P.M. CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of P.M. CONSTRUCT is 2.3% (moderate). The 2025 annual accounts show equity of €28k and a net result of €11k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 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
Profitability88▲+31
Solvency63▼-37
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 4.89 in 2024; short-term debt: 30.7% and cash: 9.4% of total assets), and 62% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
38%
Return on assets
15.7%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
5 d late
2023
7 d early
2022
3 d early
2021
37 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 70.6%
2024 · €16k
2021: €16k
2022: €19k
2023: €18k
2024: €16k
2021 → 2025
Total assets
€73k▲ 270%
2024 · €20k
2021: €29k
2022: €26k
2023: €19k
2024: €20k
2021 → 2025
Net result
€11k
2024 · €-2k
2021: €16k
2022: €3k
2023: €-804
2024: €-2k
2021 → 2025
Working capital
€3k▼ 78.4%
2024 · €13k
2021: €-326
2022: €144
2023: €9k
2024: €13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€19k▲ 15.4%€18k▼ 4.2%€16k▼ 10.5%€28k▲ 70.6%
Operating result€21k-€4k▼ 80.9%€-479€-2k▼ 361%€16k
Net result€16k-€3k▼ 84.6%€-804€-2k▼ 136%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€48k ▲ 1,560%
Current assets
€25k ▲ 50.2%
Equity and liabilities €73k
Equity
€28k ▲ 70.6%
Debt
€45k ▲ 1,214%
Debt's share of the balance-sheet total rises from 17.5% to 62.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €4k
Cash flow
€17k▲
2024 · €4k
Current ratio
1.13▼
2024 · 4.89
Debt to equity
1.63▲
2024 · 0.21
ROE
41.4%▲
2024 · -11.7%
ROA
15.7%▲
2024 · -9.7%
Interest coverage
20.86▼
2024 · 23.53
Debt ≤ 1 year
€22k▲
2024 · €3k
Debt > 1 year
€23k
Income taxes
€4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€73k▲
Fixed assets21/28€3k€48k▲
Tangible fixed assets22/27€3k€48k▲
Furniture and vehicles24€3k€48k▲
Current assets29/58€17k€25k▲
Amounts receivable within one year40/41€14k€18k▲
Trade receivables40€1k€1k▼
Other amounts receivable41€13k€17k▲
Cash at bank and in hand54/58€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€20k€73k▲
Equity10/15€16k€28k▲
Contributions10/11€5k€5k=
Reserves13€13k€23k▲
Distributable reserves133€13k€23k▲
Profit (loss) carried forward14€-1k-
Amounts payable17/49€3k€45k▲
Amounts payable after more than one year17-€23k
Financial debts170/4-€23k
Amounts payable within one year42/48€3k€22k▲
Current portion of amounts payable after more than one year42€3k€21k▲
Trade debts44-€118
Suppliers440/4-€118
Taxes, remuneration and social security45€439€1k▲
Taxes450/3€439€1k▲
Accrued charges and deferred income492/3-€104
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€4k€23k▲
Operating profit (loss)9901€-2k€16k▲
Financial income75/76B€479€617▲
Recurring financial income75€479€617▲
Financial charges65/66B€174€1k▲
Recurring financial charges65€174€1k▲
Profit (loss) for the period before taxes9903€-2k€16k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-2k€11k▲
Profit (loss) for the period to be appropriated9905€-2k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€10k▲
Profit (loss) brought forward from the previous period14P€630€-1k▼
Transfer to equity691/2-€10k
To other reserves6921-€10k
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 10current ratio 9.92
Current ratio from 1.02 to 9.92; short-term debt falls from €7k to €1k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Braine-l'Alleud · 1 establishment unit since 2020
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.
Rue d'Alconval 91420 Braine-l'AlleudGround area
431 m²
Building footprint
52 m²
Volume, LiDAR
360 m³
Parcel 25743G0237/00L000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P.M. CONSTRUCT SRL
since 20202.312.526.025
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25743G0237/00L000 | Wallonia | 431 m² | 1 · 52 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
PATRICE MEULENBERG DECORATION
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STANKIEWICZ & ZOON
BE 0870.748.313
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DecorPro
BE 0767.876.942
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ENTREPRISE GOFFARD
BE 0755.642.371
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Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 2,195 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43230Insulation installation
43331Floor and wall tiling
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:polmichalewicz@gmail.com