PBB
ActiveThe computed 12-month bankruptcy probability of PBB is 1.7% (moderate). The 2025 annual accounts show equity of €62k and a net result of €-1k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 11297 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-30
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.36 against 6.6 in 2024; short-term debt: 14.5% and cash: 11.2% of total assets), and 14.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-05-2026, 74 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
74 d early
2024
31 d early
2023
29 d late
2022
8 d late
2021
26 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▼ 2.0%
2024 · €63k
2021: €24k
2022: €47k
2023: €47k
2024: €63k
2021 → 2025
Total assets
€72k▼ 0.3%
2024 · €73k
2021: €64k
2022: €95k
2023: €124k
2024: €73k
2021 → 2025
Net result
€-1k
2024 · €16k
2021: €21k
2022: €24k
2023: €-383
2024: €16k
2021 → 2025
Working capital
€35k▼ 33.2%
2024 · €53k
2021: €-19k
2022: €16k
2023: €27k
2024: €53k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€47k▲ 101%€47k▼ 0.8%€63k▲ 34.6%€62k▼ 2.0%
Operating result€28k-€33k▲ 16.8%€293▼ 99.1%€22k▲ 7,259%€-645
Net result€21k-€24k▲ 15.4%€-383€16k€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €645 after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€27k▲ 156%
Current assets
€46k▼ 26.5%
Equity and liabilities €72k
Equity
€62k▼ 2.0%
Debt
€10k▲ 11.2%
The debt ratio rises from 13.0% to 14.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €34k
Cash flow
€12k▼
2024 · €28k
Solvency
85.5%▼
2024 · 87.0%
Current ratio
4.36▼
2024 · 6.60
Quick ratio
4.36▲
2024 · 3.41
Debt / equity
0.17▲
2024 · 0.15
ROE
-2.1%▼
2024 · 25.7%
ROA
-1.8%▼
2024 · 22.4%
Interest coverage
44.25▼
2024 · 190.58
Debt
€10k▲
2024 · €9k
Debt ≤ 1 year
€10k▲
2024 · €9k
Income taxes
€353▼
2024 · €5k
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€73k€72k▼
Fixed assets21/28€10k€27k▲
Tangible fixed assets22/27€10k€26k▲
Furniture and vehicles24€10k€26k▲
Financial fixed assets28€483€226▼
Current assets29/58€62k€46k▼
Stocks and contracts in progress3€30k-
Stocks30/36€30k-
Amounts receivable within one year40/41€26k€36k▲
Trade receivables40€26k€36k▲
Cash at bank and in hand54/58€6k€8k▲
Deferred charges and accrued income490/1€347€1k▲
Equity and liabilities
Total equity and liabilities10/49€73k€72k▼
Equity10/15€63k€62k▼
Contributions10/11€3k€3k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€40k€39k▼
Amounts payable17/49€9k€10k▲
Amounts payable within one year42/48€9k€10k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€7k€7k▼
Other amounts payable47/48€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€-19-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€39k€14k▼
Operating profit (loss)9901€22k€-645▼
Financial charges65/66B€176€290▲
Recurring financial charges65€176€290▲
Profit (loss) for the period before taxes9903€21k€-935▼
Income taxes67/77€5k€353▼
Profit (loss) for the period9904€16k€-1k▼
Profit (loss) for the period to be appropriated9905€16k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€39k▼
Profit (loss) brought forward from the previous period14P€24k€40k▲
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-1k ▼108%
Net result drops to €-1k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 6.60
Current ratio from 1.35 to 6.60; short-term debt falls from €77k to €9k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Highest result since 2021net €24k ▲15.4%
Operating result €33k, net result €24k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.33
Current ratio from 0.53 to 1.33.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Lasne · 1 establishment unit since 2020
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.
Chemin des Hochequeues 401380 LasneGround area
226 m²
Building footprint
227 m²
Volume, LiDAR
1,299 m³
Parcel 25051C0028/00H000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PBB
since 20202.347.243.117
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051C0028/00H000 | Wallonia | 226 m² | 1 · 227 m² | 8.1 m · 2 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
ARMCI
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Seven Hills Customs
BE 0871.661.794
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iaMMar
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AUTO-LAMBO
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Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-08-2020
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45402
47639Retail sale of other sporting goods
47640Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.