What does TERCHAP do?

TERCHAP is a construction company in Chapelle-lez-Herlaimont. Private Limited, started on 9 January 1998, 1 establishment.

What is the address of TERCHAP?

The registered office of TERCHAP is located at Rue de Manage 56, 7160 Chapelle-lez-Herlaimont.

Is TERCHAP still active?

Yes. According to the CBE (30 October 2026) TERCHAP is active, legal situation “Normale toestand”, started on 9 January 1998.

Is TERCHAP registered on Peppol?

Yes, TERCHAP is registered on the Peppol network with ID 0208:0462389397.

What is the enterprise number of TERCHAP?

The enterprise number of TERCHAP is BE0462389397.

When was TERCHAP founded?

TERCHAP was founded on 9 January 1998.

Who are the directors of TERCHAP?

According to the 2025 annual accounts, the directors of TERCHAP are: Hassan TERNAD.

Is TERCHAP a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 9 January 1998; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did TERCHAP make in 2025?

TERCHAP recorded a loss after taxes of € 33,319 in financial year 2025.

What is the revenue of TERCHAP?

As a small company, TERCHAP is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 115,959.

Does TERCHAP have a website?

Yes, TERCHAP has a website at terchap.be.

TERCHAP (Private Limited) - Chapelle-lez-Herlaimont

Dossier TERCHAP, printed on 30 October 2026 from databakkes.be/en/0462389397/terchap. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 47 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

TERCHAP from Chapelle-lez-Herlaimont, company number BE0462389397, closed financial year 2025 with a result of € -33,319 after tax. For that financial year TERCHAP recorded a gross margin of € 115,959 and equity of € 42,961. Compared with financial year 2024, the result moved from € -1,971 to € -33,319. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 30, 2026.

What it is worth Healthy

€ 42,961

▼ 49% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -33,319

▼ 1590 % more loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 8,239

▼ 73% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 22,085.

People and assets in 2025

Wage cost

€ 113,198

▼ 6% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 2,088

▲ € 1,615 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 21 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 323,198

▼ 8% vs 2024

€ 14,239 is repaid this year. At this pace the long-term loan is gone in ≈ 21 years.

