P&B SERVICE
ActiveP&B SERVICE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €564k and a net result of €11k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 2162 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-13
Solvency96▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 2.5 in 2024; short-term debt: 25.6% and cash: 14% of total assets), and 29.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.7%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
15 d late
2023
30 d late
2022
29 d late
2021
31 d late
2020
30 d late
2019
29 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€564k▲ 2.0%
2024 · €553k
2018: €416k
2019: €435k
2020: €492k
2021: €575k
2022: €599k
2023: €667k
2024: €553k
2018 → 2025
Total assets
€799k▼ 1.2%
2024 · €809k
2018: €935k
2019: €913k
2020: €862k
2021: €846k
2022: €740k
2023: €840k
2024: €809k
2018 → 2025
Net result
€11k▼ 83.1%
2024 · €66k
2018: €12k
2019: €19k
2020: €57k
2021: €83k
2022: €24k
2023: €68k
2024: €66k
2018 → 2025
Working capital
€355k▲ 12.3%
2024 · €316k
2018: €163k
2019: €101k
2020: €227k
2021: €242k
2022: €309k
2023: €390k
2024: €316k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€575k-€599k▲ 4.2%€667k▲ 11.3%€553k▼ 17.1%€564k▲ 2.0%
Operating result€111k-€34k▼ 68.9%€85k▲ 148%€100k▲ 16.9%€16k▼ 83.5%
Net result€83k-€24k▼ 71.3%€68k▲ 184%€66k▼ 2.8%€11k▼ 83.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €799k
Fixed assets
€239k▼ 15.0%
Current assets
€560k▲ 6.1%
Equity and liabilities €799k
Equity
€564k▲ 2.0%
Debt
€234k▼ 8.2%
The debt ratio falls from 31.6% to 29.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▼
2024 · €157k
Cash flow
€53k▼
2024 · €124k
Solvency
70.7%▲
2024 · 68.4%
Current ratio
2.73▲
2024 · 2.50
Quick ratio
2.28▲
2024 · 2.07
Debt / equity
0.42▼
2024 · 0.46
ROE
2.0%▼
2024 · 11.9%
ROA
1.4%▼
2024 · 8.2%
Interest coverage
5.50▼
2024 · 16.72
Debt
€234k▼
2024 · €255k
Debt ≤ 1 year
€205k▼
2024 · €211k
Debt > 1 year
€24k▼
2024 · €40k
Income taxes
€5k▼
2024 · €24k
Staff costs
€164k▼
2024 · €218k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€809k€799k▼
Fixed assets21/28€281k€239k▼
Tangible fixed assets22/27€281k€239k▼
Land and buildings22€183k€159k▼
Plant, machinery and equipment23€5k€3k▼
Other tangible fixed assets26€93k€77k▼
Current assets29/58€527k€560k▲
Amounts receivable after more than one year29-€200k
Other amounts receivable291-€200k
Stocks and contracts in progress3€90k€93k▲
Stocks30/36€90k€93k▲
Amounts receivable within one year40/41€357k€130k▼
Trade receivables40€341k€122k▼
Other amounts receivable41€16k€8k▼
Cash at bank and in hand54/58€68k€112k▲
Deferred charges and accrued income490/1€12k€25k▲
Equity and liabilities
Total equity and liabilities10/49€809k€799k▼
Equity10/15€553k€564k▲
Contributions10/11€34k€34k=
Reserves13€520k€531k▲
Tax-exempt reserves132€49k€49k=
Distributable reserves133€470k€482k▲
Amounts payable17/49€255k€234k▼
Amounts payable after more than one year17€40k€24k▼
Financial debts170/4€40k€24k▼
Amounts payable within one year42/48€211k€205k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€30k€20k▼
Suppliers440/4€30k€20k▼
Taxes, remuneration and social security45€7k€23k▲
Taxes450/3€7k€23k▲
Other amounts payable47/48€160k€146k▼
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Non-recurring operating income76A-€500
Remuneration, social security and pensions62€218k€164k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€42k▼
Other operating charges640/8€20k€15k▼
Gross operating margin9900€395k€238k▼
Operating profit (loss)9901€100k€16k▼
Financial income75/76B€13€10k▲
Recurring financial income75€13€10k▲
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€90k€16k▼
Income taxes67/77€24k€5k▼
Profit (loss) for the period9904€66k€11k▼
Profit (loss) for the period to be appropriated9905€66k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€11k▼
Transfer to equity691/2€66k€11k▼
To other reserves6921€66k€11k▼
Social balance
Average headcount (FTE)90874.03.8▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €11k ▼83.1%
Net result drops to €11k, the lowest in the series.
15-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 15 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €83k ▲47.4%
Operating result €111k, net result €83k, both a record.
31-12
Financial
Equity above €500kEq €575k ▲16.9%
4 profitable years in a row build equity to €575k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oudsbergen · 1 establishment unit since 1994
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.
Blauwe-Keistraat 33670 OudsbergenGround area
6,069 m²
Building footprint
1,627 m²
Volume, LiDAR
9,177 m³
2 parcels, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P & B SERVICE BVBA
since 19942.068.934.675
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71562B0908/00X006 | Flanders | 4,605 m² | 1 · 1,409 m² | 6.9 m · 2 fl. |
| 72011C0052/00X000 | Flanders | 1,464 m² | 1 · 218 m² | 7.7 m · 1 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
Recognised contractor
11 categoriesP&B SERVICE BV23352
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InArch
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 8,742 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-1994
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.