PB Services
ActiveSummary
PB Services has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €34k. Equity is growing by ~35.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency53▼-47
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 3.88 in 2024; short-term debt: 72.1% and cash: 9.3% of total assets), and 72.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
27.9%
Return on assets
44.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 24%
← weakest
strongest →
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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
29 d late
2022
44 d late
2021
23 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 6.1%
2024 · €20k
2021: €3k
2022: €11k
2023: €13k
2024: €20k
2021 → 2025
Total assets
€78k▲ 229%
2024 · €24k
2021: €6k
2022: €18k
2023: €19k
2024: €24k
2021 → 2025
Net result
€34k▲ 341%
2024 · €8k
2021: €-2k
2022: €8k
2023: €1k
2024: €8k
2021 → 2025
Working capital
€7k▼ 22.1%
2024 · €9k
2021: €2k
2022: €-2k
2023: €-3k
2024: €9k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€11k▲ 227%€13k▲ 11.8%€20k▲ 61.2%€22k▲ 6.1%
Operating result€-1k-€9k€2k▼ 81.1%€11k▲ 541%€47k▲ 331%
Net result€-2k-€8k€1k▼ 83.0%€8k▲ 480%€34k▲ 341%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 331% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€15k ▲ 29.1%
Current assets
€63k ▲ 411%
Equity and liabilities €78k
Equity
€22k ▲ 6.1%
Debt
€56k ▲ 1,658%
Debt's share of the balance-sheet total rises from 13.5% to 72.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51k▲
2024 · €15k
Cash flow
€39k▲
2024 · €12k
Current ratio
1.13▼
2024 · 3.88
Debt to equity
2.58▲
2024 · 0.16
ROE
157.9%▲
2024 · 38.0%
ROA
44.1%▲
2024 · 32.9%
Interest coverage
679.35▲
2024 · 120.77
Debt ≤ 1 year
€56k▲
2024 · €3k
Income taxes
€12k▲
2024 · €3k
Staff costs
€26k▲
2024 · €-1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€24k€78k▲
Fixed assets21/28€11k€15k▲
Tangible fixed assets22/27€10k€13k▲
Plant, machinery and equipment23€9k€13k▲
Furniture and vehicles24€343€240▼
Financial fixed assets28€2k€2k=
Current assets29/58€12k€63k▲
Amounts receivable within one year40/41€3k€55k▲
Trade receivables40-€2k
Other amounts receivable41€3k€53k▲
Cash at bank and in hand54/58€7k€7k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€24k€78k▲
Equity10/15€20k€22k▲
Contributions10/11€5k€5k=
Reserves13€15k€17k▲
Distributable reserves133€15k€17k▲
Amounts payable17/49€3k€56k▲
Amounts payable within one year42/48€3k€56k▲
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€3k€21k▲
Taxes450/3€3k€15k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48-€33k
Income statement
Code20242025
Remuneration, social security and pensions62€-1k€26k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€569€186▼
Gross operating margin9900€14k€77k▲
Operating profit (loss)9901€11k€47k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€124€75▼
Recurring financial charges65€124€75▼
Profit (loss) for the period before taxes9903€11k€47k▲
Income taxes67/77€3k€12k▲
Profit (loss) for the period9904€8k€34k▲
Profit (loss) for the period to be appropriated9905€8k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€34k▲
Transfer to equity691/2€8k€1k▼
To other reserves6921€8k€1k▼
Profit to be distributed694/7-€33k
Return on contributions (dividend)694-€33k
The notes to these accounts (7 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
Highest result since 2021net €34k ▲341%
Operating result €47k, net result €34k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Liquidity times 7current ratio 3.88
Current ratio from 0.55 to 3.88; short-term debt falls from €6k to €3k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Schoten · 1 establishment unit since 2021
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.
Salvialei 1212900 SchotenGround area
337 m²
Building footprint
139 m²
Volume, LiDAR
934 m³
Parcel 11443C0704/00E002, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PB Services
since 20212.316.286.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11443C0704/00E002 | Flanders | 337 m² | 1 · 139 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
Dr. Peter Piessens
BE 0725.647.991
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Docteur Thomas OTTE
BE 0740.596.879
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Dr. Lisabeth Mus, NKO
BE 0656.500.453
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OPHTA-FLORES
BE 0727.740.817
Watermaal-Bosvoorde · Eq €21,736
Dr. Delphine Labaere
BE 0661.863.167
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 3,318 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.