PBCC
ActiveSummary
PBCC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €438,309 and a net result of €58,867. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 88% of 3757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+2
Solvency99▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 3.38 against 2.85 in 2024; short-term debt: 25% and cash: 11.3% of total assets), and 25.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
74.4%
Return on assets
10%
Age of the figures
9 mo
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 25-07-2026, 6 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
6 d early
2024
42 d early
2023
41 d early
2022
38 d early
2021
52 d early
2020
25 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€438,309▲ 13.7%
2024 · €385,642
Total assets
€589,514▲ 9.3%
2024 · €539,260
Net result
€58,867▲ 38.0%
2024 · €42,668
Working capital
€351,524▲ 28.7%
2024 · €273,061
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€102,379▲ 21.0%€31,489▼ 69.2%€75,357▲ 139%€66,899▼ 11.2%€91,106▲ 36.2%
Net result€80,039within the sector's middle half▲ 15.2%€24,850within the sector's middle half▼ 69.0%€46,990within the sector's middle half▲ 89.1%€42,668within the sector's middle half▼ 9.2%€58,867above the sector's middle half▲ 38.0%
Equity€271,135within the sector's middle half▲ 41.9%€295,985within the sector's middle half▲ 9.2%€342,975above the sector's middle half▲ 15.9%€385,642above the sector's middle half▲ 12.4%€438,309above the sector's middle half▲ 13.7%
Total assets€521,183within the sector's middle half▲ 54.6%€617,940within the sector's middle half▲ 18.6%€572,961within the sector's middle half▼ 7.3%€539,260within the sector's middle half▼ 5.9%€589,514within the sector's middle half▲ 9.3%
Debt€250,048▲ 71.3%€321,955▲ 28.8%€229,987▼ 28.6%€153,617▼ 33.2%€151,205▼ 1.6%
Working capital€177,059▲ 184%€180,757▲ 2.1%€222,540▲ 23.1%€273,061▲ 22.7%€351,524▲ 28.7%
Solvency52.0%within the sector's middle half▼ 4.7pp47.9%within the sector's middle half▼ 4.1pp59.9%above the sector's middle half▲ 12.0pp71.5%above the sector's middle half▲ 11.7pp74.4%above the sector's middle half▲ 2.8pp
Staff (FTE)18.9above the sector's middle half▼ 5.5%30above the sector's middle half▲ 58.7%23above the sector's middle half▼ 23.3%9.9within the sector's middle half▼ 57.0%8.4within the sector's middle half▼ 15.2%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €589,514
Fixed assets
€90,399 ▼ 23.9%
Current assets
€499,116 ▲ 18.7%
Equity and liabilities €589,514
Equity
€438,309 ▲ 13.7%
Debt
€151,205 ▼ 1.6%
Debt's share of the balance-sheet total falls from 28.5% to 25.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€121,263▲
2024 · €97,153
Cash flow
€89,024▲
2024 · €72,922
Current ratio
3.38▲
2024 · 2.85
Quick ratio
3.34▲
2024 · 2.80
Debt to equity
0.34▼
2024 · 0.40
ROE
13.4%▲
2024 · 11.1%
ROA
10.0%▲
2024 · 7.9%
Interest coverage
51.52▼
2024 · 57.02
Debt ≤ 1 year
€147,591▲
2024 · €147,434
Income taxes
€31,099▲
2024 · €22,691
Staff costs
€394,555▲
2024 · €394,298
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €202 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €260,847 | €404,955 | €386,147 | €394,298 | €394,555 | ▲ 0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42,789 | €39,090 | €29,592 | €30,254 | €30,157 | ▼ 0.3% |
| Other operating charges640/8 | €848 | €1,362 | €5,338 | €4,568 | €4,401 | ▼ 3.7% |
| Gross operating margin9900 | €406,863 | €476,897 | €496,434 | €496,019 | €520,219 | ▲ 4.9% |
| Operating profit (loss)9901 | €102,379 | €31,489 | €75,357 | €66,899 | €91,106 | ▲ 36.2% |
| Financial income75/76B | €467 | €76 | €154 | €163 | €1,213 | ▲ 643% |
| Recurring financial income75 | €467 | €76 | €154 | €163 | €1,213 | ▲ 643% |
| Financial charges65/66B | €336 | €2,246 | €3,385 | €1,704 | €2,354 | ▲ 38.1% |
| Recurring financial charges65 | €336 | €2,246 | €3,385 | €1,704 | €2,354 | ▲ 38.1% |
| Profit (loss) for the period before taxes9903 | €102,510 | €29,320 | €72,126 | €65,359 | €89,965 | ▲ 37.6% |
| Income taxes67/77 | €22,470 | €4,470 | €25,136 | €22,691 | €31,099 | ▲ 37.1% |
| Profit (loss) for the period9904 | €80,039 | €24,850 | €46,990 | €42,668 | €58,867 | ▲ 38.0% |
| Profit (loss) for the period to be appropriated9905 | €80,039 | €24,850 | €46,990 | €42,668 | €58,867 | ▲ 38.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €521,183 | €617,940 | €572,961 | €539,260 | €589,514 | ▲ 9.3% |
| Fixed assets21/28 | €107,201 | €165,951 | €148,260 | €118,766 | €90,399 | ▼ 23.9% |
