TEMA WONEN
ActiveSummary
TEMA WONEN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €33k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 47% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+94
Solvency69▼-8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 2.04 in 2024; short-term debt: 55.5% and cash: 86.2% of total assets), but 55.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
44.5%
Return on assets
20.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
35 d late
2023
9 d late
2022
31 d late
2021
31 d late
2020
17 d late
2019
27 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
€73k▲ 26.4%
2024 · €57k
2018: €89k
2019: €67k
2020: €78k
2021: €92k
2022: €106k
2023: €111k
2024: €57k
2018 → 2025
Total assets
€163k▲ 47.5%
2024 · €111k
2018: €123k
2019: €98k
2020: €80k
2021: €114k
2022: €203k
2023: €139k
2024: €111k
2018 → 2025
Net result
€33k
2024 · €-54k
2018: €36k
2019: €7k
2020: €11k
2021: €14k
2022: €15k
2023: €6k
2024: €-54k
2018 → 2025
Working capital
€71k▲ 29.1%
2024 · €55k
2018: €89k
2019: €66k
2020: €78k
2021: €92k
2022: €106k
2023: €110k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€106k▲ 15.1%€111k▲ 5.0%€57k▼ 48.5%€73k▲ 26.4%
Operating result€19k-€22k▲ 11.9%€9k▼ 60.2%€-54k€33k
Net result€14k-€15k▲ 4.1%€6k▼ 58.6%€-54k€33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €33k after a loss of €54k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€1k ▼ 42.8%
Current assets
€162k ▲ 49.3%
Equity and liabilities €163k
Equity
€73k ▲ 26.4%
Debt
€91k ▲ 70.4%
Debt's share of the balance-sheet total rises from 48.1% to 55.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €-53k
Cash flow
€34k▲
2024 · €-53k
Current ratio
1.79▼
2024 · 2.04
Debt to equity
1.25▲
2024 · 0.93
ROE
45.7%▲
2024 · -94.1%
ROA
20.3%▲
2024 · -48.8%
Interest coverage
635.96▲
2024 · -833.58
Debt ≤ 1 year
€91k▲
2024 · €53k
Income taxes
€253▲
2024 · €219
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€111k€163k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€108k€162k▲
Amounts receivable within one year40/41€11k€20k▲
Trade receivables40€4k€4k=
Other amounts receivable41€6k€16k▲
Cash at bank and in hand54/58€97k€141k▲
Deferred charges and accrued income490/1€958€983▲
Equity and liabilities
Total equity and liabilities10/49€111k€163k▲
Equity10/15€57k€73k▲
Contributions10/11€19k€19k=
Reserves13€39k€54k▲
Distributable reserves133€39k€54k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€53k€91k▲
Amounts payable within one year42/48€53k€91k▲
Trade debts44€48k€73k▲
Suppliers440/4€48k€73k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€3k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€634€909▲
Other operating charges640/8€663€839▲
Gross operating margin9900€-52k€35k▲
Operating profit (loss)9901€-54k€33k▲
Financial income75/76B€0€31▲
Recurring financial income75€0€31▲
Financial charges65/66B€64€54▼
Recurring financial charges65€64€54▼
Profit (loss) for the period before taxes9903€-54k€33k▲
Income taxes67/77€219€253▲
Profit (loss) for the period9904€-54k€33k▲
Profit (loss) for the period to be appropriated9905€-54k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€33k▲
Transfer from equity791/2€54k€18k▼
Transfer to equity691/2€0€33k▲
To other reserves6921€0€33k▲
Profit to be distributed694/7€0€18k▲
Return on contributions (dividend)694€0€18k▲
The notes to these accounts (6 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
31-12
Financial
Weakest financial yearnet €-54k ▼984%
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 5.03
Current ratio from 2.10 to 5.03; short-term debt falls from €97k to €27k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €106k ▲15.1%
5 profitable years in a row build equity to €106k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Liquidity times 12current ratio 36.81
Current ratio from 3.07 to 36.81; short-term debt falls from €32k to €2k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
Show earlier events
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
12-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 43 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Temse · 1 establishment unit since 2015
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.
Veldstraat 278 A9140 TemseGround area
2,893 m²
Building footprint
312 m²
Volume, LiDAR
1,447 m³
Parcel 46302C1108/00C000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TEMA WONEN
since 20152.241.842.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302C1108/00C000 | Flanders | 2,893 m² | 1 · 312 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
SUNNY INVEST
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VIERING
BE 0893.884.890
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SOGEPLA
BE 0456.361.244
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CERA-LUX
BE 0892.449.092
Vorst · Eq €72,365
DAMBOIS
BE 0474.476.983
Les Bons Villers · Eq €72,792
Of 7,293 companies in sector 43350 we hold annual accounts for 2,363. 1,999 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
Founded05-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
68329Real estate activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.