Active BE 0768.633.146Private limited company

P4HOLDING

Rue de la Boverie 379 ·4100 Seraing, Belgium· 5 yrs active

Sector: Financial services (64210)

Conclusion Checked

P4HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €155k and a net result of €-11k. Equity is growing by ~40.3% per year across the filed fiscal years. Its solvency ranks better than 29% of 203 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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

Key figures

Equity	€155k
Net result	€-11k
Better than sector	29%
Active	5 yrs

Snowflake analysis 5 axes · computed by Checked

38 / 100

Fragile profile, watch health in particular.

Health 0

Profitability 0

Solvency 45

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer

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.

Financial overview5 NBB filings

Annual accounts filed on 10-06-2026 with the NBB · fiscal year 2025 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~40.3%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	32.1%	53.2%	better than 29% of 203 sector peers
Net result	€-11k	€71k	better than 24% of 203 sector peers
Equity	€155k	€2.97M	better than 23% of 203 sector peers
Gross operating margin	€-4k	€51k	better than 15% of 100 sector peers
Total assets	€482k	€6.28M	better than 14% of 203 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€-11k

- far below sector median

Total assets

€482k

-4.9% -97% vs sector

Equity

€155k

-6.4% -99% vs sector

Income taxes

€16k

+26.6% -53% vs sector

Debt

€328k

-4.2% -91% vs sector

Debt ≤ 1y

€93k

+12.8% -97% vs sector

Debt > 1y

€233k

-9.1% -98% vs sector

Solvency

32.1%

-1.5% -60% vs sector

ROE

-6.8%

- far below sector median

ROA

-2.2%

- far below sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	n/a
EBITDA	n/a
Net profit	€-11k
Cash flow	n/a
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€482k
Equity	€155k
Debt	€328k
of which ≤ 1y	€93k
of which > 1y	€233k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	32.1%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	-2.2%
ROE	-6.8%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €413k · 85.6% Current assets €69k · 14.4%

Equity & liabilities

Equity €155k · 32.1% Debt €328k · 67.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€482k
Fixed assets	21/28	€413k
Financial fixed assets	28	€413k
Current assets	29/58	€69k
Amounts receivable within one year	40/41	€24k
Cash & bank	54/58	€45k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€482k
Equity	10/15	€155k
Contributions / capital	10/11	€20k
Reserves	13	€145k
Accumulated profits (losses)	14	€-11k
Amounts payable	17/49	€328k
Amounts payable after one year	17	€233k
Amounts payable within one year	42/48	€93k
Trade debts payable within one year	44	€5k
Income statement
Gross operating margin	9900	€-4k
Operating result	9901	€-5k
Financial charges	65	€6k
Result before taxes	9903	€-11k
Net result for the period	9904	€-11k
Result to be appropriated	9905	€-11k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Financial services(64210)
Legal form	Private limited company(610)
Incorporation	21-05-2021
Status	Active
Postal code	4100

Establishment units 1 location

P4HOLDING

Route du Condroz 322, 4550 NandrinOverige diensten op het gebied van informatietechnologie en computer

since 20212.318.136.781

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

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 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62352E0575/00Y000	Wallonia	2,742 m²	1 · 484 m²	10.1 m · 3 fl.
61043B0005/00H000	Wallonia	1,896 m²	1 · 655 m²	-

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.

Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

10-06-2026

NBB filing Annual accounts filed

fiscal year 2025 · volledig

2025

06-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

11-02-2025

State Gazette act Director changes

07-01-2025

State Gazette act Director changes

2024

27-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · volledig

2023

31-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

2022

30-09-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 1 year ago

2025

11-02-2025 Hélène Reuchamps appointed as statutory auditor Director changes

Hélène Reuchamps, Commissaris

Original publication ↗

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07-01-2025 2 directors appointed, 4 resigning, 2 reappointed Director changes

Laurent Labille, Bestuurder
Philippe Bartsch, Bestuurder
Jean-christophe René Lucien Lion, Bestuurder
Benoit André Marthe Ghislain Debor, Bestuurder
François Jacques Théodore Philippe Van Sull, Bestuurder
Wagner Pierre Jacques Fernand, Bestuurder
Laurent Labille, Bestuurder
Philippe Bartsch, Bestuurder

Original publication ↗

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Credit advice verdict per customer and amount

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameFR

P4HOLDING

Registered office

Rue de la Boverie 379

4100 Seraing, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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