P&C TOGETHER
ActiveP&C TOGETHER has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7k and a net result of €17k. Equity is shrinking by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 15% of 9520 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+100
Solvency2▼-31
Growth66=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.35 in 2023), and 97% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
3%
Return on assets
7.6%
Age of the figures
20 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9520 sector peers (2024).
NBB · sector comparisonPosition among 9520 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
29 d late
2022
21 d early
2021
31 d early
2020
25 d late
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€95k▲ 15.1%
2018 · €83k
2018: €83k
2018 → 2019
EBIT margin
9.0%▲ 5.7pp
2018 · 3.3%
2018: 3.3%
2018 → 2019
Net result
€17k▲ 1,068%
2023 · €1k
2018: €760
2019: €6k
2020: €-458
2021: €294
2022: €-26k
2023: €1k
2018 → 2024
Working capital
€-129k▲ 16.1%
2023 · €-154k
2018: €3k
2019: €11k
2020: €-3k
2021: €-52k
2022: €-64k
2023: €-154k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€14k-€14k▲ 2.1%€-12k€-10k▲ 12.4%€7k
Operating result€3k-€3k▲ 2.9%€-25k€7k€31k▲ 373%
Net result€-458-€294€-26k€1k€17k▲ 1,068%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 373% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €225k
Fixed assets
€142k▼ 1.9%
Current assets
€84k▲ 1.0%
Equity and liabilities €225k
Equity
€7k
Debt
€219k
Debt finances 97.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€56k▲
2023 · €30k
Cash flow
€42k▲
2023 · €25k
Solvency
3.0%▲
2023 · -4.6%
Current ratio
0.39▲
2023 · 0.35
Quick ratio
0.39▲
2023 · 0.35
Debt / equity
32.19▲
2023 · -22.96
ROE
252.5%▲
2023 · -14.2%
ROA
7.6%▲
2023 · 0.6%
Interest coverage
119.07▼
2023 · 119.81
Debt
€219k▼
2023 · €238k
Debt ≤ 1 year
€213k▼
2023 · €237k
Debt > 1 year
€5k▲
2023 · €786
Income taxes
€13k▲
2023 · €5k
Staff costs
€9k▼
2023 · €9k
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€227k€225k▼
Fixed assets21/28€144k€142k▼
Intangible fixed assets21€1k€782▼
Tangible fixed assets22/27€143k€141k▼
Land and buildings22€102k€98k▼
Furniture and vehicles24€39k€39k▲
Other tangible fixed assets26€3k€4k▲
Current assets29/58€83k€84k▲
Amounts receivable within one year40/41€26k€6k▼
Trade receivables40€26k€5k▼
Other amounts receivable41€476€939▲
Current investments50/53-€47k
Cash at bank and in hand54/58€56k€26k▼
Deferred charges and accrued income490/1€852€5k▲
Equity and liabilities
Total equity and liabilities10/49€227k€225k▼
Equity10/15€-10k€7k▲
Contributions10/11€6k€6k=
Reserves13€60€60=
Distributable reserves133€60€60=
Profit (loss) carried forward14€-17k€532▲
Amounts payable17/49€238k€219k▼
Amounts payable after more than one year17€786€5k▲
Financial debts170/4€786€5k▲
Amounts payable within one year42/48€237k€213k▼
Current portion of amounts payable after more than one year42€3k€4k▲
Trade debts44€3k€12k▲
Suppliers440/4€3k€12k▲
Taxes, remuneration and social security45€8k€26k▲
Taxes450/3€8k€26k▲
Remuneration and social security454/9€208€184▼
Other amounts payable47/48€223k€170k▼
Accrued charges and deferred income492/3-€599
Income statement
Code20232024
Non-recurring operating income76A-€8k
Remuneration, social security and pensions62€9k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€43k€69k▲
Operating profit (loss)9901€7k€31k▲
Financial income75/76B€11€112▲
Recurring financial income75€11€112▲
Financial charges65/66B€253€471▲
Recurring financial charges65€253€471▲
Profit (loss) for the period before taxes9903€6k€30k▲
Income taxes67/77€5k€13k▲
Profit (loss) for the period9904€1k€17k▲
Profit (loss) for the period to be appropriated9905€1k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€532▲
Profit (loss) brought forward from the previous period14P€-18k€-17k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €17k ▲1068%
Operating result €31k, net result €17k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-26k ▼9020%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €294
Net result €294 after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 52 days late
2016
16-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 47 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, Elsene · 3 establishment units since 2022
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.
Borrensstraat 511050 ElseneGround area
1,125 m²
Building footprint
675 m²
Volume, LiDAR
11,384 m³
3 parcels, Brussels, Wallonia · tallest building 23.5 m, ±7 floors. Linked by address, not a title deed.
3 establishment units
Access Business Center
since 20222.335.562.733
Immo People
since 20222.335.562.832
P&C TOGETHER
since 20242.360.507.470
3 parcels
Wallonia
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0040/00A013 | Brussels | 946 m² | 1 · 482 m² | 23.5 m · 7 fl. |
| 25110C0340/00_000 | Wallonia | 108 m² | 1 · 126 m² | 8.5 m · 2 fl. |
| 21443C0196/00G021 | Brussels | 72 m² | 1 · 66 m² | 14.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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KLASSIS
BE 0438.538.879
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DANY NEJMAN
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 2,395 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2014
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
82990Other business support services
96220Beauty care and other beauty treatments
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.