Financials
- Fiscal year
- 2025
- Total assets
- €481,029
- Profit
- €119,443
- Solvency
- 49.8%
Total assets▼ 11.6%
Net result
20182025
P & F ENGINEERING
ActiveSummary
P & F ENGINEERING has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €239,430 and a net result of €119,443. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 44% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€481,029total assets 2025
- Equity
- €239,430
- Profit
- €119,443
Turnover not published (abridged schema)
Structure
Accounts 132 d early0 of 3 deeds read
Why 94+ Liquidity: current ratio 1.77, cash €134,211+ Size: total assets €481,029+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €239,430 (49.8% of total assets)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Better than 55% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
75+7
equity 49.8% of total assets
Liquidity
68+24
short-term debt 37.5% · cash 27.9%
Profitability
100+18
return on assets 24.8%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 6 months
05-2026: < 0.1%highest value
06-2026: < 0.1%● 0.0% vs 05-2026highest value
07-2026: < 0.1%● 0.0% vs 06-2026highest value
08-2026: < 0.1%● 0.0% vs 07-2026highest value
09-2026: < 0.1%● 0.0% vs 08-2026highest value
10-2026: < 0.1%● 0.0% vs 09-2026highest value
- Liquidity: current ratio 1.77, cash €134,211 lowers the probability
- Size: total assets €481,029 lowers the probability for this profile
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Equity €239,430 (49.8% of total assets) lowers the probability
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.53 in 2024; short-term debt: 37.5% and cash: 27.9% of total assets), but 50.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 45%, liquidity 60%, profitability 70%, growth against the median 46%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 21-03-2026, 132 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
132 d early
2024
22 d early
2023
30 d late
2022
30 d late
2021
7 d late
2020
61 d late
2019
83 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed 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. Usually files around 7 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2018net €119,443 ▲102%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 21-03-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 09-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 24-02-2012
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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