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 17 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
TERRA HOUSING from Lennik, company number BE0521898602, closed financial year 2025 with a result of € 9,963 after tax. For that financial year TERRA HOUSING recorded a gross margin of € 139,683 and equity of € 90,834. Compared with financial year 2024, the result moved from € 86,932 to € 9,963. 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 August 4, 2026.
€ 90,834
▲ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 9,963
▼ 89% vs 2024
Profit after tax over the fiscal year.
€ 352,670
▲ € 348,445 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 62,539.
Debts at end 2025
€ 3 million
▼ 12% vs 2024
€ 38,645 is repaid this year. At this pace the long-term loan is gone in ≈ 21 years.
€ 35,334
▼ 43% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,188
▼ 43% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 86,326 | € 151,439 | € 206,306 | € 139,683 | ▼ 32% |
| Profit after taxes | € 18,935 | € 27,190 | € 86,932 | € 9,963 | ▼ 89% |
| Equity | € -33,252 | € -6,062 | € 80,871 | € 90,834 | ▲ 12% |
| Total debts | € 1,524,229 | € 2,770,097 | € 3,501,307 | € 3,017,535 | ▼ 14% |
| Cash | € 62,617 | € 133,494 | € 4,225 | € 352,670 | ▲ € 348,445 |
| Land & buildings | € 731,334 | € 697,738 | € 664,142 | € 630,545 | ▼ 5% |
| Retained profit | € -61,547 | € -34,357 | € 52,576 | € 62,539 | ▲ 19% |
| Bank debt | € 1,140,690 | € 2,354,138 | € 3,399,701 | € 2,975,218 | ▼ 12% |
| Balance sheet total | € 1,490,977 | € 2,764,035 | € 3,582,178 | € 3,108,369 | ▼ 13% |
Key figures of TERRA HOUSING, 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 TERRA HOUSING?
What happened at TERRA HOUSING in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 9,963 (▼ 89% vs 2024). filed late Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Halle. KBO
In short
From € 18,935 profit in 2022 to € 9,963 profit in 2025.
Best year ever: 2024, with € 86,932 profit.
A new publication or filing at TERRA HOUSING? We notify you, reason included.
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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
The stake of BRUNO MARECHAL, H & M BUILDING COMPANY comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
TERRA HOUSINGBehind TERRA HOUSING are H & M Building Company BV and Bruno Marechal BV. The shares are held by BRUNO MARECHAL (75%) and H & M BUILDING COMPANY (50%).
Directors
According to the 2025 annual accounts
bestuurder · represented by Bruno Maréchal
Also active at: H & M BUILDING COMPANY, Housing 2020
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Joseph Van den Bosschestraat 45
1750 Lennik
Brusselsesteenweg 140
1500 Halle
Active since 5 March 2013
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0521.898.602
- VAT number
- BE 0521.898.602
- Registered office
- Joseph Van den Bosschestraat 45, 1750 Lennik
- Names & denominations
- TERRA HOUSING · MSCab
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 March 2013
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
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