Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 2 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 62 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
TERRE & PAIN from Brussel, company number BE1007245822, closed financial year 2025 with a result of € -383,091 after tax. For that financial year TERRE & PAIN recorded a gross margin of € 443,628 and equity of € -221,093. Compared with financial year 2024, the result moved from € 10,998 to € -383,091. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ -221,093
▼ € 383,091 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -383,091
▼ still € 10,998 profit in 2024
Profit after tax over the fiscal year.
€ 65,661
▼ 69% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -372,093.
People and assets in 2025
15.9
▲ 7.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 725,890
▲ 80% vs 2024
€ 45,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 79,825
▲ 24% vs 2024
Of which on lease € 77,012.
Debts at end 2025
€ 77,012
▼ 16% vs 2024
€ 13,488 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 209,542
▲ 57% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 173,387
▲ 64% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € 466,098 | € 443,628 | ▼ 5% |
| Profit after taxes | € 10,998 | € -383,091 | ▼ € 394,089 |
| Equity | € 161,998 | € -221,093 | ▼ € 383,091 |
| Total debts | € 577,153 | € 752,317 | ▲ 30% |
| Cash | € 214,234 | € 65,661 | ▼ 69% |
| Retained profit | € 10,998 | € -372,093 | ▼ € 383,091 |
| Bank debt | € 91,303 | € 77,012 | ▼ 16% |
| Balance sheet total | € 739,151 | € 531,225 | ▼ 28% |
| Employees (FTE) | 8.8 | 15.9 | ▲ 7.1 |
Key figures of TERRE & PAIN, fiscal years 2024 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 TERRE & PAIN?
What happened at TERRE & PAIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 383,091 (▼ € 394,089 vs 2024). Source: NBB ↗
- New establishment in Brussel. KBO
- New establishment in Chaumont-Gistoux. KBO
- Joao CARVALHO MARTINS became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 10,998 profit in 2024 to € 383,091 loss in 2025.
Paid € 2,873 in corporate taxes since 2024.
Best year ever: 2024, with € 10,998 profit.
On average € 27,900 of value added per employee in 2025.
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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 TERRE & PAIN is Joao CARVALHO MARTINS.
Directors
According to the 2025 annual accounts
Joao CARVALHO MARTINS
Director
since 2024
Establishments
Establishment units
Physical locations of this company
Spaarbekkenstraat 7
1130 Brussel
Boulevard du Centenaire, Dion-V. 4A
1325 Chaumont-Gistoux
Active since 1 May 2024
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.
Details
- Company number
- 1007.245.822
- VAT number
- BE 1007.245.822
- Registered office
- Spaarbekkenstraat 7, 1130 Brussel
- Names & denominations
- TERRE & PAIN
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 18 March 2024
- Peppol
- Active · Active since 19 Nov 2025
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Vervaardiging van maalderijproducten
Detailhandel in brood en banketbakkerswerk (koude bakkers)