Summary
PBA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show a net result of €54,916. Equity remains stable across the filed fiscal years (±0.2% per year). Its net result ranks better than 65% of 3323 sector peers (fiscal year 2024). The company has been active since 2017 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.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
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 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
41 d early
2022
46 d early
2021
44 d early
2020
36 d early
2019
36 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€0▼ 100%
2022 · €99,121
Net result
€54,916▲ 13.9%
2023 · €48,198
Total assets
€141,549▼ 7.2%
2023 · €152,593
Solvency
0.0%▼ 58.8pp
2022 · 58.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€31,237▼ 36.2%€60,295▲ 93.0%€55,916▼ 7.3%€62,686▲ 12.1%€71,431▲ 14.0%
Net result€22,089▼ 40.5%€46,157▲ 109%€42,384▼ 8.2%€48,198▲ 13.7%€54,916▲ 13.9%
Equity€113,181▲ 24.2%€99,338▼ 12.2%€99,121▼ 0.2%€0▼ 100%
Total assets€138,179▲ 19.9%€175,148▲ 26.8%€168,593▼ 3.7%€152,593▼ 9.5%€141,549▼ 7.2%
Debt€24,999▲ 3.6%€75,810▲ 203%€69,472▼ 8.4%€152,593▲ 120%€141,549▼ 7.2%
Working capital€113,341▲ 41.4%€98,701▼ 12.9%€98,598▼ 0.1%-€1,480-€1,360▲ 8.2%
Solvency81.9%▲ 2.8pp56.7%▼ 25.2pp58.8%▲ 2.1pp0.0%▼ 58.8pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 14% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €141,549
Fixed assets
€1,511 ▼ 25.0%
Current assets
€140,038 ▼ 7.0%
Key figures and ratios
ROA
38.8%▲
2023 · 31.6%
Debt ≤ 1 year
€141,398▼
2023 · €152,059
Income taxes
€16,317▲
2023 · €14,327
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,063 | €628 | €628 | €1,026 | €504 | ▼ 50.9% |
| Other operating charges640/8 | - | €1,504 | €1,024 | €2,265 | €1,382 | ▼ 39.0% |
| Gross operating margin9900 | €43,368 | €62,426 | €57,567 | €65,977 | €73,316 | ▲ 11.1% |
| Operating profit (loss)9901 | €31,237 | €60,295 | €55,916 | €62,686 | €71,431 | ▲ 14.0% |
| Financial income75/76B | - | €0 | €6 | €1 | €0 | ▼ 98.6% |
| Recurring financial income75 | €6 | €0 | €6 | €1 | €0 | ▼ 98.6% |
| Financial charges65/66B | - | €208 | €164 | €161 | €197 | ▲ 22.5% |
| Recurring financial charges65 | €290 | €208 | €164 | €161 | €197 | ▲ 22.5% |
| Profit (loss) for the period before taxes9903 | €30,953 | €60,087 | €55,758 | €62,525 | €71,233 | ▲ 13.9% |
| Income taxes67/77 | €8,863 | €13,930 | €13,374 | €14,327 | €16,317 | ▲ 13.9% |
| Profit (loss) for the period9904 | €22,089 | €46,157 | €42,384 | €48,198 | €54,916 | ▲ 13.9% |
| Profit (loss) for the period to be appropriated9905 | €22,089 | €46,157 | €42,384 | €48,198 | €54,916 | ▲ 13.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €138,179 | €175,148 | €168,593 | €152,593 | €141,549 | ▼ 7.2% |
| Fixed assets21/28 | €1,778 | €1,151 | €523 | €2,014 | €1,511 | ▼ 25.0% |
| Tangible fixed assets22/27 | €1,778 | €1,151 | €523 | €2,014 | €1,511 | ▼ 25.0% |
| Furniture and vehicles24 | - | €1,151 | €523 | €2,014 | €1,511 | ▼ 25.0% |
| Current assets29/58 | €136,401 | €173,997 | €168,070 | €150,578 | €140,038 | ▼ 7.0% |
| Amounts receivable within one year40/41 | €13,118 | €14,877 | €16,305 | €15,972 | €16,003 | ▲ 0.2% |
| Trade receivables40 | - | €14,877 | €16,305 | €15,972 | €16,003 | ▲ 0.2% |
| Cash at bank and in hand54/58 | €122,115 | €157,914 | €150,495 | €133,249 | €121,884 | ▼ 8.5% |
| Deferred charges and accrued income490/1 | - | €1,207 | €1,271 | €1,357 | €2,151 | ▲ 58.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €138,179 | €175,148 | €168,593 | €152,593 | €141,549 | ▼ 7.2% |
