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Private limited companyfounded 2017active for 9 yearsKazernestraat 1A, 2460 Kasterlee, BelgiumKBO/BCE: BE 0670.546.449

Financials · financial year 2025, micro format

Annual accounts 2025 filed on 19-06-2026 at the NBB all 8 filings

Equity
€8,758
2023 · €0
Net result
€58,758▲ 7.0%
2024 · €54,916
Total assets
€127,263▼ 10.1%
2024 · €141,549
Solvency
6.9%▲ 6.9pp
2023 · 0.0%
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result for 2025 is 6% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.

Operating result€75,553 2025 Net result€58,758 2025

Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.

Use the arrow keys on the chart for the figures per year.

The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result€73,046-€48,983▼ 32.9%€31,237▼ 36.2%€60,295▲ 93.0%€55,916▼ 7.3%€62,686▲ 12.1%€71,431▲ 14.0%€75,553▲ 5.8%
Net result€47,779-€37,113▼ 22.3%€22,089within the sector's middle half▼ 40.5%€46,157within the sector's middle half▲ 109%€42,384within the sector's middle half▼ 8.2%€48,198within the sector's middle half▲ 13.7%€54,916within the sector's middle half▲ 13.9%€58,758within the sector's middle half▲ 7.0%
Equity€53,979-€91,092▲ 68.8%€113,181within the sector's middle half▲ 24.2%€99,338within the sector's middle half▼ 12.2%€99,121within the sector's middle half▼ 0.2%€0below the sector's middle half▼ 100%€8,758below the sector's middle half
Total assets€103,051-€115,218▲ 11.8%€138,179below the sector's middle half▲ 19.9%€175,148within the sector's middle half▲ 26.8%€168,593within the sector's middle half▼ 3.7%€152,593within the sector's middle half▼ 9.5%€141,549within the sector's middle half▼ 7.2%€127,263below the sector's middle half▼ 10.1%
Debt€49,072-€24,126▼ 50.8%€24,999▲ 3.6%€75,810▲ 203%€69,472▼ 8.4%€152,593▲ 120%€141,549▼ 7.2%€118,505▼ 16.3%
Working capital€41,418-€80,133▲ 93.5%€113,341within the sector's middle half▲ 41.4%€98,701within the sector's middle half▼ 12.9%€98,598within the sector's middle half▼ 0.1%-€1,480within the sector's middle half-€1,360within the sector's middle half▲ 8.2%€7,870within the sector's middle half
Solvency52.4%-79.1%▲ 26.7pp81.9%above the sector's middle half▲ 2.8pp56.7%within the sector's middle half▼ 25.2pp58.8%within the sector's middle half▲ 2.1pp0.0%below the sector's middle half▼ 58.8pp6.9%below the sector's middle half
Current ratio2.04-4.32▲ 2.285.92above the sector's middle half▲ 1.592.31within the sector's middle half▼ 3.602.42within the sector's middle half▲ 0.110.99within the sector's middle half▼ 1.430.99within the sector's middle half=1.07within the sector's middle half▲ 0.08
Return on assets (ROA)46.4%-32.2%▼ 14.2pp16.0%within the sector's middle half▼ 16.2pp26.4%above the sector's middle half▲ 10.4pp25.1%above the sector's middle half▼ 1.2pp31.6%above the sector's middle half▲ 6.4pp38.8%above the sector's middle half▲ 7.2pp46.2%above the sector's middle half▲ 7.4pp
above within below The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127,263
Fixed assets €1,007 ▼ 33.3%
Current assets €126,256 ▼ 9.8%
Equity and liabilities €127,263
Equity €8,758
Debt €118,505
Debt's share of the balance-sheet total is 93.1%.
Key figures and ratios
2025 value · change against 2024
ROE
670.9%
Debt ≤ 1 year
€118,386▼
2024 · €141,398
Income taxes
€17,140▲
2024 · €16,317
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.

Investments

fixed assets acquired
Item20212022202320242025
Tangible fixed assets--€2,518--
Depreciation and write-downs of the year€628€628€1,026€504€504

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Comparable companies

These companies have the same main activity as PBA: other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199). They are comparable in size and age: total assets between €103,000 and €171,000, founded between 2014 and 2019.

