P & M CONSTRUCT

Active

Private limited company (pre-2019)founded 2002active for 24 yearsWeg naar As 23, 3680 Maaseik, BelgiumKBO/BCE: BE 0478.099.934

Summary

P & M CONSTRUCT has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73,956 and a net result of €35,092. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 34,789 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisFollow Report Compare

P & M CONSTRUCTActiveChecked score 83/100

Risk analysis Report Compare

Activity

Demolition

NACE 43110

1 site

Size

≈ €360,000turnover 2025, estimated

Equity: €73,956
Profit: €35,092

Turnover estimated from the gross margin

Financial health

83 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.4%

Structure

2025 accounts 7 days early1 deed in the Belgian Official Gazette

Why 83raises riskSector: Specialised construction activities (NACE 43)Liquidity: current ratio 0.30, cash €8,614lowers riskFounded in 2002Size: total assets €336,790Show the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 53% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 47+9

equity 22.0% of total assets

Liquidity 44+9

short-term debt 24.5% · cash 2.6%

Profitability 82+8

return on assets 10.4%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,658 companies, NACE 43, micro)

Last 24 months 11-2024: 0.3%lowest value 12-2024: 0.3%● unchanged vs 11-2024lowest value 01-2025: 0.3%● unchanged vs 12-2024lowest value 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.4%▲ +0.1 percentage points vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.1 percentage points vs 06-2025 08-2025: 0.6%▲ +0.1 percentage points vs 07-2025 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026highest value 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 0.4%▼ -0.2 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026

Credit of up to €6,000 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.3, compared with 0.27 in 2024, below 1; short-term debt: 24.5% and cash: 2.6% of total assets), and 78% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 24% on solvency, 34% on liquidity, 63% on profitability and 90% on growth.

The bankruptcy probability was computed on 28-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.

lowers riskraises riskneutral

Sector: Specialised construction activities (NACE 43)

KBO

Founded in 2002

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Size: total assets €336,790

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Liquidity: current ratio 0.30, cash €8,614

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 34789 sector peers (2025).

NBB · sector comparison

Position among 34789 sector peers

Solvency

better than 24%

← weakest strongest →

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €73,956

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

7 days early

2024

15 days early

2023

8 days early

2022

34 days early

2021

24 days late

2020

46 days early

2019

26 days 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 9 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

29-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

24-07-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Highest result from 2018 to 2025net €35,092 ▲194%
16-07-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View
Total assets 20256 financial years filed €336,790 View
Active since 2002founded 31-07-2002 24 years View

By topic

Financials

Financial year: 2025
Total assets: €336,790
Profit: €35,092
Solvency: 22.0%

Total assets▲ 10.9%

Net result

20182025

Go to Financials

Timeline

Events: 26
Since: 2004
Next accounts: by 31-07-2027

23-07-2024Annual accounts filed
27-06-2023Annual accounts filed
31-12-2022Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company (pre-2019)
Activity: DemolitionNACE 43110
Founded: 31-07-2002
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about P & M CONSTRUCT

What is the company number of P & M CONSTRUCT?: 0478.099.934. In Belgium the VAT number is the company number with BE in front: BE 0478.099.934.
Where is P & M CONSTRUCT based?: The registered office is at Weg naar As 23, 3680 Maaseik.Company details
What does P & M CONSTRUCT do?: According to the KBO register, the main activity is demolition (NACE 43110).
What is the legal form of P & M CONSTRUCT?: Private limited company (pre-2019) (BVBA).
When was P & M CONSTRUCT founded?: On 31-07-2002.
Is P & M CONSTRUCT still active?: Yes, P & M CONSTRUCT is an active enterprise in the KBO register.
What is the turnover of P & M CONSTRUCT?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is P & M CONSTRUCT profitable?: In financial year 2025, P & M CONSTRUCT made a profit of €35,092.
Where can I find the annual accounts of P & M CONSTRUCT?: P & M CONSTRUCT filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of P & M CONSTRUCT due?: By 31-07-2027, for financial year 2026.Timeline