PB CONCEPT
ActivePB CONCEPT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €15k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 2291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+74
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.78 against 4.3 in 2024; short-term debt: 23.4% and cash: 53.1% of total assets), and 23.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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 dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.6%
Return on assets
10.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
22 d late
2020
23 d late
2019
31 d late
← 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 monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 16.6%
2024 · €92k
2018: €61k
2019: €59k
2020: €74k
2021: €89k
2022: €95k
2023: €102k
2024: €92k
2018 → 2025
Total assets
€140k▲ 22.7%
2024 · €114k
2018: €77k
2019: €67k
2020: €90k
2021: €106k
2022: €99k
2023: €104k
2024: €114k
2018 → 2025
Net result
€15k
2024 · €-10k
2018: €-3k
2019: €-5k
2020: €16k
2021: €15k
2022: €6k
2023: €7k
2024: €-10k
2018 → 2025
Working capital
€91k▲ 24.6%
2024 · €73k
2018: €53k
2019: €58k
2020: €73k
2021: €83k
2022: €90k
2023: €97k
2024: €73k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€95k▲ 6.2%€102k▲ 7.3%€92k▼ 9.6%€107k▲ 16.6%
Operating result€15k-€5k▼ 65.4%€9k▲ 69.6%€-10k€16k
Net result€15k-€6k▼ 62.7%€7k▲ 25.4%€-10k€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €10k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€16k▼ 14.5%
Current assets
€124k▲ 30.1%
Equity and liabilities €140k
Equity
€107k▲ 16.6%
Debt
€33k▲ 48.1%
The debt ratio rises from 19.4% to 23.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €-2k
Cash flow
€22k▲
2024 · €-2k
Solvency
76.6%▼
2024 · 80.6%
Current ratio
3.78▼
2024 · 4.30
Quick ratio
3.72▼
2024 · 4.21
Debt / equity
0.31▲
2024 · 0.24
ROE
14.2%▲
2024 · -10.7%
ROA
10.9%▲
2024 · -8.6%
Interest coverage
60.38▲
2024 · -3.64
Debt
€33k▲
2024 · €22k
Debt ≤ 1 year
€33k▲
2024 · €22k
Income taxes
€0▼
2024 · €201
Staff costs
€29▼
2024 · €34
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€114k€140k▲
Fixed assets21/28€19k€16k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€15k€14k▼
Plant, machinery and equipment23€12k€12k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€125€125=
Current assets29/58€95k€124k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€18k€47k▲
Trade receivables40€2k€27k▲
Other amounts receivable41€15k€20k▲
Cash at bank and in hand54/58€75k€74k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€114k€140k▲
Equity10/15€92k€107k▲
Contributions10/11€13k€13k=
Reserves13€45k€45k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€34k€49k▲
Amounts payable17/49€22k€33k▲
Amounts payable within one year42/48€22k€33k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€15k€24k▲
Taxes450/3€8k€17k▲
Remuneration and social security454/9€7k€7k=
Income statement
Code20242025
Remuneration, social security and pensions62€34€29▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€50€0▼
Gross operating margin9900€-2k€22k▲
Operating profit (loss)9901€-10k€16k▲
Financial income75/76B€943€6▼
Recurring financial income75€943€6▼
Financial charges65/66B€535€367▼
Recurring financial charges65€535€367▼
Profit (loss) for the period before taxes9903€-10k€15k▲
Income taxes67/77€201€0▼
Profit (loss) for the period9904€-10k€15k▲
Profit (loss) for the period to be appropriated9905€-10k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€49k▲
Profit (loss) brought forward from the previous period14P€44k€34k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Equity above €100kEq €107k ▲16.6%
Equity rises from €92k to €107k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼241%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €102k ▲7.3%
4 profitable years in a row build equity to €102k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 22.60
Current ratio from 5.80 to 22.60; short-term debt falls from €17k to €4k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
23-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 115 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tournai · 1 establishment unit since 2007
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.
Boulevard des Nerviens(TOU) 407500 TournaiGround area
1.2 ha
Building footprint
953 m²
Volume, LiDAR
4,876 m³
2 parcels, Wallonia · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PB CONCEPT
since 20072.161.504.052
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462B0121/00R000 | Wallonia | 1.2 ha | 1 · 892 m² | 5.5 m · 2 fl. |
| 57462A0281/00F050 | Wallonia | 377 m² | 1 · 61 m² | 16.2 m · 5 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.
Similar companies · same sector, comparable size
PEPPERMILL MAASMECHELEN
BE 0472.298.146
Maasmechelen · Eq €104k
SAMY GAMES
BE 0835.038.752
Anderlecht · Eq €103k
MUSIC 4 FUN
BE 0508.887.734
Tielt · Eq €112k
INTER-GAMES
BE 0413.422.413
Schaarbeek · Eq €99k
BNE EVENTS
BE 0479.431.804
Blégny · Eq €99k
Of 298 companies in sector 93293 we hold annual accounts for 190. 132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-03-2007
Fiscal year end31-12
Activities, NACEBEL
92722
93293Sports, amusement and recreation activities
55302
55401
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
92623
92723
92724
93199Other sports activities
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.