Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 34 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
TERROIRS ET DECOUVERTES from Tournai, company number BE0462908051, closed financial year 2026 with a result of € 15,070 after tax. For that financial year TERROIRS ET DECOUVERTES recorded a gross margin of € 116,533 and equity of € 66. Compared with financial year 2025, the result moved from € 26,728 to € 15,070. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 22, 2026.
€ 66
▲ € 15,070 vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 15,070
▼ 44% vs 2025
Profit after tax over the fiscal year.
€ 28,501
▼ 14% vs 2025
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2026. Retained profit grew to € -110,920.
People and assets in 2026
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 74,120
▲ 3% vs 2025
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 35,339
▼ 7% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
€ 96,260
▼ 22% vs 2025
€ 24,117 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 101,132
▲ 6% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 30,861
▲ 1% vs 2025
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 118,961 | € 141,568 | € 119,883 | € 116,533 | ▼ 3% |
| Profit after taxes | € 18,398 | € 24,925 | € 26,728 | € 15,070 | ▼ 44% |
| Equity | € -66,657 | € -41,732 | € -15,004 | € 66 | ▲ € 15,070 |
| Total debts | € 480,645 | € 391,633 | € 302,460 | € 283,002 | ▼ 6% |
| Cash | € 104,880 | € 56,153 | € 32,993 | € 28,501 | ▼ 14% |
| Retained profit | € -177,644 | € -152,719 | € -125,991 | € -110,920 | ▲ € 15,070 |
| Bank debt | € 233,594 | € 185,768 | € 123,341 | € 96,260 | ▼ 22% |
| Balance sheet total | € 413,987 | € 349,901 | € 287,456 | € 283,068 | ▼ 2% |
Key figures of TERROIRS ET DECOUVERTES, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to TERROIRS ET DECOUVERTES?
What happened at TERROIRS ET DECOUVERTES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: profit of € 15,070 (▼ 44% vs 2025). Source: NBB ↗
- Cédric Vanhove became a director. NBB
- New establishment in Jurbise. KBO
- New establishment in Tournai. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,398 profit in 2023 to € 15,070 profit in 2026.
Paid € 36,260 in corporate taxes since 2023.
Best year ever: 2025, with € 26,728 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind TERROIRS ET DECOUVERTES is Cédric Vanhove.
Directors
According to the 2026 annual accounts
Cédric Vanhove
Director
since 2025
Establishments
Establishment units
Physical locations of this company
Rue de la Lys(TOU) 85 box C
7500 Tournai
Rue de la Lys(TOU) 85 box c
7500 Tournai
Active since 14 May 1998
Route d'Ath(J) 329
7050 Jurbise
Active since 28 August 2014
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
GOOGLE-CLOUD-PLATFORM - Google LLC, US
Website info
Features
Security
Details
- Company number
- 0462.908.051
- VAT number
- BE 0462.908.051
- Registered office
- Rue de la Lys(TOU) 85 bus C, 7500 Tournai
- Names & denominations
- TERROIRS ET DECOUVERTES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 March 1998
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Groothandel in dranken
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