What is the address of TERNO?

The registered office of TERNO is located at Prinsenweg 23, 3700 Tongeren-Borgloon.

Is TERNO still active?

Yes. According to the CBE (31 October 2026) TERNO is active, legal situation “Normale toestand”, started on 1 July 2005.

Is TERNO registered on Peppol?

Yes, TERNO is registered on the Peppol network with ID 0208:0874808356.

What is the enterprise number of TERNO?

The enterprise number of TERNO is BE0874808356.

When was TERNO founded?

TERNO was founded on 1 July 2005.

Who are the directors of TERNO?

According to the 2026 annual accounts, the directors of TERNO are: Olivier Fahy, FEMTE BV.

Is TERNO a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 July 2005; 5 annual accounts filed, latest fiscal year 2026; 2 directors known from the annual account.

How much profit did TERNO make in 2026?

TERNO recorded a loss after taxes of € 1,228 in financial year 2026.

What is the revenue of TERNO?

As a small company, TERNO is not required to publish revenue in its annual accounts. In financial year 2026, its added value was € 50,253.

TERNO (Private Limited) - Tongeren-Borgloon

Dossier TERNO, printed on 1 November 2026 from databakkes.be/en/0874808356/terno. 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.

Tight liquidity NBB

Cash and receivables cover 31 % of short-term debt in 2026; threshold 65 %.

Financials

Financial year 2026

TERNO from Tongeren-Borgloon, company number BE0874808356, closed financial year 2026 with a result of € -1,228 after tax. For that financial year TERNO recorded a gross margin of € 50,253 and equity of € 189,037. Compared with financial year 2025, the result moved from € 30,592 to € -1,228. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 20, 2026.

What it is worth Healthy

€ 189,037

▼ 1% vs 2025

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

Loss Caution

€ -1,228

▼ still € 30,592 profit in 2025

Profit after tax over the fiscal year.

Cash in the bank

€ 110,437

▲ 106% vs 2025

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 € 170,437.

Debts at end 2026

Bank debt ≈ 7 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.

€ 255,000

€ 39,107 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.