Owed to suppliers

€ 34,269

▼ 8% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 9,071

▼ 74% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 208,283 Gross margin 2022: € 208,283 First fiscal year in the series	€ 160,609 Gross margin 2023: € 160,609 ▼ 23% vs 2022 (€ 208,283) Unfavourable step	€ 168,883 Gross margin 2024: € 168,883 ▲ 5% vs 2023 (€ 160,609) Favourable step	€ 115,959 Gross margin 2025: € 115,959 ▼ 31% vs 2024 (€ 168,883) Unfavourable step	▼ 31%
Profit after taxes	€ 22,331 Profit after taxes 2022: € 22,331 First fiscal year in the series	€ -7,153 Profit after taxes 2023: € -7,153 ▼ € 29,484 vs 2022 (€ 22,331) Unfavourable step	€ -1,971 Profit after taxes 2024: € -1,971 ▲ € 5,181 vs 2023 (€ -7,153) Favourable step	€ -33,319 Profit after taxes 2025: € -33,319 ▼ € 31,348 vs 2024 (€ -1,971) Unfavourable step	▼ € 31,348
Equity	€ 110,144 Equity 2022: € 110,144 First fiscal year in the series	€ 94,745 Equity 2023: € 94,745 ▼ 14% vs 2022 (€ 110,144) Unfavourable step	€ 84,527 Equity 2024: € 84,527 ▼ 11% vs 2023 (€ 94,745) Unfavourable step	€ 42,961 Equity 2025: € 42,961 ▼ 49% vs 2024 (€ 84,527) Unfavourable step	▼ 49%
Total debts	€ 262,967 Total debts 2022: € 262,967 First fiscal year in the series	€ 406,875 Total debts 2023: € 406,875 ▲ 55% vs 2022 (€ 262,967) Unfavourable step	€ 564,272 Total debts 2024: € 564,272 ▲ 39% vs 2023 (€ 406,875) Unfavourable step	€ 485,037 Total debts 2025: € 485,037 ▼ 14% vs 2024 (€ 564,272) Favourable step	▼ 14%
Cash	€ 778 Cash 2022: € 778 First fiscal year in the series	€ 1,207 Cash 2023: € 1,207 ▲ 55% vs 2022 (€ 778) Favourable step	€ 30,936 Cash 2024: € 30,936 ▲ € 29,729 vs 2023 (€ 1,207) Favourable step	€ 8,239 Cash 2025: € 8,239 ▼ 73% vs 2024 (€ 30,936) Unfavourable step	▼ 73%
Land & buildings	€ 169,212 Land & buildings 2022: € 169,212 First fiscal year in the series	€ 231,034 Land & buildings 2023: € 231,034 ▲ 37% vs 2022 (€ 169,212) Unchanged	€ 216,455 Land & buildings 2024: € 216,455 ▼ 6% vs 2023 (€ 231,034) Unchanged	€ 223,628 Land & buildings 2025: € 223,628 ▲ 3% vs 2024 (€ 216,455) Unchanged	▲ 3%
Retained profit	€ 64,528 Retained profit 2022: € 64,528 First fiscal year in the series	€ 57,375 Retained profit 2023: € 57,375 ▼ 11% vs 2022 (€ 64,528) Unfavourable step	€ 55,404 Retained profit 2024: € 55,404 ▼ 3% vs 2023 (€ 57,375) Unfavourable step	€ 22,085 Retained profit 2025: € 22,085 ▼ 60% vs 2024 (€ 55,404) Unfavourable step	▼ 60%
Bank debt	€ 130,259 Bank debt 2022: € 130,259 First fiscal year in the series	€ 244,848 Bank debt 2023: € 244,848 ▲ 88% vs 2022 (€ 130,259) Unfavourable step	€ 352,420 Bank debt 2024: € 352,420 ▲ 44% vs 2023 (€ 244,848) Unfavourable step	€ 323,198 Bank debt 2025: € 323,198 ▼ 8% vs 2024 (€ 352,420) Favourable step	▼ 8%
Balance sheet total	€ 373,111 Balance sheet total 2022: € 373,111 First fiscal year in the series	€ 501,620 Balance sheet total 2023: € 501,620 ▲ 34% vs 2022 (€ 373,111) Unchanged	€ 648,799 Balance sheet total 2024: € 648,799 ▲ 29% vs 2023 (€ 501,620) Unchanged	€ 527,998 Balance sheet total 2025: € 527,998 ▼ 19% vs 2024 (€ 648,799) Unchanged	▼ 19%

Key figures of TERCHAP, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to TERCHAP?

What happened at TERCHAP in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 30, 2026 New annual accounts for financial year 2025: loss of € 33,319. filed late Source: NBB ↗
Sep 9, 1998 New establishment in Chapelle-lez-Herlaimont. KBO
Jan 9, 1998 Start of the company according to the CBE. KBO

In short

From € 22,331 profit in 2022 to € 33,319 loss in 2025.

Paid € 7,737 in corporate taxes since 2022.

Best year ever: 2022, with € 22,331 profit.

Original PDFs at the National Bank ↗

Management

Hassan TERNAD

TERCHAP

Behind TERCHAP is Hassan TERNAD.

Directors

According to the 2025 annual accounts

Hassan TERNAD

Manager

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de Manage 56

7160 Chapelle-lez-Herlaimont

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

ISO2H

IMO 2 HD

€ -333 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS terchap.be

Technologies

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Hosting & Email

Email provider

Self-hosted

Hosting

OVH, FR

DNS

OVH DNS

Website info

HTTPS Ja

Features

Ads

Security

✓ HTTPS

✓ SPF

✓ DMARC

Details

Company number

0462.389.397

VAT number

BE 0462.389.397

Registered office

Rue de Manage 56, 7160 Chapelle-lez-Herlaimont

Names & denominations

TERCHAP

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

9 January 1998

Peppol

Active · Active since 17 Dec 2025

Contact

terchap.be

Activities · NACE

Algemene bouw van residentiële gebouwen

Bouwen van individuele huizen

Plaatsen van vloer- en wandtegels

Overige gespecialiseerde werkzaamheden in de bouw

Chapewerken

View on CBE Public ↗ Annual accounts (NBB) ↗

TERCHAP

Warning lights

Financials

What happened to TERCHAP?

Management

Directors

Establishments

Establishment units

Who else lives here?

Website

Technologies

Hosting & Email

Website info

Features

Security

Details

Frequently asked questions