts44€66k€24k▼
Suppliers440/4€66k€24k▼
Taxes, remuneration and social security45€31k€67k▲
Taxes450/3€25k€63k▲
Remuneration and social security454/9€6k€4k▼
Other amounts payable47/48€152k€153k▲
Accrued charges and deferred income492/3€11k€11k▼
Income statement
Code20242025
Non-recurring operating income76A€144k€1k▼
Remuneration, social security and pensions62€150-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€138k€153k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€21k€23k▲
Non-recurring operating charges66A-€7k
Gross operating margin9900€491k€308k▼
Operating profit (loss)9901€328k€125k▼
Financial income75/76B€884€904▲
Recurring financial income75€884€904▲
Financial charges65/66B€51k€61k▲
Recurring financial charges65€51k€61k▲
Profit (loss) for the period before taxes9903€278k€65k▼
Transfer from deferred taxes780€3k€10k▲
Transfer to deferred taxes680€42k-
Income taxes67/77€39k€35k▼
Profit (loss) for the period9904€199k€39k▼
Transfer from tax-exempt reserves789€8k€29k▲
Transfer to tax-exempt reserves689€126k-
Profit (loss) for the period to be appropriated9905€82k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€735k€722k▼
Profit (loss) brought forward from the previous period14P€654k€654k=
Transfer to equity691/2€82k€68k▼
To other reserves6921€82k€68k▼
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €620 | €223k | - | €144k | €1k | ▼ 99.0% |
| Remuneration, social security and pensions62 | €7k | €251 | €-161 | €150 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €125k | €109k | €191k | €138k | €153k | ▲ 10.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €11k | €3k | - | - |
| Other operating charges640/8 | €19k | €17k | €20k | €21k | €23k | ▲ 6.6% |
| Non-recurring operating charges66A | - | - | - | - | €7k | - |
| Gross operating margin9900 | €300k | €481k | €275k | €491k | €308k | ▼ 37.4% |
| Operating profit (loss)9901 | €150k | €355k | €53k | €328k | €125k | ▼ 61.8% |
| Financial income75/76B | €176 | €316 | €674 | €884 | €904 | ▲ 2.3% |
| Recurring financial income75 | €176 | €316 | €674 | €884 | €904 | ▲ 2.3% |
| Financial charges65/66B | €30k | €27k | €34k | €51k | €61k | ▲ 19.4% |
| Recurring financial charges65 | €30k | €27k | €34k | €51k | €61k | ▲ 19.4% |
| Profit (loss) for the period before taxes9903 | €119k | €328k | €20k | €278k | €65k | ▼ 76.7% |
| Transfer from deferred taxes780 | - | - | €625 | €3k | €10k | ▲ 244% |
| Transfer to deferred taxes680 | - | €56k | - | €42k | - | - |
| Income taxes67/77 | €25k | €28k | €6k | €39k | €35k | ▼ 9.6% |
| Profit (loss) for the period9904 | €95k | €244k | €15k | €199k | €39k | ▼ 80.4% |
| Transfer from tax-exempt reserves789 | - | - | €2k | €8k | €29k | ▲ 244% |
| Transfer to tax-exempt reserves689 | - | €168k | - | €126k | - | - |
| Profit (loss) for the period to be appropriated9905 | €95k | €76k | €16k | €82k | €68k | ▼ 16.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.03M | €3.04M | €3.55M | €3.69M | €3.79M | ▲ 2.6% |
| Fixed assets21/28 | €2.75M | €2.52M | €3.28M | €3.26M | €3.26M | = |
| Tangible fixed assets22/27 | €2.73M | €2.50M | €3.26M | €3.24M | €3.24M | = |
| Land and buildings22 | €2.73M | €2.48M | €3.19M | €3.09M | €3.17M | ▲ 2.6% |
| Plant, machinery and equipment23 | - | €22k | €35k | €35k | €2k | ▼ 95.6% |
| Furniture and vehicles24 | €2k | €3k | €36k | €114k | €67k | ▼ 41.4% |
| Financial fixed assets28 | €19k | €19k | €19k | €19k | €19k | ▲ 1.3% |
| Current assets29/58 | €287k | €521k | €266k | €434k | €530k | ▲ 22.2% |
| Stocks and contracts in progress3 | - | - | - | - | €302k | - |
| Stocks30/36 | - | - | - | - | €302k | - |
| Amounts receivable within one year40/41 | €151k | €141k | €173k | €322k | €137k | ▼ 57.4% |
| Trade receivables40 | €151k | €130k | €168k | €319k | €137k | ▼ 57.1% |
| Other amounts receivable41 | €575 | €11k | €5k | €3k | €204 | ▼ 92.9% |
| Cash at bank and in hand54/58 | €132k | €376k | €85k | €104k | €71k | ▼ 31.5% |
| Deferred charges and accrued income490/1 | €4k | €4k | €8k | €8k | €19k | ▲ 151% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.03M | €3.04M | €3.55M | €3.69M | €3.79M | ▲ 2.6% |
