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Active
BE 0456.855.152Private limited company
NATUURSTEENBEDRIJF TEMMERMAN CHRISTOPHE
Schoolstraat 110 ·8800 Roeselare, Belgium· 30 yrs active
Sector: Cutting, shaping and finishing of stone
(23700)
Conclusion
NATUURSTEENBEDRIJF TEMMERMAN CHRISTOPHE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €765k and a net result of €-21k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 41% of 338 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €765k |
| Net result | €-21k |
| Better than sector | 41% |
| Active | 30 yrs |
Financial profile
51
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
61
Profitability
0
Solvency
63
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1996, 30 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
61
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€45k
estimate, not credit advice
Score history
41
2021
57
2022
33
2023
48
2024
61
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.14 (≥ 1.0)
+5
Leverage
Debt/equity 1.57 (< 2.0)
+3
Profitability
Negatieve ROE -3%
-10
Interest coverage
Interest coverage 47.1× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-11-2025 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±2.2%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 23, Manufacture of other non-metallic mineral products · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 39.0% | 48.4% | |
| Net result | €-21k | €6k | |
| Equity | €765k | €77k | |
| Gross operating margin | €176k | €41k | |
| Total assets | €1.96M | €215k |
€165k
+34.8%
21-25
€-21k
+57.5%
21-25
€162k
+35.9%
21-25
€1.96M
-3.0%
21-25
€765k
-2.6%
21-25
€16k
+525.9%
21-25
€162
+4.0%
21-25
€1.20M
-3.2%
21-25
€118k
-7.9%
21-25
€1.08M
-2.7%
21-25
1.14
+11.4%
21-25
0.75
+42.2%
21-25
39.0%
+0.3%
21-25
1.57
-0.6%
21-25
-2.7%
+56.3%
21-25
-1.0%
+56.2%
21-25
47.12
+60.6%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €165k | €122k | €183k | €164k | €139k |
| Net profit | €-21k | €-48k | €-2k | €8k | €473 |
| Cash flow | €162k | €119k | €180k | €160k | €135k |
| Staff costs | - | - | - | - | - |
| Income taxes | €162 | €156 | €2k | €3k | €956 |
| Dividends | - | - | - | - | - |
| Total assets | €1.96M | €2.02M | €2.11M | €1.93M | €1.93M |
| Equity | €765k | €786k | €834k | €836k | €829k |
| Debt | €1.20M | €1.24M | €1.27M | €1.10M | €1.10M |
| of which ≤ 1y | €118k | €128k | €148k | €204k | €138k |
| of which > 1y | €1.08M | €1.11M | €1.12M | €891k | €965k |
| Working capital | €16k | €3k | €-44k | €-101k | €-43k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.14 | 1.02 | 0.70 | 0.50 | 0.69 |
| Quick ratio | 0.75 | 0.52 | 0.43 | 0.23 | 0.34 |
| Working capital ratio | 0.8% | 0.1% | -2.1% | -5.2% | -2.2% |
| Solvency | 39.0% | 38.8% | 39.6% | 43.3% | 42.9% |
| Debt / equity | 1.57 | 1.58 | 1.53 | 1.31 | 1.16 |
| Long-term debt ratio | 1.41 | 1.41 | 1.35 | 1.06 | 1.16 |
| Interest coverage | 47.12 | 29.34 | 94.24 | 55.61 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -1.0% | -2.4% | -0.1% | 0.4% | 0.0% |
| ROE | -2.7% | -6.2% | -0.3% | 0.9% | 0.1% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €1.96M | €2.02M | €2.11M | €1.93M | €1.93M |
| Fixed assets | 21/28 | €1.83M | €1.89M | €2.00M | €1.83M | €1.84M |
| Tangible fixed assets | 22/27 | €1.83M | €1.89M | €2.00M | €1.83M | €1.84M |
| Current assets | 29/58 | €134k | €130k | €104k | €103k | €95k |
| Stocks & contracts in progress | 3 | €46k | €63k | €41k | €56k | €48k |
| Amounts receivable within one year | 40/41 | €51k | €36k | €24k | €34k | €33k |
| Cash & bank | 54/58 | €37k | €31k | €40k | €13k | €14k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.96M | €2.02M | €2.11M | €1.93M | €1.93M |
| Equity | 10/15 | €765k | €786k | €834k | €836k | €829k |
| Contributions / capital | 10/11 | €37k | €37k | €37k | €37k | - |
| Reserves | 13 | €703k | €724k | €772k | €775k | €767k |
| Amounts payable | 17/49 | €1.20M | €1.24M | €1.27M | €1.10M | €1.10M |
| Amounts payable after one year | 17 | €1.08M | €1.11M | €1.12M | €891k | €965k |
| Amounts payable within one year | 42/48 | €118k | €128k | €148k | €204k | €138k |
| Trade debts payable within one year | 44 | €5k | €2k | €4k | €13k | €17k |
| Income statement | ||||||
| Gross operating margin | 9900 | €176k | €133k | €196k | €174k | €149k |
| Operating result | 9901 | €-18k | €-45k | €284 | €12k | €4k |
| Financial income | 75 | €560 | €1k | €2k | €1k | €1k |
| Financial charges | 65 | €3k | €4k | €2k | €3k | €4k |
| Result before taxes | 9903 | €-20k | €-48k | €14 | €11k | €1k |
| Income taxes | 67/77 | €162 | €156 | €2k | €3k | €956 |
| Net result for the period | 9904 | €-21k | €-48k | €-2k | €8k | €473 |
| Result to be appropriated | 9905 | €-21k | €-48k | €-2k | €8k | €473 |
Legal Structure
| NACE primary | Cutting, shaping and finishing of stone(23700) |
| Legal form | Private limited company(610) |
| Incorporation | 03-01-1996 |
| Status | Active |
| Postal code | 8800 |
Establishment units
NATUURSTEENBEDRIJF TEMMERMAN C
since 19962.074.895.128
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505C0616/00C002 | Flanders | 292 m² | 1 · 86 m² | 9.5 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
31-03
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
31-03
Financial
Highest result since 2021net €8k ▲1542%
Operating result €12k, net result €8k, both a record.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2017
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Cutting, shaping and finishing of stone2370026700Other building finishing work43350
Names & trade names
| Legal nameNL | NATUURSTEENBEDRIJF TEMMERMAN CHRISTOPHE |
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