P&S
ActiveSummary
P&S is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€303,149) and a net result of -€32,859. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 5565 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
21 d late
2023
336 d late
2022
84 d late
2021
31 d late
2020
87 d late
2019
31 d 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 84 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€303,149▼ 12.2%
2024 · -€270,290
Net result
-€32,859▼ 47.1%
2024 · -€22,342
Total assets
€64,073▼ 84.6%
2024 · €416,340
Solvency
-473.1%▼ 408.2pp
2024 · -64.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€45,283▼ 49.7%-€48,103▼ 6.2%€14,682-€18,934€3,437
Net result€10,374within the sector's middle half-€36,507below the sector's middle half€21,167within the sector's middle half-€22,342below the sector's middle half-€32,859below the sector's middle half▼ 47.1%
Equity€73,421below the sector's middle half▲ 16.5%€36,914below the sector's middle half▼ 49.7%€58,081below the sector's middle half▲ 57.3%-€270,290below the sector's middle half-€303,149below the sector's middle half▼ 12.2%
Total assets€483,225below the sector's middle half▼ 9.6%€444,970below the sector's middle half▼ 7.9%€596,753below the sector's middle half▲ 34.1%€416,340below the sector's middle half▼ 30.2%€64,073below the sector's middle half▼ 84.6%
Debt€409,804▼ 13.1%€408,056▼ 0.4%€538,671▲ 32.0%€686,629▲ 27.5%€367,222▼ 46.5%
Working capital€35,200▲ 77.3%-€744€3,191-€324,083-€355,847▼ 9.8%
Solvency15.2%below the sector's middle half▲ 3.4pp8.3%below the sector's middle half▼ 6.9pp9.7%below the sector's middle half▲ 1.4pp-64.9%below the sector's middle half▼ 74.7pp-473.1%below the sector's middle half▼ 408.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3,437 after a loss of €18,934 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64,073
Fixed assets
€62,770 ▼ 15.0%
Current assets
€1,303 ▼ 99.6%
Key figures and ratios
ROA
-51.3%▼
2024 · -5.4%
Debt ≤ 1 year
€357,150▼
2024 · €666,598
Debt > 1 year
€10,072▼
2024 · €20,032
Income taxes
€335▲
2024 · €189
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,515 | €563 | €4,607 | €11,057 | €11,054 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €89,799 | €139,799 | ▲ 55.7% |
| Other operating charges640/8 | €2,134 | €753 | €1,527 | €1,512 | €853 | ▼ 43.6% |
| Gross operating margin9900 | -€35,635 | -€46,787 | €20,816 | €83,434 | €155,143 | ▲ 85.9% |
| Operating profit (loss)9901 | -€45,283 | -€48,103 | €14,682 | -€18,934 | €3,437 | ▲ 118% |
| Financial income75/76B | €56,731 | €12,356 | €7,217 | - | - | - |
| Recurring financial income75 | €11,125 | €12,356 | €7,217 | - | - | - |
| Non-recurring financial income76B | €45,606 | - | - | - | - | - |
| Financial charges65/66B | €124 | €435 | €1,309 | €3,219 | €35,961 | ▲ 1,017% |
| Recurring financial charges65 | €124 | €435 | €1,309 | €3,219 | €35,961 | ▲ 1,017% |
| Profit (loss) for the period before taxes9903 | €11,323 | -€36,181 | €20,590 | -€22,152 | -€32,524 | ▼ 46.8% |
| Income taxes67/77 | €949 | €326 | -€578 | €189 | €335 | ▲ 77.1% |
| Profit (loss) for the period9904 | €10,374 | -€36,507 | €21,167 | -€22,342 | -€32,859 | ▼ 47.1% |
| Profit (loss) for the period to be appropriated9905 | €10,374 | -€36,507 | €21,167 | -€22,342 | -€32,859 | ▼ 47.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €483,225 | €444,970 | €596,753 | €416,340 | €64,073 | ▼ 84.6% |
| Fixed assets21/28 | €38,221 | €37,658 | €84,881 | €73,825 | €62,770 | ▼ 15.0% |
| Tangible fixed assets22/27 | €2,221 | €1,658 | €48,881 | €37,825 | €26,770 | ▼ 29.2% |
| Plant, machinery and equipment23 | - | - | €1,394 | €836 | €278 | ▼ 66.7% |
| Furniture and vehicles24 | €2,221 | €1,658 | €47,488 | €36,989 | €26,492 | ▼ 28.4% |
| Financial fixed assets28 | €36,000 | €36,000 | €36,000 | €36,000 | €36,000 | = |