| Tangible fixed assets22/27 | €107,201 | €165,951 | €148,260 | €118,766 | €90,399 | ▼ 23.9% |
| Land and buildings22 | €54,583 | €48,143 | €43,766 | €36,389 | €29,962 | ▼ 17.7% |
| Plant, machinery and equipment23 | €35,339 | €105,761 | €90,935 | €70,710 | €49,996 | ▼ 29.3% |
| Furniture and vehicles24 | €17,279 | €12,047 | €13,559 | €11,666 | €10,440 | ▼ 10.5% |
| Current assets29/58 | €413,981 | €451,989 | €424,702 | €420,494 | €499,116 | ▲ 18.7% |
| Stocks and contracts in progress3 | €6,055 | €7,125 | €7,482 | €7,318 | €6,292 | ▼ 14.0% |
| Stocks30/36 | €6,055 | €7,125 | €7,482 | €7,318 | €6,292 | ▼ 14.0% |
| Amounts receivable within one year40/41 | €329,070 | €384,762 | €362,924 | €359,339 | €390,607 | ▲ 8.7% |
| Trade receivables40 | €5,889 | €12,891 | €6,312 | €11,793 | €17,233 | ▲ 46.1% |
| Other amounts receivable41 | €323,180 | €371,870 | €356,612 | €347,545 | €373,374 | ▲ 7.4% |
| Cash at bank and in hand54/58 | €74,848 | €58,994 | €52,991 | €48,635 | €66,385 | ▲ 36.5% |
| Deferred charges and accrued income490/1 | €4,008 | €1,108 | €1,305 | €5,203 | €35,831 | ▲ 589% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €521,183 | €617,940 | €572,961 | €539,260 | €589,514 | ▲ 9.3% |
| Equity10/15 | €271,135 | €295,985 | €342,975 | €385,642 | €438,309 | ▲ 13.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €12,400 | ▼ 33.3% |
| Reserves13 | €252,535 | €277,385 | €324,375 | €367,042 | €425,909 | ▲ 16.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Distributable reserves133 | €250,675 | €275,525 | €322,515 | €365,182 | €425,909 | ▲ 16.6% |
| Amounts payable17/49 | €250,048 | €321,955 | €229,987 | €153,617 | €151,205 | ▼ 1.6% |
| Amounts payable after more than one year17 | €13,125 | €50,723 | €27,824 | €6,042 | - | - |
| Financial debts170/4 | €13,125 | €50,723 | €27,824 | €6,042 | - | - |
| Amounts payable within one year42/48 | €236,923 | €271,232 | €202,162 | €147,434 | €147,591 | ▲ 0.1% |
| Current portion of amounts payable after more than one year42 | €21,911 | €28,556 | €23,385 | €21,297 | €6,042 | ▼ 71.6% |
| Financial debts43 | - | €4,478 | €5,888 | €3,381 | €33,406 | ▲ 888% |
| Credit institutions430/8 | - | €4,478 | €5,888 | €3,381 | €33,406 | ▲ 888% |
| Trade debts44 | €66,208 | €92,013 | €54,651 | €36,785 | €33,765 | ▼ 8.2% |
| Suppliers440/4 | €66,208 | €92,013 | €54,651 | €36,785 | €33,765 | ▼ 8.2% |
| Taxes, remuneration and social security45 | €40,060 | €59,745 | €55,799 | €45,528 | €59,657 | ▲ 31.0% |
| Taxes450/3 | €15,437 | €10,784 | €10,840 | €5,652 | €16,482 | ▲ 192% |
| Remuneration and social security454/9 | €24,623 | €48,961 | €44,959 | €39,876 | €43,175 | ▲ 8.3% |
| Other amounts payable47/48 | €108,744 | €86,440 | €62,440 | €40,442 | €14,722 | ▼ 63.6% |
| Accrued charges and deferred income492/3 | - | - | - | €142 | €3,614 | ▲ 2,441% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €80,039 | €24,850 | €46,990 | €42,668 | €58,867 | ▲ 38.0% |
| + Depreciation and write-downs630 | €42,789 | €39,090 | €29,592 | €30,254 | €30,157 | ▼ 0.3% |
| Operating cash flow (approximation) | €122,829 | €63,940 | €76,582 | €72,922 | €89,024 | ▲ 22.1% |
| Investment in fixed assets (approximation) | - | -€97,840 | -€11,901 | -€760 | -€1,790 | ▼ 136% |
| Change in cash | - | -€15,854 | -€6,003 | -€4,356 | €17,750 | ▲ 508% |
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
Next filing, fiscal year 2026, expected by
2026
25-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €24,850 ▼69%
Net result drops to €24,850, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200,000Eq €271,135 ▲41.9%
4 profitable years in a row build equity to €271,135.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
31-12
Financial
Equity above €150,000Eq €191,095 ▲57.1%
3 profitable years in a row build equity to €191,095.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €100,000Eq €121,647 ▲2,483%
2 profitable years in a row build equity to €121,647.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2016
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.
Regine Beerplein 12018 Antwerpen1 establishment unit
PBCC
since 20162.252.933.876
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.252.933.876
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Of 20,505 companies in sector 56111 we hold annual accounts for 11,454. 6,683 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
Founded22-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0652779712
Also
9925:BE0652779712
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.