| Equity10/15 | €113,181 | €99,338 | €99,121 | €0 | - | - |
| Contributions10/11 | - | €6,200 | €18,600 | €0 | - | - |
| Reserves13 | €106,981 | €93,138 | €80,521 | €0 | - | - |
| Distributable reserves133 | - | €93,138 | €80,521 | €0 | - | - |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €24,999 | €75,810 | €69,472 | €152,593 | €141,549 | ▼ 7.2% |
| Amounts payable within one year42/48 | €23,060 | €75,296 | €69,472 | €152,059 | €141,398 | ▼ 7.0% |
| Trade debts44 | €1,455 | €1,775 | €511 | €1,127 | €1,184 | ▲ 5.1% |
| Suppliers440/4 | - | €1,775 | €511 | €1,127 | €1,184 | ▲ 5.1% |
| Taxes, remuneration and social security45 | - | €13,118 | €12,713 | €10,357 | €12,548 | ▲ 21.2% |
| Taxes450/3 | - | €11,868 | €12,713 | €8,107 | €10,298 | ▲ 27.0% |
| Remuneration and social security454/9 | - | €1,250 | €0 | €2,250 | €2,250 | = |
| Other amounts payable47/48 | - | €60,404 | €56,248 | €140,575 | €127,665 | ▼ 9.2% |
| Accrued charges and deferred income492/3 | - | €514 | €0 | €534 | €151 | ▼ 71.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,089 | €46,157 | €42,384 | €48,198 | €54,916 | ▲ 13.9% |
| + Depreciation and write-downs630 | €11,063 | €628 | €628 | €1,026 | €504 | ▼ 50.9% |
| Operating cash flow (approximation) | €33,152 | €46,785 | €43,011 | €49,224 | €55,420 | ▲ 12.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€2,518 | €0 | ▲ 100% |
| Change in cash | - | €35,799 | -€7,419 | -€17,245 | -€11,366 | ▲ 34.1% |
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
2025
15-09
State Gazette act
General meeting · Capital increase
Bank account · Director resignation
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
03-02
State Gazette act
General meeting · Capital increase
Capital decrease · Share cancellation
2024
31-12
Financial
Highest result since 2018net €54,916 ▲13.9%
Net result €54,916, the highest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-10
State Gazette act
Board meeting · Director reappointment
Permanent representative
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €22,089 ▼40.5%
Net result drops to €22,089, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100,000Eq €113,181 ▲24.2%
3 profitable years in a row build equity to €113,181.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Liquidity doublescurrent ratio 4.32
Current ratio from 2.04 to 4.32; short-term debt falls from €39,715 to €24,126.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-07
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Kasterlee · 1 establishment unit since 2017
Ground area
533 m²
Building footprint
110 m²
Volume, LiDAR
779 m³
Parcel 13038B0378/00Z000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PBA
since 20172.260.859.667
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13038B0378/00Z000 | Flanders | 533 m² | 1 · 110 m² | 10.6 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
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Similar companies · same sector, comparable size
KHYBER
BE 0477.800.026
Liège · Eq €99,305
LYL-Trade
BE 0831.491.621
Tongeren-Borgloon · Eq €99,437
DE VRIENDT
BE 0826.315.581
Charleroi · Eq €98,761
Oser Management
BE 0755.490.042
Amay · Eq €98,517
GS CONSULT
BE 0828.985.457
La Bruyère · Eq €99,958
Of 1,507 companies in sector 66199 we hold annual accounts for 921. 624 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
Founded30-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0670546449
Also
9925:BE0670546449
Registered
14-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.