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P & M INTERIEUR

Active
Private limited companyfounded 2003active for 23 yearsCesar Meeusstraat 28, 9240 Zele, BelgiumKBO/BCE: BE 0479.721.418
Summary

P & M INTERIEUR has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66,774 and a net result of -€27,667. Equity is growing by about 4.7% per year across the filed financial years. Its solvency ranks better than 37% of 34,483 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Overview

Activity
Painting of buildings
NACE 43341
1 site
Size
€192,149total assets 2025
Staff
5.1 FTE
Equity
€66,774
Loss
-€27,667
Turnover not published (micro format)
Financial health
79 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
Accounts filed 3 days late0 of 3 deeds read
Why 79raises riskLoss of €27,667 (financial year 2025)Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 1.30, cash €47,545Founded in 2003Show the evidence

Checked score

Score 2025
79 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 27% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Weak
Solvency 60-2
equity 34.8% of total assets
Liquidity 53-13
short-term debt 54.5% · cash 24.7%
Profitability 1-70
return on assets -14.4%
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,585 companies, NACE 43, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.6%▲ +0.1 percentage points vs 12-2024highest value 02-2025: 0.3%▼ -0.3 percentage points 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: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.5%▲ +0.1 percentage points vs 10-2025 12-2025: 0.4%▼ -0.1 percentage points vs 11-2025 01-2026: 0.2%▼ -0.2 percentage points vs 12-2025lowest value 02-2026: 0.3%▲ +0.1 percentage points vs 01-2026 03-2026: 0.5%▲ +0.2 percentage points vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.5%● unchanged vs 09-2026
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.3, compared with 1.44 in 2024, below the usual 1.5; short-term debt: 54.5% and cash: 24.7% of total assets), and 65.2% 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 37% on solvency, 48% on liquidity, 9% on profitability and 14% on growth.

The bankruptcy probability was computed on 20-10-2026 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

Five signals.
lowers riskraises riskneutral
raises risk · Loss of €27,667 (financial year 2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.30, cash €47,545
NBB · annual accounts
lowers risk · Founded in 2003
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
3 days late
2024
on the day
2023
on the day
2022
on the day
2021
22 days late
2020
2 days late
2019
on the day
← 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 4 days after 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)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end21-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet -€27,667
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Caution: Among the weakest 5% on net resultsector median €10,252 · 34,470 companies -€27,667 View
  • Total assets 20256 financial years filed €192,149 View
  • Active since 2003founded 19-02-2003 23 years View

By topic

Financials

Financial year
2025
Total assets
€192,149
Loss
-€27,667
Solvency
34.8%
Total assets▼ 25.6%
Net result
20192025
Go to Financials

Timeline

Events
25
Since
2005
Next accounts
by 31-01-2027
  1. 31-01-2024Annual accounts filed
  2. 30-06-2023Highest result from 2019 to 2025
  3. 31-01-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Painting of buildingsNACE 43341
Founded
19-02-2003
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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