Equity
€76,735 ▲ 4.6%
PBL has made a profit without a break since 2012.
PBL
Lifetime
20 annual accounts with figures on one time axis, 21 filings since 2005peak €99,741 (2019)
€42,238▲ 6.1%
lowest -€35,202 (2010)
€3,400▼ 52.4%
peak €76,735 (2025)
€76,735▲ 4.6%
€416,993▲ 8.6%
peak 0.3 FTE (2011)
-not published
Board5 names since 2017
5 directorsLOVEDEEP Singh and 4 others
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
Result from €7,149 to €3,400Appointment: Gurlal Singh LALI (director) 25-021 establishment registeredCash from €15,395 to €24,178
Key points
from the 2025 annual accountsChecked score
82
Excellent
Financially stronger than 30% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.6%▲ +0.2 percentage points vs 06-2025
08-2025: 1.0%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 0.3%▼ -0.7 percentage points vs 08-2025lowest value
10-2025: 0.3%● unchanged vs 09-2025lowest value
11-2025: 0.3%● unchanged vs 10-2025lowest value
12-2025: 0.3%● unchanged vs 11-2025lowest value
01-2026: 0.3%● unchanged vs 12-2025lowest value
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.3%▼ -0.1 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
Equity €76,735 (15.5% of total assets)
lowers risk
Size: total assets €493,728
Founded in 2004
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 32% of them on solvency, 10% on liquidity, 28% on profitability and 51% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,685 companies had the same profile as PBL has now. Each dot stands for 12 companies, two years later.
97.0%
were still trading
1.9%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of PBL itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,685 companies, not a prediction for PBL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.16 (1.16 in 2024), below the usual 1.5. Short-term debt is 84.5% and cash 4.9% of total assets. 84.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 days early
2024
on the day
2023
on the day
2022
on the day
2021
22 days late
2020
26 days late
2019
80 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 16 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SINGH GURJEET werkend vennootdeed of 07-07-2022
- SINGH SHAMSHER werkende vennootdeed of 07-07-2022
Recent changes
Resignation: Lovepreet SINGH (director)
General meeting of 13-03-2026 · Gazette deed
Appointment: Gurlal Singh LALI (director)
General meeting of 31-12-2024 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0865728364
New establishment in Aalst
Buurtwinkel Cheema, Nieuwbrugstraat 7c
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PBL Aalst | €493,728 | €42,238 | 15.5% | - |
| SUPERMARKT DINO Wichelen | €560,293 | €41,228 | -33.5% | 4.2 |
| VERLIPRO Poperinge | €435,170 | €47,608 | 80.9% | - |
| PETRUZZI PUNTO & BASTA Mouscron | €419,159 | €52,799 | 23.2% | - |
| BEN & CO CADEAUX Sint-Gillis (bij-Brussel) | €514,839 | €43,469 | 14.4% | - |
| INANA Zaventem | €640,096 | €47,003 | 17.3% | - |
| ERSAS BENELUX Verviers | €553,209 | €51,603 | 37.9% | 1.3 |
These companies have the same main activity as PBL: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €419,000 and €640,000, founded between 2000 and 2006.
Official details
Source: KBO- Status
- Active since 11-06-2004Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Establishment units
- 2.139.669.7489300 Aalst, since 26-05-2004
- 2.147.496.3619300 Aalst, since 24-06-2005and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 12-02-2025
Annual accounts 2025
- €493,728▲ 7.9%
- Filing
- Filed on 16-07-2026, 15 days before the end of the filing period
Insights on PBL
PBL files the micro format. That format states no turnover. The gross margin fell from €45,230 in 2006 to €42,238 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PBL
- What is the company number of PBL?
- The company number of PBL is 0865.728.364. The VAT number is the same number with BE in front: BE 0865.728.364.
- Where is PBL based?
- The registered office is at Molendries 6, 9300 Aalst.Company details
- What does PBL do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of PBL?
- PBL is a private limited company (BV).
- When was PBL founded?
- PBL was founded on 11-06-2004.
- Is PBL still active?
- Yes, PBL is an active enterprise in the KBO register.
- What is the turnover of PBL?
- The turnover in financial year 2025 is ≈ €490,000. This figure is estimated from the gross margin of €42,238 and 168 comparable companies (NACE 47110). It probably lies between €330,000 and €760,000. In financial year 2019 turnover was €1.5m.Financials
- Is PBL profitable?
- In financial year 2025, PBL made a profit of €3,400.
- Where can I find the annual accounts of PBL?
- PBL filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PBL due?
- PBL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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