P.M.E.
ActiveThe computed 12-month bankruptcy probability of P.M.E. is 1.6% (moderate). The 2025 annual accounts show equity of €44k and a net result of €6k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 3609 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability65▲+58
Solvency11▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.43 in 2024), and 83.6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
16.4%
Return on assets
2.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
21 d late
2022
32 d early
2021
31 d early
2020
31 d early
2019
1 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€44k▲ 14.9%
2024 · €38k
2018: €14k
2019: €18k
2020: €33k
2021: €34k
2022: €36k
2023: €38k
2024: €38k
2018 → 2025
Total assets
€268k▼ 0.4%
2024 · €269k
2018: €44k
2019: €63k
2020: €49k
2021: €100k
2022: €116k
2023: €161k
2024: €269k
2018 → 2025
Net result
€6k▲ 1,004%
2024 · €518
2018: €8k
2019: €4k
2020: €15k
2021: €454
2022: €2k
2023: €2k
2024: €518
2018 → 2025
Working capital
€-45k▲ 17.2%
2024 · €-55k
2018: €-12k
2019: €-6k
2020: €17k
2021: €7k
2022: €-16k
2023: €-7k
2024: €-55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€36k▲ 5.6%€38k▲ 5.5%€38k▲ 1.4%€44k▲ 14.9%
Operating result€4k-€3k▼ 19.7%€4k▲ 50.0%€10k▲ 113%€12k▲ 27.3%
Net result€454-€2k▲ 317%€2k▲ 4.4%€518▼ 73.8%€6k▲ 1,004%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 27% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €268k
Fixed assets
€226k▼ 0.8%
Current assets
€42k▲ 2.0%
Equity and liabilities €268k
Equity
€44k▲ 14.9%
Debt
€224k▼ 2.9%
The debt ratio falls from 85.8% to 83.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€50k▼
2024 · €65k
Cash flow
€43k▼
2024 · €56k
Solvency
16.4%▲
2024 · 14.2%
Current ratio
0.48▲
2024 · 0.43
Quick ratio
0.39▲
2024 · 0.34
Debt / equity
5.09▼
2024 · 6.03
ROE
13.0%▲
2024 · 1.4%
ROA
2.1%▲
2024 · 0.2%
Interest coverage
7.68▲
2024 · 7.05
Debt
€224k▼
2024 · €231k
Debt ≤ 1 year
€87k▼
2024 · €96k
Debt > 1 year
€137k▲
2024 · €135k
Income taxes
€0▼
2024 · €14
Staff costs
€115k▲
2024 · €107k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€269k€268k▼
Fixed assets21/28€228k€226k▼
Tangible fixed assets22/27€228k€226k▼
Plant, machinery and equipment23€228k€226k▼
Current assets29/58€41k€42k▲
Stocks and contracts in progress3€8k€7k▼
Stocks30/36€8k€7k▼
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€11k€14k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€20k€17k▼
Equity and liabilities
Total equity and liabilities10/49€269k€268k▼
Equity10/15€38k€44k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€32k€38k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€30k€36k▲
Amounts payable17/49€231k€224k▼
Amounts payable after more than one year17€135k€137k▲
Financial debts170/4€135k€137k▲
Amounts payable within one year42/48€96k€87k▼
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€36k€15k▼
Suppliers440/4€36k€15k▼
Taxes, remuneration and social security45€15k€19k▲
Taxes450/3€3k€11k▲
Remuneration and social security454/9€12k€8k▼
Other amounts payable47/48€23k€31k▲
Income statement
Code20242025
Non-recurring operating income76A€10k-
Remuneration, social security and pensions62€107k€115k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€38k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€175k€167k▼
Operating profit (loss)9901€10k€12k▲
Financial income75/76B€221€39▼
Recurring financial income75€221€39▼
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€532€6k▲
Income taxes67/77€14€0▼
Profit (loss) for the period9904€518€6k▲
Profit (loss) for the period to be appropriated9905€518€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€518€6k▲
Transfer to equity691/2€518€6k▲
To other reserves6921€518€6k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €454 ▼97%
Net result drops to €454, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €15k ▲265%
Operating result €18k, net result €15k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.23
Current ratio from 0.86 to 2.23; short-term debt falls from €39k to €14k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Heers · 1 establishment unit since 2016
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.
Darisstraat(M.B.) 63870 HeersGround area
215 m²
Building footprint
569 m²
Volume, LiDAR
3,195 m³
Parcel 73049B0269/00G000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P.M.E.
since 20162.251.571.621
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73049B0269/00G000 | Flanders | 215 m² | 1 · 569 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 815 EUR awarded · 815 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 815 EUR | 815 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHeers2.251.571.621
Similar companies · same sector, comparable size
BVBA VOLT
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BED & SAM
BE 0840.276.554
Genk · Eq €44k
HEMAR
BE 0451.616.063
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BEIJING
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,659 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.