Skip to content

P.S.

Active
Private limited company (pre-2019)founded 200718 yrs activeJan Hammeneckerstraat(MAR) 103, 2880 Bornem, BelgiumKBO/BCE: BE 0892.861.442

P.S. has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €-2k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
61 / 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-15
Solvency53=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.57 in 2024; short-term debt: 38.1% and cash: 9% of total assets), and 72.1% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 18 years 0 20 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
27.9%
Return on assets
-3.7%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 d early
2024
13 d early
2023
27 d early
2022
21 d early
2021
25 d early
2020
37 d early
2019
36 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 months
Position in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€16k▼ 11.7%
2024 · €19k
2018: €22k 2019: €21k 2020: €14k 2021: €10k 2022: €12k 2023: €13k 2024: €19k
2018 → 2025
Total assets
€59k▼ 11.1%
2024 · €66k
2018: €81k 2019: €70k 2020: €48k 2021: €39k 2022: €31k 2023: €95k 2024: €66k
2018 → 2025
Net result
€-2k
2024 · €5k
2018: €4k 2019: €-608 2020: €-8k 2021: €-4k 2022: €2k 2023: €2k 2024: €5k
2018 → 2025
Working capital
€1k▼ 87.4%
2024 · €9k
2018: €4k 2019: €7k 2020: €7k 2021: €3k 2022: €12k 2023: €17k 2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€10k-€12k▲ 18.9%€13k▲ 16.4%€19k▲ 38.7%€16k▼ 11.7%
Operating result€-4k-€2k€2k▼ 19.9%€7k▲ 281%€-2k
Net result€-4k-€2k€2k▲ 3.1%€5k▲ 175%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-5k€0€5kOperating result 2021: €-4k€-4kNet result 2021: €-4k€-4kOperating result 2022: €2k€2kNet result 2022: €2k€2kOperating result 2023: €2k€2kNet result 2023: €2k€2kOperating result 2024: €7k€7kNet result 2024: €5k€5kOperating result 2025: €-2k€-2kNet result 2025: €-2k€-2k20212022202320242025
The operating result turns negative in 2025: a loss of €2k after €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets €35k▼ 16.1%
Current assets €24k▼ 2.3%
Equity and liabilities €59k
Equity €16k▼ 11.7%
Debt €42k▼ 10.9%
The debt ratio rises from 71.9% to 72.1%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€9k
2024 · €18k
Cash flow
€9k
2024 · €16k
Solvency
27.9%
2024 · 28.1%
Current ratio
1.05
2024 · 1.57
Quick ratio
0.24
2024 · 0.56
Debt / equity
2.58
2024 · 2.55
ROE
-13.3%
2024 · 27.9%
ROA
-3.7%
2024 · 7.8%
Interest coverage
114.80
2024 · 415.68
Debt
€42k
2024 · €48k
Debt ≤ 1 year
€22k
2024 · €15k
Debt > 1 year
€20k
2024 · €32k
Income taxes
€0
2024 · €2k
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€66k€59k
Fixed assets21/28€42k€35k
Tangible fixed assets22/27€42k€35k
Plant, machinery and equipment23€677€5k
Furniture and vehicles24€41k€31k
Current assets29/58€24k€24k
Stocks and contracts in progress3€16k€18k
Stocks30/36€16k€18k
Amounts receivable within one year40/41€0-
Trade receivables40€0-
Other amounts receivable41€0-
Cash at bank and in hand54/58€9k€5k
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€66k€59k
Equity10/15€19k€16k
Contributions10/11€19k€19k=
Reserves13€335€335=
Non-distributable reserves130/1€335€335=
Reserves not available under the articles1311€335€335=
Profit (loss) carried forward14€-303€-2k
Amounts payable17/49€48k€42k
Amounts payable after more than one year17€32k€20k
Financial debts170/4€32k€20k
Amounts payable within one year42/48€15k€22k
Current portion of amounts payable after more than one year42€12k€12k=
Trade debts44€16€1k
Suppliers440/4€16€1k
Taxes, remuneration and social security45€3k€5k
Taxes450/3€3k€2k
Remuneration and social security454/9-€2k
Other amounts payable47/48€0€4k
Income statement Code20242025
Non-recurring operating income76A€0€744
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k
Other operating charges640/8€8k€6k
Gross operating margin9900€27k€15k
Operating profit (loss)9901€7k€-2k
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€44€82
Recurring financial charges65€44€82
Profit (loss) for the period before taxes9903€7k€-2k
Income taxes67/77€2k€0
Profit (loss) for the period9904€5k€-2k
Profit (loss) for the period to be appropriated9905€5k€-2k
Appropriation of the result
Profit (loss) to be appropriated9906€-303€-2k
Profit (loss) brought forward from the previous period14P€-6k€-303

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
03-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Highest result since 2018net €5k ▲175%
Net result €5k, the highest in the series.
04-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Back to profitnet €2k
Net result €2k after 3 loss-making years.
06-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
25-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-03-2025 Tirath Singh: Resigned as Director
26-07-2022 Singh Palvinder: Resigned as Director
01-02-2020 Tirath Singh: Resigned as Director
01-09-2014 Singh Sunny: Resigned as Manager
30-06-2010 Singh Sunny: Resigned as Manager
Location & real-estate footprint
Registered office, Bornem · 1 establishment unit since 2007
establishment The establishment unit on the map
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.

Jan Hammeneckerstraat(MAR) 1032880 Bornem
Ground area
689 m²
Building footprint
207 m²
Volume, LiDAR
1,054 m³
2 parcels, Flanders · tallest building 12.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JASSI PS MINI SUPERMARKET
Schijnpoortweg 27, 2060 AntwerpenNACE 52112
since 20072.165.944.672
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12024A0223/00C000 Flanders 537 m² 1 · 108 m² 6.2 m · 1 fl.
11805E0384/00C005 Flanders 151 m² 1 · 99 m² 12.2 m · 1 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Antwerpen2.165.944.672
1 permission
Toelating · Detailhandel · since 09-10-2007

Similar companies · same sector, comparable size

Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 3,978 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company (pre-2019)
Founded17-10-2007
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.