Age4 yrs
Real estate1 parcel · 687 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of TERAZZO is 3.3% (moderate). The 2024 annual accounts show negative equity (€-2k) and a net result of €19k. Equity is growing by ~108% per year across the filed fiscal years. Its solvency ranks better than 9% of 3841 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 3 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.3%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
2 signals · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 3841 sector peers (2024).
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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 23 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.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 3 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 | 14-07-2025 | 17 d early | 2025-00268306 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00430501 |
| 31-12-2022 | 31-07-2023 | 30-08-2024 | 396 d late | 2024-00444035 |
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 signalsMore 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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€19k-29.8%
Working capital€-8k+63.6%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 14-07-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~108%/year over 3 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 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -6.3% | 39.5% | |
| Net result | €19k | €9k | |
| Equity | €-2k | €29k | |
| Gross operating margin | €30k | €26k | |
| Total assets | €36k | €85k |
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).
P9
Stable position over 2022-2024
· n=2278-3841
P66
Improving position over 2022-2024
· n=2272-3837
P9
Stable position over 2022-2024
· n=2283-3846
P53
Improving position over 2022-2024
· n=2266-3834
Describes the position versus peers, not a forecast.
€29k
-25.2%
22-24
€19k
-29.8%
22-24
€27k
-22.7%
22-24
€36k
-25.0%
22-24
€-2k
+89.1%
22-24
€-8k
+63.6%
22-24
€38k
-44.4%
22-24
€26k
-40.4%
22-24
Show 8 other metrics
€12k
-51.3%
22-24
0.69
+38.9%
22-24
0.53
+341.4%
22-24
-6.3%
+85.5%
22-24
-16.86
-410.7%
22-24
-819.0%
-545.4%
22-24
51.6%
-6.4%
22-24
13.58
+43.2%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €29k |
| Net profit | €19k |
| Cash flow | €27k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €36k |
| Equity | €-2k |
| Debt | €38k |
| of which ≤ 1y | €26k |
| of which > 1y | €12k |
| Working capital | €-8k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.69 |
| Quick ratio | 0.53 |
| Working capital ratio | -22.0% |
| Solvency | -6.3% |
| Debt / equity | -16.86 |
| Long-term debt ratio | -5.47 |
| Interest coverage | 13.58 |
| Gross margin | - |
| Net margin | - |
| ROA | 51.6% |
| ROE | -819.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €36k |
| Fixed assets | 21/28 | €18k |
| Intangible fixed assets | 21 | €235 |
| Tangible fixed assets | 22/27 | €18k |
| Current assets | 29/58 | €18k |
| Stocks & contracts in progress | 3 | €4k |
| Amounts receivable within one year | 40/41 | €13k |
| Cash & bank | 54/58 | €667 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €36k |
| Equity | 10/15 | €-2k |
| Contributions / capital | 10/11 | €20k |
| Accumulated profits (losses) | 14 | €-22k |
| Amounts payable | 17/49 | €38k |
| Amounts payable after one year | 17 | €12k |
| Amounts payable within one year | 42/48 | €26k |
| Income statement | ||
| Gross operating margin | 9900 | €30k |
| Operating result | 9901 | €21k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €19k |
| Net result for the period | 9904 | €19k |
| Result to be appropriated | 9905 | €19k |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed8
/ 100
Critical
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.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 director2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Former directors (1)
-
LAVALLE FabioDirectorState Gazette act 25080640 (26-06-2025)Former- → 26-06-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 09-11-2021 |
| Status | Active |
| Postal code | 7000 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationTERAZZO
since 20212.327.285.564
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area687 m²
Buildings1
Building footprint53 m²
Volume (LiDAR)128 m³
Tallest building6.1 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053H1257/00A000 | Wallonia | 687 m² | 1 · 53 m² | 6.1 m · 1 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
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 1 year ago
2025
26-06-2025 LAVALLE Fabio resigns as director
- LAVALLE Fabio, Bestuurder
Analysis
Financial profile
5 of 5 axes measured44
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
8
Profitability
0
Solvency
38
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0463.062.756 · Mons
BE 0673.914.428 · Mons
BE 0788.445.197 · Mons
BE 1011.669.220 · Mons
BE 1002.994.648 · Mons
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,401 of the 29,600 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Reparatie en onderhoud van huishoudapparaten en van werktuigen voor gebruik in huis en tuin95220
Primary activity highlighted.
Names & trade names
| Legal nameFR | TERAZZO |
Registered office
Rue des Archers 2
7000 Mons, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.