Traverma

Active

Private limited companyfounded 20197 yrs activeIndustrielaan 15, 8770 Ingelmunster, BelgiumKBO/BCE: BE 0726.666.491

The computed 12-month bankruptcy probability of Traverma is 3.5% (moderate). The 2025 annual accounts show equity of €217k and a net result of €46k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 1828 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

45 / 100

Fair▼ -8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency23▼-8

Growth52▼-26

Stability100

Bankruptcy probability, 12 months

3.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity short (current ratio 0.95 against 0.99 in 2024), and 80.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

19.2%

Return on assets

4.1%

Age of the figures

17 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1828 sector peers (2025).

NBB · sector comparison

Position among 1828 sector peers

Solvency

better than 24%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-10-2025, 4 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

4 d early

2024

14 d early

2023

on the day

2022

3 d late

2021

2 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close13-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€217k=

2024 · €217k

2021: €165k 2022: €183k 2023: €217k 2024: €217k

2021 → 2025

Total assets

€1.13M▲ 17.5%

2024 · €962k

2021: €977k 2022: €726k 2023: €752k 2024: €962k

2021 → 2025

Net result

€46k▼ 68.6%

2024 · €146k

2021: €145k 2022: €18k 2023: €34k 2024: €146k

2021 → 2025

Working capital

€-27k▼ 387%

2024 · €-5k

2021: €-256k 2022: €-8k 2023: €-26k 2024: €-5k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€165k-€183k▲ 11.1%€217k▲ 18.6%€217k=€217k=

Operating result€176k-€32k▼ 81.7%€53k▲ 63.8%€197k▲ 273%€69k▼ 65.2%

Net result€145k-€18k▼ 87.3%€34k▲ 86.2%€146k▲ 328%€46k▼ 68.6%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 65% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.13M

55.3%

44.7%

Fixed assets €625k▲ 35.7%

Current assets €506k▲ 0.9%

Equity and liabilities €1.13M

19.2%

80.8%

Equity €217k=

Debt €914k▲ 22.7%

The debt ratio rises from 77.4% to 80.8%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€293k▼

2024 · €386k

Cash flow

€270k▼

2024 · €335k

Solvency

19.2%▼

2024 · 22.6%

Current ratio

0.95▼

2024 · 0.99

Quick ratio

0.94▼

2024 · 0.98

Debt / equity

4.21▲

2024 · 3.43

ROE

21.1%▼

2024 · 67.3%

ROA

4.1%▼

2024 · 15.2%

Interest coverage

16.57▼

2024 · 34.76

Debt

€914k▲

2024 · €745k

Debt ≤ 1 year

€532k▲

2024 · €507k

Debt > 1 year

€382k▲

2024 · €238k

Income taxes

€7k▼

2024 · €42k

Staff costs

€383k▲

2024 · €245k

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€962k€1.13M▲

Fixed assets21/28€461k€625k▲

Intangible fixed assets21€62k€53k▼

Tangible fixed assets22/27€399k€572k▲

Plant, machinery and equipment23€74k€44k▼

Furniture and vehicles24€64k€62k▼

Leasing and similar rights25€261k€466k▲

Financial fixed assets28€540€540=

Current assets29/58€501k€506k▲

Amounts receivable after more than one year29€45k€45k=

Other amounts receivable291€45k€45k=

Stocks and contracts in progress3€4k€7k▲

Stocks30/36€4k€7k▲

Amounts receivable within one year40/41€334k€303k▼

Trade receivables40€294k€273k▼

Other amounts receivable41€40k€30k▼

Cash at bank and in hand54/58€101k€130k▲

Deferred charges and accrued income490/1€17k€21k▲

Equity and liabilities

Total equity and liabilities10/49€962k€1.13M▲

Equity10/15€217k€217k=

Contributions10/11€20k€20k=

Reserves13€197k€197k=

Distributable reserves133€197k€197k=

Profit (loss) carried forward14€0€0=

Amounts payable17/49€745k€914k▲

Amounts payable after more than one year17€238k€382k▲

Financial debts170/4€238k€382k▲

Amounts payable within one year42/48€507k€532k▲

Current portion of amounts payable after more than one year42€148k€188k▲

Financial debts43€4k€3k▼

Credit institutions430/8€4k€3k▼

Trade debts44€135k€152k▲

Suppliers440/4€135k€152k▲

Taxes, remuneration and social security45€73k€65k▼

Taxes450/3€60k€25k▼

Remuneration and social security454/9€14k€40k▲

Other amounts payable47/48€146k€125k▼

Accrued charges and deferred income492/3€0-

Income statement Code20242025

Non-recurring operating income76A€0-

Remuneration, social security and pensions62€245k€383k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€189k€224k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€2k▼

