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P&PBI

Active
Public limited company·Activiteiten van holdings· 11 yrs active
Chaussée de Mons 55 ·7180 Seneffe, Belgium
KBO/BCE: BE 0634.753.746
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age11 yrs
Real estate1 parcel · 10.0 ha

Summary

Conclusion

the dossier summarised in one paragraph

The KBO register records legal situation 050 for P&PBI (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2022 annual accounts show equity of €73k and a net result of €71k.

Based on the State Gazette, CBE and 5 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
The year end is derived from 7 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2022, that is 31-07-2023.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 nothing on record not filed -
31-12-2023 31-07-2024 nothing on record not filed -
31-12-2022 31-07-2023 23-11-2023 115 d late 2023-00515192
31-12-2021 31-07-2022 03-04-2023 246 d late 2023-00051775
30-12-2020 30-07-2021 09-11-2021 102 d late 2021-76800157
31-12-2019 31-07-2020 07-01-2021 160 d late 2021-00800093
31-12-2018 31-07-2019 06-11-2019 98 d late 2019-73000507
31-12-2017 31-07-2018 06-11-2019 463 d late 2019-73000508
31-12-2016 31-07-2017 18-07-2018 352 d late 2018-34700476

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

1 signal
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

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.

Financials

Equity€73k+3395.8%
Net result€71k
Total assets€977k+30.1%
Solvency7.5%+7.2pp

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 23-11-2023 with the NBB · fiscal year 2022 · micro
€-200k€0€200k€400k€600kOperating result 2018: €-25k€-25kNet result 2018: €-73k€-73kOperating result 2019: €8k€8kNet result 2019: €-65k€-65kOperating result 2020: €-1k€-1kNet result 2020: €-67k€-67kOperating result 2021: €-57k€-57kNet result 2021: €-61k€-61kRevenue 2022: €611k€611kOperating result 2022: €72k€72kNet result 2022: €71k€71k20182019202020212022
RevenueOperating resultNet result
Sector comparison
Fiscal year 2022 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 7.5% 49.4%
better than 15% of 1812 sector peers
Net result €71k €28k
better than 77% of 1812 sector peers
Equity €73k €56k
better than 58% of 1812 sector peers
Gross operating margin €206k €45k
better than 92% of 1810 sector peers
Staff costs €107k €7k
higher than 92% of 167 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P15
2020: P17 · n=3572021: P9 · n=9282022: P15 · n=18122020 2022
Stable position over 2020-2022 · n=357-1812
Net result P77
2020: P18 · n=3562021: P5 · n=9302022: P77 · n=18122020 2022
Improving position over 2020-2022 · n=356-1812
Equity P58
2020: P39 · n=3572021: P11 · n=9302022: P58 · n=18122020 2022
Improving position over 2020-2022 · n=357-1812
Gross operating margin P92
2020: P83 · n=3542021: P53 · n=9232022: P92 · n=18102020 2022
Stable position over 2020-2022 · n=354-1810
Describes the position versus peers, not a forecast.
Net profit
€71k
- 18-22
Total assets
€977k
+30.1% 18-22
Equity
€73k
+3395.8% 18-22
Employees (FTE)
72954
+7295300.0% 18-22
Staff costs
€107k
+46.0% 18-22
Income taxes
€3k
- 18-22
Debt
€904k
+20.7% 18-22
Debt ≤ 1y
€421k
+31.2% 18-22
Debt > 1y
€482k
+12.9% 18-22
Solvency
7.5%
+2586.5% 18-22
ROE
97.1%
- 18-22
ROA
7.3%
- 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€71k
Cash flown/a
Staff costs€107k
Income taxes-
Dividends-
Total assets€977k
Equity€73k
Debt€904k
of which ≤ 1y€421k
of which > 1y€482k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2022
Current ration/a
Quick ration/a
Working capital ration/a
Solvency7.5%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA7.3%
ROE97.1%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€977k
Fixed assets 21/28€153k
Formation expenses 20€55k
Intangible fixed assets 21€24k
Tangible fixed assets 22/27€67k
Financial fixed assets 28€62k
Current assets 29/58€770k
Stocks & contracts in progress 3€10k
Amounts receivable within one year 40/41€618k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€977k
Equity 10/15€73k
Contributions / capital 10/11€130k
Accumulated profits (losses) 14€-57k
Amounts payable 17/49€904k
Amounts payable after one year 17€482k
Amounts payable within one year 42/48€421k
Trade debts payable within one year 44€244k
Income statement
Turnover 70€611k
Gross operating margin 9900€206k
Operating result 9901€72k
Financial income 75€91
Financial charges 65€1k
Result before taxes 9903€71k
Net result for the period 9904€71k
Result to be appropriated 9905€71k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2022 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
19 companies at this address See who is registered here

Establishment units

1 location
Chaussée de Mons 55, 7180 Seneffe
Overige vervoerondersteunende activiteiten
since 20152.244.763.508
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area10.0 ha
Buildings1
Building footprint5.3 ha
Volume (LiDAR)477,334 m³
Tallest building16.6 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52063F0088/00N000 Wallonia 10.0 ha 1 · 5.3 ha 16.6 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals found in the Belgian State Gazette. The KBO register does record a special legal situation for this company, so do not read this as a clean bill of health.

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 10 months ago
2025
24-09-2025 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous
Summary: other

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability88Solvency34Growth78Stability0
50 / 100

Mixed profile: strong on profitability, weaker on stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 88
Solvency 34
Growth 78
Stability 0

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Comparable size, same sector
We hold annual accounts for 5,518 of the 24,679 companies in this sector. 3,842 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameFR P&PBI
Registered office
Chaussée de Mons 55
7180 Seneffe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.