Skip to content

4P&T

Active
Private limited companyfounded 20242 yrs activeNieuwstraat 148, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 1011.119.981
Summary

The computed 12-month bankruptcy probability of 4P&T is 3.3% (moderate). The 2024 annual accounts show equity of €22,553 and a net result of €19,053. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes
Profitability100
Solvency75
Growth-
Track record67
Bankruptcy probability, 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 2.0; short-term debt: 45.2% and cash: 87.2% of total assets), but 50.2% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
49.8%
Return on assets
42.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-04-2026, 113 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
113 d early
2024
38 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 76 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 3 July 2024, 4P&T was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2024, micro schema

Equity
€22,553
Total assets
€45,255
Net result
€19,053
Working capital
€20,360

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €42,291
Fixed assets €1,479
Current assets €40,812
Equity and liabilities €45,255
Equity €22,553
Debt €22,703
Debt finances 50.2% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€29,976
Cash flow
€21,531
Current ratio
2.00
Debt to equity
1.01
ROE
84.5%
ROA
42.1%
Interest coverage
136256.18
Debt ≤ 1 year
€20,453
Income taxes
€8,445

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 3.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 33 lines
Balance sheet Code2024
Assets
Total assets20/58€45,255
Formation expenses20€2,964
Fixed assets21/28€1,479
Tangible fixed assets22/27€1,479
Plant, machinery and equipment23€823
Furniture and vehicles24€655
Current assets29/58€40,812
Cash at bank and in hand54/58€39,463
Deferred charges and accrued income490/1€1,349
Equity and liabilities
Total equity and liabilities10/49€45,255
Equity10/15€22,553
Contributions10/11€3,500
Reserves13€19,053
Distributable reserves133€19,053
Amounts payable17/49€22,703
Amounts payable within one year42/48€20,453
Taxes, remuneration and social security45€20,405
Taxes450/3€20,405
Other amounts payable47/48€47
Accrued charges and deferred income492/3€2,250
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,478
Other operating charges640/8€225
Gross operating margin9900€30,201
Operating profit (loss)9901€27,498
Financial charges65/66B€0
Recurring financial charges65€0
Profit (loss) for the period before taxes9903€27,498
Income taxes67/77€8,445
Profit (loss) for the period9904€19,053
Profit (loss) for the period to be appropriated9905€19,053
Appropriation of the result
Profit (loss) to be appropriated9906€19,053
Transfer to equity691/2€19,053
To other reserves6921€19,053

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,478
Other operating charges640/8€225
Gross operating margin9900€30,201
Operating profit (loss)9901€27,498
Financial charges65/66B€0
Recurring financial charges65€0
Profit (loss) for the period before taxes9903€27,498
Income taxes67/77€8,445
Profit (loss) for the period9904€19,053
Profit (loss) for the period to be appropriated9905€19,053
Line2024
Assets
Total assets20/58€45,255
Formation expenses20€2,964
Fixed assets21/28€1,479
Tangible fixed assets22/27€1,479
Plant, machinery and equipment23€823
Furniture and vehicles24€655
Current assets29/58€40,812
Cash at bank and in hand54/58€39,463
Deferred charges and accrued income490/1€1,349
Equity and liabilities
Total equity and liabilities10/49€45,255
Equity10/15€22,553
Contributions10/11€3,500
Reserves13€19,053
Distributable reserves133€19,053
Amounts payable17/49€22,703
Amounts payable within one year42/48€20,453
Taxes, remuneration and social security45€20,405
Taxes450/3€20,405
Other amounts payable47/48€47
Accrued charges and deferred income492/3€2,250
Line2024
Profit (loss) for the period9904€19,053
+ Depreciation and write-downs630€2,478
Operating cash flow (approximation)€21,531

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
09-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
1,147 m²
Building footprint
153 m²
Volume, LiDAR
654 m³
Parcel 71065A1305/00R000, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
4P&T
Nieuwstraat 148, 3550 Heusden-ZolderReal estate development
since 20242.361.318.609
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71065A1305/00R000 Flanders 1,147 m² 1 · 153 m² 10.9 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded03-07-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1011119981
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.