Owed to suppliers

€ 322,354

▲ 108% vs 2025

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

Taxes

€ 161

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2023	2024	2025	2026	Change 2025 → 2026
Gross margin	€ 125,224 Gross margin 2023: € 125,224 First fiscal year in the series	€ 59,401 Gross margin 2024: € 59,401 ▼ 53% vs 2023 (€ 125,224) Unfavourable step	€ 56,541 Gross margin 2025: € 56,541 ▼ 5% vs 2024 (€ 59,401) Unfavourable step	€ 50,253 Gross margin 2026: € 50,253 ▼ 11% vs 2025 (€ 56,541) Unfavourable step	▼ 11%
Profit after taxes	€ 79,133 Profit after taxes 2023: € 79,133 First fiscal year in the series	€ 34,704 Profit after taxes 2024: € 34,704 ▼ 56% vs 2023 (€ 79,133) Unfavourable step	€ 30,592 Profit after taxes 2025: € 30,592 ▼ 12% vs 2024 (€ 34,704) Unfavourable step	€ -1,228 Profit after taxes 2026: € -1,228 ▼ € 31,820 vs 2025 (€ 30,592) Unfavourable step	▼ € 31,820
Equity	€ 124,969 Equity 2023: € 124,969 First fiscal year in the series	€ 159,673 Equity 2024: € 159,673 ▲ 28% vs 2023 (€ 124,969) Favourable step	€ 190,265 Equity 2025: € 190,265 ▲ 19% vs 2024 (€ 159,673) Favourable step	€ 189,037 Equity 2026: € 189,037 ▼ 1% vs 2025 (€ 190,265) Unfavourable step	▼ 1%
Total debts	€ 7,099 Total debts 2023: € 7,099 First fiscal year in the series	€ 1,747 Total debts 2024: € 1,747 ▼ 75% vs 2023 (€ 7,099) Favourable step	€ 155,740 Total debts 2025: € 155,740 ▲ € 153,993 vs 2024 (€ 1,747) Unfavourable step	€ 577,534 Total debts 2026: € 577,534 ▲ 271% vs 2025 (€ 155,740) Unfavourable step	▲ 271%
Cash	€ 90,319 Cash 2023: € 90,319 First fiscal year in the series	€ 117,739 Cash 2024: € 117,739 ▲ 30% vs 2023 (€ 90,319) Favourable step	€ 53,566 Cash 2025: € 53,566 ▼ 55% vs 2024 (€ 117,739) Unfavourable step	€ 110,437 Cash 2026: € 110,437 ▲ 106% vs 2025 (€ 53,566) Favourable step	▲ 106%
Land & buildings	€ 39,578 Land & buildings 2023: € 39,578 First fiscal year in the series	€ 36,579 Land & buildings 2024: € 36,579 ▼ 8% vs 2023 (€ 39,578) Unchanged	€ 287,478 Land & buildings 2025: € 287,478 ▲ € 250,899 vs 2024 (€ 36,579) Unchanged	€ 653,716 Land & buildings 2026: € 653,716 ▲ 127% vs 2025 (€ 287,478) Unchanged	▲ 127%
Retained profit	€ 106,369 Retained profit 2023: € 106,369 First fiscal year in the series	€ 141,073 Retained profit 2024: € 141,073 ▲ 33% vs 2023 (€ 106,369) Favourable step	€ 171,665 Retained profit 2025: € 171,665 ▲ 22% vs 2024 (€ 141,073) Favourable step	€ 170,437 Retained profit 2026: € 170,437 ▼ 1% vs 2025 (€ 171,665) Unfavourable step	▼ 1%
Bank debt	€ 0 Bank debt 2023: € 0 First fiscal year in the series	€ 0 Bank debt 2024: € 0 Unchanged (€ 0) Unchanged	€ 0 Bank debt 2025: € 0 Unchanged (€ 0) Unchanged	€ 255,000 Bank debt 2026: € 255,000 Unchanged (€ 0) Unfavourable step
Balance sheet total	€ 132,067 Balance sheet total 2023: € 132,067 First fiscal year in the series	€ 161,420 Balance sheet total 2024: € 161,420 ▲ 22% vs 2023 (€ 132,067) Unchanged	€ 346,005 Balance sheet total 2025: € 346,005 ▲ 114% vs 2024 (€ 161,420) Unchanged	€ 766,571 Balance sheet total 2026: € 766,571 ▲ 122% vs 2025 (€ 346,005) Unchanged	▲ 122%

Key figures of TERNO, 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 TERNO?

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

Oct 20, 2026 New annual accounts for financial year 2026: loss of € 1,228 (▼ € 31,820 vs 2025). Source: NBB ↗
2024 FEMTE BV became a director. NBB
2022 Olivier Fahy became a director. NBB
Nov 23, 2005 New establishment in Tongeren-Borgloon. KBO
Jul 1, 2005 Start of the company according to the CBE. KBO

In short

From € 79,133 profit in 2023 to € 1,228 loss in 2026.

Paid € 65,137 in corporate taxes since 2023.

Best year ever: 2023, with € 79,133 profit.

Original PDFs at the National Bank ↗

Management

T & G 100%

The stake of T & G comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

TERNO

Behind TERNO are Olivier Fahy and FEMTE BV. The shares are held by T & G (100%).

Directors

According to the 2026 annual accounts

Olivier Fahy

Director

Also active at: Koversy

since 2022

FEMTE BV

Director · represented by Daniël Gorissen

Also active at: T & G, Koversy

since 2024

Shareholders

T & G

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Prinsenweg 23

3700 Tongeren-Borgloon

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.

All companies at this address →

T & G same network

€ 1.5 million gross margin · 2025

Koversy same network

€ -68,777 gross margin · 2025

AXIOMA EUROPE

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

Details

Company number: 0874.808.356
VAT number: BE 0874.808.356
Registered office: Prinsenweg 23, 3700 Tongeren-Borgloon
Names & denominations: TERNO
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 1 July 2005
Peppol: Active · Active since 21 Oct 2026

View on CBE Public ↗ Annual accounts (NBB) ↗