Checked.be
Active
BE 0808.865.875Private limited company
P.M.C.
Oudenaardseweg (W.-M.) 24 ·9790 Wortegem-Petegem, Belgium· 17 yrs active
Sector: Agents in non-specialised wholesale trade
(46190)
Conclusion
P.M.C. has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €920k and a net result of €21. Equity is shrinking by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 7728 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €920k |
| Net result | €21 |
| Better than sector | 95% |
| Active | 17 yrs |
Financial profile
64
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
0
Solvency
100
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2009, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
86
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€80k
estimate, not credit advice
Score history
78
2022
86
2023
62
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 150.05 (≥ 1.5)
+10
Quick ratio
Quick ratio 150.05 (≥ 1.0)
+5
Leverage
Debt/equity 0.01 (< 1.0)
+10
Profitability
ROE 0%
+3
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 14-04-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~8.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 99.1% | 44.7% | |
| Net result | €21 | €31k | |
| Equity | €920k | €398k | |
| Gross operating margin | €-24k | €211k | |
| Employees (FTE) | 0.0 | 3.0 |
€21
-
22-25
€928k
+0.1%
22-25
€920k
0.0%
22-25
€882k
0.0%
22-25
0
-
22-25
€287
-96.0%
22-25
€8k
+7.4%
22-25
€6k
+8.0%
22-25
150.05
-7.3%
22-25
150.05
-7.3%
22-25
99.1%
-0.1%
22-25
0.01
+7.4%
22-25
0.0%
-
22-25
0.0%
-
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | - | - | - | - |
| Net profit | €21 | €-217k | €7k | €6k |
| Cash flow | - | - | - | - |
| Staff costs | - | - | - | - |
| Income taxes | €287 | €7k | €2k | €2k |
| Dividends | - | - | - | - |
| Total assets | €928k | €927k | €1.15M | €1.14M |
| Equity | €920k | €920k | €1.14M | €1.13M |
| Debt | €8k | €7k | €11k | €13k |
| of which ≤ 1y | €6k | €5k | €11k | €13k |
| of which > 1y | - | - | - | - |
| Working capital | €882k | €882k | €18k | €12k |
| Employees (FTE) | 0.0 | 0.0 | - | - |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 150.05 | 161.88 | 2.64 | 1.94 |
| Quick ratio | 150.05 | 161.88 | 2.64 | 1.94 |
| Working capital ratio | 95.1% | 95.1% | 1.6% | 1.0% |
| Solvency | 99.1% | 99.2% | 99.0% | 98.9% |
| Debt / equity | 0.01 | 0.01 | 0.01 | 0.01 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | - | - | - | - |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 0.0% | -23.4% | 0.6% | 0.5% |
| ROE | 0.0% | -23.6% | 0.6% | 0.5% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €928k | €927k | €1.15M | €1.14M |
| Fixed assets | 21/28 | €40k | €40k | €1.12M | €1.12M |
| Financial fixed assets | 28 | €40k | €40k | €1.12M | €1.12M |
| Current assets | 29/58 | €888k | €887k | €30k | €24k |
| Amounts receivable within one year | 40/41 | €887k | €814k | €24k | €23k |
| Cash & bank | 54/58 | €1k | €74k | €5k | €1k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €928k | €927k | €1.15M | €1.14M |
| Equity | 10/15 | €920k | €920k | €1.14M | €1.13M |
| Contributions / capital | 10/11 | €852k | €852k | €852k | €852k |
| Reserves | 13 | €67k | €67k | €284k | €278k |
| Amounts payable | 17/49 | €8k | €7k | €11k | €13k |
| Amounts payable within one year | 42/48 | €6k | €5k | €11k | €13k |
| Trade debts payable within one year | 44 | €1k | €3k | €4k | €7k |
| Income statement | |||||
| Gross operating margin | 9900 | €-24k | €36k | €10k | €9k |
| Operating result | 9901 | €-25k | €35k | €9k | €8k |
| Financial income | 75 | €25k | €0 | - | - |
| Financial charges | 65 | €36 | €244k | €24 | €0 |
| Result before taxes | 9903 | €308 | €-210k | €9k | €8k |
| Income taxes | 67/77 | €287 | €7k | €2k | €2k |
| Net result for the period | 9904 | €21 | €-217k | €7k | €6k |
| Result to be appropriated | 9905 | €21 | €-217k | €7k | €6k |
Legal Structure
| NACE primary | Agents in non-specialised wholesale trade(46190) |
| Legal form | Private limited company(610) |
| Incorporation | 07-01-2009 |
| Status | Active |
| Postal code | 9790 |
Establishment units
P.M.C.
since 20092.175.974.274
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45055A0893/00V000 | Flanders | 2,817 m² | 1 · 1,275 m² | 9.2 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
14-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Back to profitnet €21
Net result €21 after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €-217k ▼3405%
Net result drops to €-217k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity times 61current ratio 161.88
Current ratio from 2.64 to 161.88; short-term debt falls from €11k to €5k.
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2022net €7k ▲8.1%
Net result €7k, the highest in the series.
26-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Agents in non-specialised wholesale trade46190Non-specialised wholesale trade46900Activities of head offices; management consultancy activities70210Public relations and communication consultancy73300Other business support services82990
Names & trade names
| Legal nameNL | P.M.C. |
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