Tempus Caerus · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

Tempus Caerus is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €125k and a net result of €120k. Equity is growing by ~52.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 3139 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 85% of 3139 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-09-2025, 39 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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	08-09-2025	39 d late	2025-00485567
31-12-2023	31-07-2024	28-08-2024	28 d late	2024-00439732
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00438195
31-12-2021	31-07-2022	30-08-2022	30 d late	2022-20393397

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€125k-45.3%

Net result€120k+14.7%

Total assets€150k-49.2%

Solvency82.9%+6.0pp

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 08-09-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~52.9%/year over 4 fiscal years, indicative, assuming unchanged policy.

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 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	82.9%	52.5%	better than 85% of 3139 sector peers
Net result	€120k	€32k	better than 86% of 3135 sector peers
Equity	€125k	€75k	better than 64% of 3140 sector peers
Gross operating margin	€156k	€52k	better than 85% of 3132 sector peers
Total assets	€150k	€192k	better than 43% of 3141 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P85

Improving position over 2021-2024 · n=928-3139

Net result P86

Improving position over 2021-2024 · n=930-3135

Equity P64

Improving position over 2021-2024 · n=930-3140

Gross operating margin P85

Improving position over 2021-2024 · n=923-3132

Describes the position versus peers, not a forecast.

Net profit

€120k

+14.7% 21-24

Total assets

€150k

-49.2% 21-24

Equity

€125k

-45.3% 21-24

Income taxes

€35k

+22.2% 21-24

Dividends

€224k

- 21-24

Debt

€26k

-62.4% 21-24

Debt ≤ 1y

€26k

-62.5% 21-24

Solvency

82.9%

+7.8% 21-24

ROE

96.4%

+109.6% 21-24

ROA

79.9%

+125.9% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€120k
Cash flow	n/a
Staff costs	-
Income taxes	€35k
Dividends	€224k
Total assets	€150k
Equity	€125k
Debt	€26k
of which ≤ 1y	€26k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	82.9%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	79.9%
ROE	96.4%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €868 · 0.6% Current assets €150k · 99.4%

Equity & liabilities

Equity €125k · 82.9% Debt €26k · 17.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€150k
Fixed assets	21/28	€868
Tangible fixed assets	22/27	€868
Current assets	29/58	€150k
Amounts receivable within one year	40/41	€97k
Cash & bank	54/58	€52k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€150k
Equity	10/15	€125k
Contributions / capital	10/11	€2k
Reserves	13	€123k
Amounts payable	17/49	€26k
Amounts payable within one year	42/48	€26k
Trade debts payable within one year	44	€775
Income statement
Gross operating margin	9900	€156k
Operating result	9901	€155k
Financial charges	65	€183
Result before taxes	9903	€155k
Income taxes	67/77	€35k
Net result for the period	9904	€120k
Result to be appropriated	9905	€120k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Aardeweg 693582 Beringen

Establishment units

1 location

Tempus Caerus

Aardeweg 69, 3582 BeringenManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20212.314.073.372

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3,226 m²

Buildings1

Building footprint297 m²

Volume (LiDAR)1,488 m³

Tallest building7.9 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71029B1801/00D000	Flanders	3,226 m²	1 · 297 m²	7.9 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

93 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 100

Growth 78

Stability 94

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