| Equity10/15 | €1.59M | €1.83M | €1.84M | €2.04M | €2.08M | ▲ 1.9% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €913k | €1.16M | €1.17M | €1.37M | €1.41M | ▲ 2.9% |
| Tax-exempt reserves132 | €41k | €209k | €207k | €324k | €295k | ▼ 9.0% |
| Distributable reserves133 | €872k | €948k | €965k | €1.05M | €1.11M | ▲ 6.5% |
| Profit (loss) carried forward14 | €654k | €654k | €654k | €654k | €654k | = |
| Provisions and deferred taxes16 | - | €56k | €55k | €94k | €85k | ▼ 10.3% |
| Deferred taxes168 | - | €56k | €55k | €94k | €85k | ▼ 10.3% |
| Amounts payable17/49 | €1.45M | €1.16M | €1.65M | €1.56M | €1.62M | ▲ 4.3% |
| Amounts payable after more than one year17 | €1.08M | €926k | €1.25M | €1.11M | €1.19M | ▲ 7.6% |
| Financial debts170/4 | €1.08M | €926k | €1.25M | €1.11M | €1.19M | ▲ 7.6% |
| Amounts payable within one year42/48 | €361k | €218k | €389k | €438k | €421k | ▼ 4.0% |
| Current portion of amounts payable after more than one year42 | €147k | €149k | €160k | €189k | €176k | ▼ 6.9% |
| Financial debts43 | - | €508 | €869 | €463 | €562 | ▲ 21.4% |
| Credit institutions430/8 | - | €508 | €285 | - | €99 | - |
| Other loans439 | - | - | €584 | €463 | €463 | = |
| Trade debts44 | €155k | €26k | €50k | €66k | €24k | ▼ 63.0% |
| Suppliers440/4 | €155k | €26k | €50k | €66k | €24k | ▼ 63.0% |
| Taxes, remuneration and social security45 | €23k | €28k | €28k | €31k | €67k | ▲ 116% |
| Taxes450/3 | €20k | €24k | €25k | €25k | €63k | ▲ 151% |
| Remuneration and social security454/9 | €3k | €4k | €3k | €6k | €4k | ▼ 30.3% |
| Other amounts payable47/48 | €36k | €14k | €149k | €152k | €153k | ▲ 0.5% |
| Accrued charges and deferred income492/3 | €12k | €11k | €11k | €11k | €11k | ▼ 5.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95k | €244k | €15k | €199k | €39k | ▼ 80.4% |
| + Depreciation and write-downs630 | €125k | €109k | €191k | €138k | €153k | ▲ 10.6% |
| Operating cash flow (approximation) | €220k | €353k | €205k | €338k | €192k | ▼ 43.1% |
| Investment in fixed assets (approximation) | - | €119k | €-955k | €-114k | €-152k | ▼ 33.4% |
| Change in cash | - | €244k | €-290k | €18k | €-33k | ▼ 278% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €2MEq €2.04M ▲10.8%
4 profitable years in a row build equity to €2.04M.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €244k ▲158%
Operating result €355k, net result €244k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 2.39
Current ratio from 0.80 to 2.39; short-term debt falls from €361k to €218k.
20-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €95k
Net result €95k after one loss-making year.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
30-09
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
Show earlier events
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Evergem · 2 establishment units since 2005
Ground area
2,064 m²
Building footprint
364 m²
Volume, LiDAR
2,062 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
TORRAMIE
since 20052.145.526.667
TORRAMIE
since 20102.185.886.486
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44066C0318/00G000 | Flanders | 1,555 m² | 1 · 184 m² | 9.0 m · 2 fl. |
| 44066C0031/00A000 | Flanders | 509 m² | 1 · 180 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 585 EUR awarded · 585 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 585 EUR | 585 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 10,812 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-01-2005
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
43211General electrical installation work
43221Plumbing work
43240Other construction installation
43320Joinery installation
43410Roofing work
47730Retail sale of pharmaceutical products
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Contact
E-mail
annemie@torremoerman.beEvergem
E-mail
info@torremoerman.beEvergem
Phone
09 3573627Evergem
Fax
09/3573697Evergem
Scores and ratios are computed by Checked and are not a credit decision.