VAN HOUTS - TEMMERMAN
ActiveSummary
VAN HOUTS - TEMMERMAN has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.20M and a net result of €-70k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 13.73 against 8.61 in 2024; short-term debt: 6.4% and cash: 84.8% of total assets), and 8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
92%
Return on assets
-2.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-70k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
61 d late
2022
on the day
2021
31 d late
2020
on the day
2019
31 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.20M▼ 3.1%
2024 · €2.27M
2018: €970k
2019: €1.18M
2020: €1.52M
2021: €1.74M
2022: €1.97M
2023: €2.34M
2024: €2.27M
2018 → 2025
Total assets
€2.39M▼ 8.8%
2024 · €2.62M
2018: €1.81M
2019: €2.04M
2020: €2.40M
2021: €2.59M
2022: €2.40M
2023: €2.71M
2024: €2.62M
2018 → 2025
Net result
€-70k=
2024 · €-70k
2018: €124k
2019: €213k
2020: €342k
2021: €223k
2022: €236k
2023: €920k
2024: €-70k
2018 → 2025
Working capital
€1.94M▼ 3.7%
2024 · €2.02M
2018: €115k
2019: €419k
2020: €878k
2021: €1.20M
2022: €1.49M
2023: €2.12M
2024: €2.02M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.74M-€1.97M▲ 12.6%€2.34M▲ 19.0%€2.27M▼ 3.0%€2.20M▼ 3.1%
Operating result€357k-€337k▼ 5.6%€1.35M▲ 301%€-46k€-41k▲ 11.4%
Net result€223k-€236k▲ 5.6%€920k▲ 290%€-70k€-70k=
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 stays negative: a loss of €41k in 2025 against €46k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.39M
Fixed assets
€292k ▼ 12.6%
Current assets
€2.10M ▼ 8.2%
Equity and liabilities €2.39M
Equity
€2.20M ▼ 3.1%
Debt
€191k ▼ 45.5%
Debt's share of the balance-sheet total falls from 13.4% to 8.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €7k
Cash flow
€-14k▲
2024 · €-17k
Current ratio
13.73▲
2024 · 8.61
Debt to equity
0.09▼
2024 · 0.15
ROE
-3.2%▼
2024 · -3.1%
ROA
-2.9%▼
2024 · -2.7%
Interest coverage
0.38▲
2024 · 0.17
Debt ≤ 1 year
€153k▼
2024 · €265k
Income taxes
€1k▲
2024 · €-2k
Staff costs
€-2k▼
2024 · €6k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.62M€2.39M▼
Fixed assets21/28€334k€292k▼
Tangible fixed assets22/27€334k€292k▼
Land and buildings22€315k€267k▼
Plant, machinery and equipment23€16k€15k▼
Furniture and vehicles24€2k€9k▲
Other tangible fixed assets26€1k€1k=
Current assets29/58€2.28M€2.10M▼
Amounts receivable within one year40/41€33k€23k▼
Trade receivables40-€23k
Other amounts receivable41€33k€0▼
Current investments50/53€18k€18k=
Cash at bank and in hand54/58€2.21M€2.03M▼
Deferred charges and accrued income490/1€22k€30k▲
Equity and liabilities
Total equity and liabilities10/49€2.62M€2.39M▼
Equity10/15€2.27M€2.20M▼
Contributions10/11€6k€6k=
Reserves13€2.26M€2.19M▼
Tax-exempt reserves132€183k€105k▼
Distributable reserves133€2.08M€2.09M▲
Profit (loss) carried forward14€1k€0▼
Amounts payable17/49€351k€191k▼
Amounts payable within one year42/48€265k€153k▼
Trade debts44€64k€6k▼
Suppliers440/4€64k€6k▼
Taxes, remuneration and social security45€23k€24k▲
Taxes450/3€23k€24k▲
Other amounts payable47/48€178k€123k▼
Accrued charges and deferred income492/3€86k€39k▼
Income statement
Code20242025
Remuneration, social security and pensions62€6k€-2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€56k▲
Other operating charges640/8€6k€5k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€19k€18k▼
Operating profit (loss)9901€-46k€-41k▲
Financial income75/76B€16k€11k▼
Recurring financial income75€16k€11k▼
Financial charges65/66B€43k€39k▼
Recurring financial charges65€43k€39k▼
Profit (loss) for the period before taxes9903€-72k€-69k▲
Income taxes67/77€-2k€1k▲
Profit (loss) for the period9904€-70k€-70k=
Transfer from tax-exempt reserves789€183k€78k▼
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€113k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€9k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2€0€2k▲
Transfer to equity691/2€113k€11k▼
To other reserves6921€113k€11k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Employees696€0-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-70k
Net result drops to €-70k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €920k ▲290%
Operating result €1.35M, net result €920k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 11.57
Current ratio from 5.61 to 11.57; short-term debt falls from €323k to €201k.
31-12
Financial
Equity above €2MEq €2.34M ▲19%
6 profitable years in a row build equity to €2.34M.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.61
Current ratio from 2.64 to 5.61; short-term debt falls from €731k to €323k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
Show earlier events
2019
31-12
Financial
Equity above €1MEq €1.18M ▲21.8%
2 profitable years in a row build equity to €1.18M.
25-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 25 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Sint-Niklaas · 1 establishment unit since 2003
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.
Hooimanstraat 1959111 Sint-NiklaasGround area
3,162 m²
Building footprint
311 m²
Volume, LiDAR
1,565 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lokerse Baan 25 A, 9111 Sint-Niklaas
since 20032.126.600.185
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002A1032/00H000indicative | Flanders | 2,191 m² | 1 · 182 m² | 8.1 m · 1 fl. |
| 46002A1119/00T000 | Flanders | 971 m² | 1 · 129 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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 · 2,420 EUR awarded · 2,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Legal Entity Identifier
8945008N0PNLNHH0NJ36
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 19,061 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2002
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.