CompanyFoundedTotal assetsEquityGross marginNet resultFTEFinancial year
PBA Kasterlee2017€127,263€8,758€77,641€58,758-2025
LE CREDIT LIEGEOIS Oupeye2016€151,593€69,144€73,055€515-2025
N°10 Mol2019€120,203€67,610€87,791€56,466-2025
NBM Office Sint-Pieters-Woluwe2015€170,578€22,540€92,691€65,415-2025
TIMUZ Kortrijk2019€151,353€103,360€83,742€57,432-2025
MONTMORENCY - VANHOUTTE Moorslede2014€102,706€53,400€67,351€2,1310.92025
HVH MANAGEMENT Brugge2014€120,801€22,000€106,970€82,138-2025

They were chosen from the 941 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines

Source: Annual accounts 2025 at the NBB, filed on 19-06-2026.

Balance sheet Code20242025
Assets
Total assets20/58€141,549€127,263▼
Fixed assets21/28€1,511€1,007▼
Tangible fixed assets22/27€1,511€1,007▼
Furniture and vehicles24€1,511€1,007▼
Current assets29/58€140,038€126,256▼
Amounts receivable within one year40/41€16,003€18,385▲
Trade receivables40€16,003€18,385▲
Current investments50/53-€2,613
Cash at bank and in hand54/58€121,884€104,530▼
Deferred charges and accrued income490/1€2,151€728▼
Equity and liabilities
Total equity and liabilities10/49€141,549€127,263▼
Equity10/15-€8,758
Reserves13-€8,758
Distributable reserves133-€8,758
Profit (loss) carried forward14€0€0=
Amounts payable17/49€141,549€118,505▼
Amounts payable within one year42/48€141,398€118,386▼
Trade debts44€1,184€2,476▲
Suppliers440/4€1,184€2,476▲
Taxes, remuneration and social security45€12,548€20,931▲
Taxes450/3€10,298€18,681▲
Remuneration and social security454/9€2,250€2,250=
Other amounts payable47/48€127,665€94,978▼
Accrued charges and deferred income492/3€151€119▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€504€504=
Other operating charges640/8€1,382€1,585▲
Gross operating margin9900€73,316€77,641▲
Operating profit (loss)9901€71,431€75,553▲
Financial income75/76B€0€611▲
Recurring financial income75€0€611▲
Financial charges65/66B€197€266▲
Recurring financial charges65€197€266▲
Profit (loss) for the period before taxes9903€71,233€75,898▲
Income taxes67/77€16,317€17,140▲
Profit (loss) for the period9904€54,916€58,758▲
Profit (loss) for the period to be appropriated9905€54,916€58,758▲
Appropriation of the result
Profit (loss) to be appropriated9906€54,916€58,758▲
Transfer from equity791/2€0-
Transfer to equity691/2-€8,758
To other reserves6921-€8,758
Profit to be distributed694/7€54,916€50,000▼
Return on contributions (dividend)694€54,916€50,000▼

