P&B
ActiveP&B has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €35k and a net result of €-15k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-39
Solvency60▼-25
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 2.38 in 2023; short-term debt: 65.4% and cash: 14.9% of total assets), and 65.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
34.6%
Return on assets
-14.8%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
12 d late
2023
30 d late
2022
17 d early
2021
89 d early
2020
53 d early
2019
108 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€35k▼ 29.9%
2023 · €50k
2018: €32k
2019: €33k
2020: €44k
2021: €50k
2022: €50k
2023: €50k
2018 → 2024
Total assets
€102k▲ 21.4%
2023 · €84k
2018: €42k
2019: €47k
2020: €54k
2021: €54k
2022: €54k
2023: €84k
2018 → 2024
Net result
€-15k
2023 · €491
2018: €15k
2019: €735
2020: €11k
2021: €5k
2022: €104
2023: €491
2018 → 2024
Working capital
€21k▼ 55.4%
2023 · €46k
2018: €28k
2019: €27k
2020: €37k
2021: €45k
2022: €44k
2023: €46k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€44k-€50k▲ 12.4%€50k▲ 0.2%€50k▲ 1.0%€35k▼ 29.9%
Operating result€12k-€6k▼ 52.3%€260▼ 95.3%€631▲ 142%€-15k
Net result€11k-€5k▼ 51.7%€104▼ 98.1%€491▲ 370%€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €15k after €631 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €102k
Fixed assets
€15k▲ 273%
Current assets
€87k▲ 9.1%
Equity and liabilities €102k
Equity
€35k▼ 29.9%
Debt
€66k▲ 97.9%
The debt ratio rises from 40.1% to 65.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k
Cash flow
€-12k
Solvency
34.6%▼
2023 · 59.9%
Current ratio
1.31▼
2023 · 2.38
Quick ratio
0.72▼
2023 · 1.42
Debt / equity
1.89▲
2023 · 0.67
ROE
-42.7%▼
2023 · 1.0%
ROA
-14.8%▼
2023 · 0.6%
Interest coverage
-40.65
Debt
€66k▲
2023 · €34k
Debt ≤ 1 year
€66k▲
2023 · €34k
Income taxes
€140
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€84k€102k▲
Fixed assets21/28€4k€15k▲
Tangible fixed assets22/27-€13k
Furniture and vehicles24-€13k
Financial fixed assets28€4k€1k▼
Current assets29/58€80k€87k▲
Stocks and contracts in progress3€32k€39k▲
Stocks30/36€32k€39k▲
Amounts receivable within one year40/41€31k€33k▲
Trade receivables40€27k€32k▲
Other amounts receivable41€4k€339▼
Cash at bank and in hand54/58€17k€15k▼
Deferred charges and accrued income490/1€273€58▼
Equity and liabilities
Total equity and liabilities10/49€84k€102k▲
Equity10/15€50k€35k▼
Contributions10/11€19k€19k=
Reserves13€32k€17k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€15k▼
Amounts payable17/49€34k€66k▲
Amounts payable within one year42/48€34k€66k▲
Trade debts44€32k€16k▼
Suppliers440/4€32k€16k▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€576▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€48k
Income statement
Code20232024
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€2k€2k▲
Gross operating margin9900€3k€-9k▼
Operating profit (loss)9901€631€-15k▼
Financial income75/76B€85€0▼
Recurring financial income75€85€0▼
Financial charges65/66B€226€278▲
Recurring financial charges65€226€278▲
Profit (loss) for the period before taxes9903€491€-15k▼
Income taxes67/77-€140
Profit (loss) for the period9904€491€-15k▼
Profit (loss) for the period to be appropriated9905€491€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€491€-15k▼
Transfer from equity791/2-€15k
Transfer to equity691/2€491€0▼
To other reserves6921€491€0▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Weakest financial yearnet €-15k ▼3157%
Net result drops to €-15k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Temse · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vrijheidstraat 15C9140 TemseGround area
1,716 m²
Building footprint
1,205 m²
Volume, LiDAR
811 m³
2 parcels, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P&B
since 20102.191.960.270
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D1410/00M000 | Flanders | 1,423 m² | 1 · 1,068 m² | - |
| 46302D1490/00V002 | Flanders | 293 m² | 1 · 137 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTemse2.191.960.270
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CR & SINOVI
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SN INVEST
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Grimbergen · Eq €35k
Of 2,477 companies in sector 47279 we hold annual accounts for 950. 766 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2010
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.