PBLM
ActivePBLM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €11k. Equity is growing by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 44% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-3
Solvency74▲+5
Growth68▼-17
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.01 in 2024; short-term debt: 38.9% and cash: 33.9% of total assets), and 51% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
49%
Return on assets
7.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
26 d late
2023
28 d late
2022
25 d late
2021
2 d early
2020
25 d late
2019
8 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€54k▲ 71.4%
2018 · €32k
2018: €32k
2018 → 2019
EBIT margin
42.3%▼ 6.7pp
2018 · 49.0%
2018: 49.0%
2018 → 2019
Net result
€11k▼ 25.6%
2024 · €15k
2018: €15k
2019: €17k
2020: €4k
2021: €12k
2022: €14k
2023: €9k
2024: €15k
2018 → 2025
Working capital
€15k▲ 4,769%
2024 · €315
2018: €-20k
2019: €-28k
2020: €-24k
2021: €-24k
2022: €-15k
2023: €-20k
2024: €315
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€41k▲ 52.9%€51k▲ 22.2%€66k▲ 29.7%€77k▲ 17.1%
Operating result€21k-€22k▲ 5.9%€15k▼ 31.6%€26k▲ 70.0%€20k▼ 21.0%
Net result€12k-€14k▲ 19.8%€9k▼ 36.0%€15k▲ 63.9%€11k▼ 25.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €157k
Fixed assets
€80k▼ 16.5%
Current assets
€76k▲ 41.1%
Equity and liabilities €157k
Equity
€77k▲ 17.1%
Debt
€80k▼ 5.7%
The debt ratio falls from 56.4% to 51.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▼
2024 · €42k
Cash flow
€27k▼
2024 · €32k
Solvency
49.0%▲
2024 · 43.6%
Current ratio
1.25▲
2024 · 1.01
Quick ratio
1.25▲
2024 · 1.01
Debt / equity
1.04▼
2024 · 1.29
ROE
14.6%▼
2024 · 22.9%
ROA
7.1%▼
2024 · 10.0%
Interest coverage
20.22▲
2024 · 18.81
Debt
€80k▼
2024 · €85k
Debt ≤ 1 year
€61k▲
2024 · €54k
Debt > 1 year
€19k▼
2024 · €31k
Income taxes
€7k▼
2024 · €8k
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€150k€157k▲
Fixed assets21/28€96k€80k▼
Tangible fixed assets22/27€41k€25k▼
Furniture and vehicles24€41k€25k▼
Financial fixed assets28€55k€55k=
Current assets29/58€54k€76k▲
Amounts receivable within one year40/41€7k€22k▲
Trade receivables40€7k€22k▲
Cash at bank and in hand54/58€47k€53k▲
Deferred charges and accrued income490/1€235€1k▲
Equity and liabilities
Total equity and liabilities10/49€150k€157k▲
Equity10/15€66k€77k▲
Contributions10/11€20k€20k=
Reserves13€40k€51k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€38k€49k▲
Profit (loss) carried forward14€6k€6k▲
Amounts payable17/49€85k€80k▼
Amounts payable after more than one year17€31k€19k▼
Financial debts170/4€31k€19k▼
Amounts payable within one year42/48€54k€61k▲
Current portion of amounts payable after more than one year42€12k€12k=
Trade debts44€345€2k▲
Suppliers440/4€345€2k▲
Taxes, remuneration and social security45€25k€25k▼
Taxes450/3€16k€19k▲
Remuneration and social security454/9€9k€6k▼
Other amounts payable47/48€16k€22k▲
Accrued charges and deferred income492/3-€0
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€695€560▼
Gross operating margin9900€43k€37k▼
Operating profit (loss)9901€26k€20k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B-€0
Profit (loss) for the period before taxes9903€23k€18k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€15k€11k▼
Profit (loss) for the period to be appropriated9905€15k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€17k▼
Profit (loss) brought forward from the previous period14P€6k€6k▲
Transfer to equity691/2€15k€11k▼
To other reserves6921€15k€11k▼
The notes to these accounts (6 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet €4k ▼73%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €17k ▲12.9%
Net result €17k, the highest in the series.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
03-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 34 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
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, Waterloo · 1 establishment unit since 2000
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.
Drève Marguerite 591410 WaterlooGround area
563 m²
Building footprint
75 m²
Volume, LiDAR
501 m³
Parcel 25110D0791/00F000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PBLM
since 20002.102.826.079
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110D0791/00F000 | Wallonia | 563 m² | 1 · 75 m² | 8.7 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,963 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-1991
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.