LA TERRE

Active

Private limited company (pre-2019)founded 20178 yrs activeRue Albert Camus 1, 6031 Charleroi, BelgiumKBO/BCE: BE 0684.818.317

The computed 12-month bankruptcy probability of LA TERRE is 1.8% (moderate). The 2025 annual accounts show equity of €45k and a net result of €6k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 3462 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

93 / 100

Excellent▲ +7 vs 2024

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

Axes · tick = 2024

Profitability63▲+52

Solvency100=

Growth78▲+26

Stability100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 9.33 against 3.7 in 2024), and 10.7% 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

Six 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 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

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

89.3%

Return on assets

11.2%

Age of the figures

14 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed more than 90 days late

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-08-2026, 199 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 6 filings

Deviation from the deadline

2025

199 d late

2024

59 d early

2023

51 d early

2022

64 d early

2021

198 d late

2020

303 d late

← before the deadline after the deadline →

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 months

Position in the running window

30-06-2026 close05-09-2026 today31-01-2027 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

€45k▲ 14.3%

2024 · €39k

2022: €33k 2023: €38k 2024: €39k

2022 → 2025

Total assets

€50k▼ 6.6%

2024 · €54k

2022: €38k 2023: €45k 2024: €54k

2022 → 2025

Net result

€6k▲ 541%

2024 · €879

2022: €4k 2023: €5k 2024: €879

2022 → 2025

Working capital

€45k▲ 14.3%

2024 · €39k

2022: €25k 2023: €34k 2024: €39k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€33k-€38k▲ 15.7%€39k▲ 2.3%€45k▲ 14.3%

Operating result€8k-€6k▼ 27.1%€3k▼ 40.8%€11k▲ 246%

Net result€4k-€5k▲ 18.0%€879▼ 83.1%€6k▲ 541%

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 recovers in 2025; 2025 is 246% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €50k

89.3%

11%

Equity €45k▲ 14.3%

Debt €5k▼ 63.0%

The debt ratio falls from 27.0% to 10.7%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

Solvency

89.3%▲

2024 · 73.0%

Current ratio

9.33▲

2024 · 3.70

Quick ratio

8.75▲

2024 · 3.34

Debt / equity

0.12▼

2024 · 0.37

ROE

12.5%▲

2024 · 2.2%

ROA

11.2%▲

2024 · 1.6%

Debt

€5k▼

2024 · €15k

Debt ≤ 1 year

€5k▼

2024 · €15k

Income taxes

€5k▲

2024 · €1k

Staff costs

€44k▲

2024 · €18k

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

Total assets 20/58€54k€50k▼

Current assets 29/58€54k€50k▼

Stocks & contracts in progress 3€5k€3k▼

Amounts receivable within one year 40/41€14k€14k▲

Cash & bank 54/58€35k€33k▼

Total equity & liabilities 10/49€54k€50k▼

Equity 10/15€39k€45k▲

Contributions / capital 10/11€12k€12k=

Reserves 13€2k€2k=

Accumulated profits (losses) 14€25k€31k▲

Amounts payable 17/49€15k€5k▼

Amounts payable within one year 42/48€15k€5k▼

Trade debts payable within one year 44€1k€2k▲

Income statement Code20242025

Gross operating margin 9900€27k€56k▲

Operating result 9901€3k€11k▲

Financial charges 65€968€768▼

Result before taxes 9903€2k€11k▲

Income taxes 67/77€1k€5k▲

Net result for the period 9904€879€6k▲

Result to be appropriated 9905€879€6k▲

Timeline · acts, filings and financial milestones

All 10Financial 3Gazette 1Filings 6

Next filing, fiscal year 2026, expected by 31-01-2027

2026

18-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 199 days late

2025

30-06

Financial Highest result since 2022net €6k ▲541%

Operating result €11k, net result €6k, both a record.

30-06

Financial Liquidity triplescurrent ratio 9.33

Current ratio from 3.70 to 9.33; short-term debt falls from €15k to €5k.

2024

03-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

30-06

Financial Weakest financial yearnet €879 ▼83.1%

Net result drops to €879, the lowest in the series; recovery starts the following year.

2023

11-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2022

28-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

17-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 198 days late

04-07

State Gazette act Capital & shares

2021

30-11

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 303 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

1 of 5 acts read

About the unread acts

Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

no sitting director, last change in 2022

No sitting directors are on record for this company in the CBE. Not every legal form publishes directors; if they appear in the Belgian State Gazette later, they show up here automatically.

01-06-2022 Resigned as Manager

Not every act has been read: a resignation may be missing here

4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.

Location & real-estate footprint

Registered office, Charleroi · 1 establishment unit since 2018

exact location from the address register On OpenStreetMap

Ground area

234 m²

Building footprint

118 m²

Volume, LiDAR

1,387 m³

Parcel 52047B0157/00P002, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

LA TERRE