| Current assets29/58 | €445,004 | €407,312 | €511,871 | €342,515 | €1,303 | ▼ 99.6% |
| Amounts receivable within one year40/41 | €441,746 | €401,666 | €506,843 | €342,515 | €1,303 | ▼ 99.6% |
| Trade receivables40 | - | €20,000 | €137,648 | €323,799 | €1,000 | ▼ 99.7% |
| Other amounts receivable41 | €441,746 | €381,666 | €369,195 | €18,716 | €303 | ▼ 98.4% |
| Current investments50/53 | €3,258 | - | - | - | - | - |
| Cash at bank and in hand54/58 | - | €5,646 | €5,028 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €483,225 | €444,970 | €596,753 | €416,340 | €64,073 | ▼ 84.6% |
| Equity10/15 | €73,421 | €36,914 | €58,081 | -€270,290 | -€303,149 | ▼ 12.2% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €67,221 | €30,714 | €51,881 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €65,361 | €28,854 | €50,021 | - | - | - |
| Profit (loss) carried forward14 | - | - | - | -€278,350 | -€311,209 | ▼ 11.8% |
| Amounts payable17/49 | €409,804 | €408,056 | €538,671 | €686,629 | €367,222 | ▼ 46.5% |
| Amounts payable after more than one year17 | - | - | €29,992 | €20,032 | €10,072 | ▼ 49.7% |
| Financial debts170/4 | - | - | €29,992 | €20,032 | €10,072 | ▼ 49.7% |
| Amounts payable within one year42/48 | €409,804 | €408,056 | €508,680 | €666,598 | €357,150 | ▼ 46.4% |
| Current portion of amounts payable after more than one year42 | - | - | €9,801 | €9,891 | €10,181 | ▲ 2.9% |
| Financial debts43 | - | - | - | €151 | €31 | ▼ 79.5% |
| Credit institutions430/8 | - | - | - | €151 | €31 | ▼ 79.5% |
| Trade debts44 | €2,574 | €5,645 | €4,868 | €113,909 | €131,371 | ▲ 15.3% |
| Suppliers440/4 | €2,574 | €5,645 | €4,868 | €113,909 | €131,371 | ▲ 15.3% |
| Taxes, remuneration and social security45 | €7,852 | €8,178 | €7,841 | €3,189 | €200 | ▼ 93.7% |
| Taxes450/3 | €7,852 | €8,178 | €6,841 | €189 | €200 | ▲ 5.7% |
| Remuneration and social security454/9 | - | - | €1,000 | €3,000 | - | - |
| Other amounts payable47/48 | €399,378 | €394,233 | €486,170 | €539,457 | €215,367 | ▼ 60.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,374 | -€36,507 | €21,167 | -€22,342 | -€32,859 | ▼ 47.1% |
| + Depreciation and write-downs630 | €7,515 | €563 | €4,607 | €11,057 | €11,054 | = |
| Operating cash flow (approximation) | €17,889 | -€35,944 | €25,774 | -€11,285 | -€21,805 | ▼ 93.2% |
| Investment in fixed assets (approximation) | - | €0 | -€51,831 | €0 | €0 | - |
| Change in cash | - | - | -€618 | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 336 days late
2023
31-12
Financial
Back to profitnet €21,167
Net result €21,167 after one loss-making year.
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 84 days late
2022
31-12
Financial
Weakest financial yearnet -€36,507
Net result drops to -€36,507, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €10,374
Net result €10,374 after 2 loss-making years.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 87 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
17-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 78 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
15-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 199 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brasschaat · 1 establishment unit since 2012
Ground area
1,062 m²
Building footprint
149 m²
Volume, LiDAR
903 m³
Parcel 11323F0094/00S003, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P&S
since 20122.211.501.812
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0094/00S003 | Flanders | 1,062 m² | 1 · 149 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
100%
According to the 2025 annual accounts of P&S and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 10,889 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded06-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846407944
Also
9925:BE0846407944
Registered
14-04-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.