TERROIRS DIFFUSION
ActiveTERROIRS DIFFUSION has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €766k and a net result of €-58k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 68% of 4826 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-25
Solvency99▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 2.3 in 2024), and 38% of the assets are financed with debt.
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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
on the day
2023
5 d late
2022
on the day
2021
3 d early
2020
24 d late
2019
on the day
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-58k
2024 · €42k
2019: €-78k
2020: €53k
2021: €43k
2022: €79k
2023: €74k
2024: €42k
2019 → 2025
Working capital
€516k▼ 13.3%
2024 · €595k
2019: €455k
2020: €488k
2021: €508k
2022: €561k
2023: €593k
2024: €595k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€630k-€709k▲ 12.6%€783k▲ 10.4%€824k▲ 5.4%€766k▼ 7.1%
Operating result€51k-€112k▲ 119%€116k▲ 3.9%€62k▼ 47.0%€-53k
Net result€43k-€79k▲ 84.9%€74k▼ 7.3%€42k▼ 43.1%€-58k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €53k after €62k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€306k▼ 7.6%
Current assets
€930k▼ 11.7%
Equity and liabilities €1.24M
Equity
€766k▼ 7.1%
Debt
€469k▼ 16.1%
The debt ratio falls from 40.4% to 38.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-24k▼
2024 · €87k
Cash flow
€-29k▼
2024 · €67k
Solvency
62.0%▲
2024 · 59.6%
Current ratio
2.25▼
2024 · 2.30
Quick ratio
0.92▼
2024 · 1.14
Debt / equity
0.61▼
2024 · 0.68
ROE
-7.6%▼
2024 · 5.1%
ROA
-4.7%▼
2024 · 3.0%
Interest coverage
-4.63▼
2024 · 19.08
Debt
€469k▼
2024 · €559k
Debt ≤ 1 year
€414k▼
2024 · €457k
Debt > 1 year
€56k▼
2024 · €99k
Staff costs
€60k▲
2024 · €54k
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
Assets
Total assets20/58€1.38M€1.24M▼
Fixed assets21/28€331k€306k▼
Tangible fixed assets22/27€331k€306k▼
Land and buildings22€295k€277k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€34k€27k▼
Financial fixed assets28€124-
Current assets29/58€1.05M€930k▼
Stocks and contracts in progress3€533k€549k▲
Stocks30/36€533k€549k▲
Amounts receivable within one year40/41€343k€282k▼
Trade receivables40€286k€214k▼
Other amounts receivable41€57k€68k▲
Cash at bank and in hand54/58€170k€93k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.24M▼
Equity10/15€824k€766k▼
Contributions10/11€100k€100k=
Reserves13€724k€666k▼
Tax-exempt reserves132€15k€15k=
Distributable reserves133€709k€651k▼
Amounts payable17/49€559k€469k▼
Amounts payable after more than one year17€99k€56k▼
Financial debts170/4€99k€56k▼
Amounts payable within one year42/48€457k€414k▼
Current portion of amounts payable after more than one year42€43k€44k▲
Trade debts44€290k€263k▼
Suppliers440/4€290k€263k▼
Taxes, remuneration and social security45€51k€19k▼
Taxes450/3€44k€9k▼
Remuneration and social security454/9€7k€10k▲
Other amounts payable47/48€73k€88k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Non-recurring operating income76A€37k-
Remuneration, social security and pensions62€54k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€30k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€27k
Other operating charges640/8€10k€7k▼
Non-recurring operating charges66A€633-
Gross operating margin9900€152k€71k▼
Operating profit (loss)9901€62k€-53k▼
Financial income75/76B€87€391▲
Recurring financial income75€87€391▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€57k€-58k▼
Income taxes67/77€15k-
Profit (loss) for the period9904€42k€-58k▼
Profit (loss) for the period to be appropriated9905€42k€-58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€-58k▼
Transfer from equity791/2-€58k
Transfer to equity691/2€42k-
To other reserves6921€42k-
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (11 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 2 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 5 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Highest result since 2019net €79k ▲84.9%
Net result €79k, the highest in the series.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
30-06
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ath · 1 establishment unit since 1991
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.
Rue Ernest Cambier 237800 AthGround area
1,080 m²
Building footprint
385 m²
Volume, LiDAR
5,398 m³
Parcel 51004D0672/00L000, Wallonia · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Rue Ernest Cambier 23, 7800 Ath
since 19912.052.548.902
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004D0672/00L000 | Wallonia | 1,080 m² | 1 · 385 m² | 17.8 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAth2.052.548.902
Similar companies · same sector, comparable size
DRANKEN HOUBEN
BE 0465.918.615
Hasselt · Eq €779k
DRANKENHANDEL DE FRUYT
BE 0438.843.341
Lievegem · Eq €754k
VIZYON DRINKS
BE 0695.432.986
Brussel · Eq €782k
FLANDRIA DRINKS
BE 0465.918.516
Eeklo · Eq €783k
Drankencentrale NUELANT
BE 0426.654.795
Aalst · Eq €784k
Of 1,569 companies in sector 46349 we hold annual accounts for 979. 625 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-1991
Fiscal year end30-06
Activities, NACEBEL
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
51340
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.