The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Line20182019202020212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22,800€10,959€11,063€628€628€1,026€504€504=
Other operating charges640/8---€1,504€1,024€2,265€1,382€1,585▲ 14.7%
Gross operating margin9900€98,955€61,173€43,368€62,426€57,567€65,977€73,316€77,641▲ 5.9%
Operating profit (loss)9901€73,046€48,983€31,237€60,295€55,916€62,686€71,431€75,553▲ 5.8%
Financial income75/76B---€0€6€1€0€611▲ 61,125×
Recurring financial income75€227€7€6€0€6€1€0€611▲ 61,125×
Financial charges65/66B---€208€164€161€197€266▲ 34.7%
Recurring financial charges65€634€645€290€208€164€161€197€266▲ 34.7%
Profit (loss) for the period before taxes9903€72,639€48,345€30,953€60,087€55,758€62,525€71,233€75,898▲ 6.5%
Income taxes67/77€24,861€11,232€8,863€13,930€13,374€14,327€16,317€17,140▲ 5.0%
Profit (loss) for the period9904€47,779€37,113€22,089€46,157€42,384€48,198€54,916€58,758▲ 7.0%
Profit (loss) for the period to be appropriated9905€47,779€37,113€22,089€46,157€42,384€48,198€54,916€58,758▲ 7.0%
Line20182019202020212022202320242025Change
Assets
Total assets20/58€103,051€115,218€138,179€175,148€168,593€152,593€141,549€127,263▼ 10.1%
Fixed assets21/28€21,917€10,959€1,778€1,151€523€2,014€1,511€1,007▼ 33.3%
Tangible fixed assets22/27€21,917€10,959€1,778€1,151€523€2,014€1,511€1,007▼ 33.3%
Furniture and vehicles24---€1,151€523€2,014€1,511€1,007▼ 33.3%
Current assets29/58€81,133€104,259€136,401€173,997€168,070€150,578€140,038€126,256▼ 9.8%
Amounts receivable within one year40/41€9,299€15,589€13,118€14,877€16,305€15,972€16,003€18,385▲ 14.9%
Trade receivables40---€14,877€16,305€15,972€16,003€18,385▲ 14.9%
Current investments50/53-------€2,613-
Cash at bank and in hand54/58€70,357€87,163€122,115€157,914€150,495€133,249€121,884€104,530▼ 14.2%
Deferred charges and accrued income490/1---€1,207€1,271€1,357€2,151€728▼ 66.2%
Equity and liabilities
Total equity and liabilities10/49€103,051€115,218€138,179€175,148€168,593€152,593€141,549€127,263▼ 10.1%
Equity10/15€53,979€91,092€113,181€99,338€99,121€0-€8,758-
Contributions10/11€6,200€6,200-€6,200€18,600€0---
Reserves13€47,779€84,892€106,981€93,138€80,521€0-€8,758-
Distributable reserves133---€93,138€80,521€0-€8,758-
Profit (loss) carried forward14---€0€0€0€0€0-
Amounts payable17/49€49,072€24,126€24,999€75,810€69,472€152,593€141,549€118,505▼ 16.3%
Amounts payable after more than one year17€9,357--------
Amounts payable within one year42/48€39,715€24,126€23,060€75,296€69,472€152,059€141,398€118,386▼ 16.3%
Trade debts44€1,640€1,923€1,455€1,775€511€1,127€1,184€2,476▲ 109%
Suppliers440/4---€1,775€511€1,127€1,184€2,476▲ 109%
Taxes, remuneration and social security45---€13,118€12,713€10,357€12,548€20,931▲ 66.8%
Taxes450/3---€11,868€12,713€8,107€10,298€18,681▲ 81.4%
Remuneration and social security454/9---€1,250€0€2,250€2,250€2,250=
Other amounts payable47/48---€60,404€56,248€140,575€127,665€94,978▼ 25.6%
Accrued charges and deferred income492/3---€514€0€534€151€119▼ 21.4%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904€47,779€37,113€22,089€46,157€42,384€48,198€54,916€58,758▲ 7.0%
+ Depreciation and write-downs630€22,800€10,959€11,063€628€628€1,026€504€504=
Operating cash flow (approximation)€70,578€48,072€33,152€46,785€43,011€49,224€55,420€59,261▲ 6.9%
Investment in fixed assets (approximation)-€0-€1,883€0€0-€2,518€0€0-
Change in cash-€16,806€34,952€35,799-€7,419-€17,245-€11,366-€17,354▼ 52.7%

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (8)
Financial year Type Filed Reference Document
31-12-2025 micro format 19-06-2026 2026-00176544 NBB
31-12-2024 micro format 31-07-2025 2025-00336189 PDF
31-12-2023 micro format 20-06-2024 2024-00143256 PDF
31-12-2022 micro format 15-06-2023 2023-00128063 PDF
31-12-2021 micro format 17-06-2022 2022-20068951 PDF
31-12-2020 micro format 25-06-2021 2021-25400285 PDF
31-12-2019 micro format 25-06-2020 2020-20100467 PDF
31-12-2018 micro format 27-06-2019 2019-23100304 PDF

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