Other operating charges640/8€9k€7k▼

Non-recurring operating charges66A€0-

Gross operating margin9900€643k€686k▲

Operating profit (loss)9901€197k€69k▼

Financial income75/76B€2k€1k▼

Recurring financial income75€2k€1k▼

Financial charges65/66B€11k€18k▲

Recurring financial charges65€11k€18k▲

Profit (loss) for the period before taxes9903€188k€52k▼

Income taxes67/77€42k€7k▼

Profit (loss) for the period9904€146k€46k▼

Profit (loss) for the period to be appropriated9905€146k€46k▼

Appropriation of the result

Profit (loss) to be appropriated9906€146k€46k▼

Transfer to equity691/2€0-

To other reserves6921€0-

Profit to be distributed694/7€146k€46k▼

Return on contributions (dividend)694€146k€46k▼

Social balance

Average headcount (FTE)90874.26.3▲

The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-10-2026

2025

27-10

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2024

17-10

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

31-03

Financial Highest result since 2021net €146k ▲328%

Operating result €197k, net result €146k, both a record.

2023

31-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

31-03

Financial Equity above €200kEq €217k ▲18.6%

3 profitable years in a row build equity to €217k.

2022

03-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 3 days late

31-03

Financial Weakest financial yearnet €18k ▼87.3%

Net result drops to €18k, the lowest in the series; recovery starts the following year.

2021

02-11

NBB filing Annual accounts filed

fiscal year 2021 · 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

1 director, no change since 2024

HEYMANS Ayla

Director · since 18-03-2024

Current

18-03-2024 Appointed as Director

Location & real-estate footprint

Registered office, Ingelmunster · 2 establishment units since 2019

establishment All 2 establishment units on the map

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.

Industrielaan 158770 Ingelmunster

Ground area

5,235 m²

Building footprint

1,465 m²

Volume, LiDAR

7,363 m³

2 parcels, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

Traverma

Industrielaan 15, 8770 IngelmunsterFreight transport by road

since 20192.289.112.205

Traverma

Tombrugstraat 5, 8850 ArdooieFreight transport by road

since 20212.337.139.774

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
36007A0816/00H000	Flanders	2,964 m²	1 · 552 m²	8.4 m · 1 fl.
36001D0077/00K003	Flanders	2,272 m²	1 · 912 m²	6.8 m · 2 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.

Public money · subsidies and aid

Flemish government

2023 to 2025 · 5 entries · 3,420 EUR awarded · 3,264 EUR paid

Year	Entries	awarded	paid
2025	1	762 EUR	702 EUR
2024	2	1,102 EUR	1,062 EUR
2023	2	1,556 EUR	1,500 EUR

Schemes

Subsidies ecologisch en veilig transport (stopgezet)

1 entry · 1,500 EUR · 1,500 EUR paid · Departement Mobiliteit en Openbare Werken

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

3 entries · 1,247 EUR · 1,091 EUR paid · Fonds voor Innoveren en Ondernemen

Vlaams opleidingsverlof (VOV)

1 entry · 673 EUR · 673 EUR paid · Departement Werk en Sociale Economie

Recognitions · licences · registrations

Food safety, FASFC

1 site

Ardooie2.337.139.774

1 permission

Vervoer levensmiddelen onder gecontroleerde temperatuur en/of atmosfeer · since 08-01-2024

Similar companies · same sector, comparable size

Of 12,446 companies in sector 49410 we hold annual accounts for 8,086. 6,054 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-05-2019

Fiscal year end31-03

Activities, NACEBEL

49410Freight transport by road

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

Website:www.traverma.be

Enterprise

E-mail:info@traverma.be

Enterprise