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PCLA

Active
Public limited companyfounded 201115 yrs activeKoralenhoeve 35, 2160 Wommelgem, BelgiumKBO/BCE: BE 0837.300.436
Summary

PCLA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46,889 and a net result of -€12,238. Equity is growing by ~16.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability51▲+34
Solvency46▼-2
Growth57=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 74.7% and cash: 0.4% of total assets), and 79.1% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 15 years 0 20 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
20.9%
Return on assets
-5.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€12,238
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
8 d early
2024
20 d early
2023
30 d early
2022
31 d early
2021
12 d late
2020
2 d early
2019
2 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 12 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 24 June 2011, PCLA was incorporated.1 Revenue went from EUR 24,000 in 2020 to EUR 21,443 in 2022.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2022

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Financials · fiscal year 2025, full schema

Turnover
€21,443▲ 168%
2021 · €8,000
EBIT margin
-86.2%▲ 486.4pp
2021 · -572.7%
Net result
-€12,238▲ 57.9%
2024 · -€29,035
Working capital
-€165,764▼ 12.3%
2024 · -€147,563
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover€8,000▼ 66.7%€21,443▲ 168%
Operating result-€45,813▼ 62.2%-€18,489▲ 59.6%€36,026-€20,892-€6,738▲ 67.7%
Net result-€57,008▼ 45.0%-€31,439▲ 44.9%€5,090-€29,035-€12,238▲ 57.9%
EBIT margin-572.7%▼ 455.0pp-86.2%▲ 486.4pp
Equity-€535,490▼ 11.9%-€566,929▼ 5.9%€88,162€59,127▼ 32.9%€46,889▼ 20.7%
Total assets€364,814▼ 14.0%€328,307▼ 10.0%€319,062▼ 2.8%€256,975▼ 19.5%€224,429▼ 12.7%
Debt€900,304▼ 0.3%€895,236▼ 0.6%€230,900▼ 74.2%€197,848▼ 14.3%€177,540▼ 10.3%
Working capital-€721,640▼ 10.4%-€757,846▼ 5.0%-€107,857▲ 85.8%-€147,563▼ 36.8%-€165,764▼ 12.3%
Result per fiscal year
Operating resultNet result
-€75,000-€50,000-€25,000€0€25,000Operating result 2021: -€45,813-€45,813Net result 2021: -€57,008-€57,008Operating result 2022: -€18,489-€18,489Net result 2022: -€31,439-€31,439Operating result 2023: €36,026€36,026Net result 2023: €5,090€5,090Operating result 2024: -€20,892-€20,892Net result 2024: -€29,035-€29,035Operating result 2025: -€6,738-€6,738Net result 2025: -€12,238-€12,23820212022202320242025-€40,000-€20,000€0€20,000€40,000Operating result 2023: €36,026€36,000Net result 2023: €5,090€5,090Operating result 2024: -€20,892-€20,900Net result 2024: -€29,035-€29,000Operating result 2025: -€6,738-€6,740Net result 2025: -€12,238-€12,200202320242025
The operating result stays negative: a loss of €6,738 in 2025 against €20,892 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224,429
Fixed assets €222,656 ▼ 12.8%
Current assets €1,774 =
Equity and liabilities €224,429
Equity €46,889 ▼ 20.7%
Debt €177,540 ▼ 10.3%
Debt's share of the balance-sheet total rises from 77.0% to 79.1%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€25,808▲
2024 · €11,655
Cash flow
€20,309▲
2024 · €3,512
Current ratio
0.01▼
2024 · 0.01
Debt to equity
3.79▲
2024 · 3.35
ROE
-26.1%▲
2024 · -49.1%
ROA
-5.5%▲
2024 · -11.3%
Interest coverage
4.69▲
2024 · 1.43
Debt ≤ 1 year
€167,538▲
2024 · €149,336
Debt > 1 year
€10,002▼
2024 · €48,332
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,164 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 10 to 20 years old
  • solvency 10 to 30%
  • a small loss
2.2% went bankrupt
3.0% stopped otherwise
94% still going

A further 0.9% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.

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%.

The companies in ten equal groups, from lowest to highest expected share.
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 2,164 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€256,975€224,429▼
Fixed assets21/28€255,202€222,656▼
Tangible fixed assets22/27€255,202€222,656▼
Land and buildings22€202,894€175,683▼
Plant, machinery and equipment23€52,308€46,972▼
Furniture and vehicles24€0€0=
Current assets29/58€1,773€1,774=
Amounts receivable within one year40/41€773€773=
Trade receivables40€773€773=
Cash at bank and in hand54/58€1,000€1,000▲
Equity and liabilities
Total equity and liabilities10/49€256,975€224,429▼
Equity10/15€59,127€46,889▼
Contributions10/11€83,071€83,071=
Capital10€83,071€83,071=
Issued capital100€83,071€83,071=
Reserves13€255€255=
Non-distributable reserves130/1€255€255=
Legal reserve130€255€255=
Profit (loss) carried forward14-€24,199-€36,437▼
Amounts payable17/49€197,848€177,540▼
Amounts payable after more than one year17€48,332€10,002▼
Financial debts170/4€48,332€10,002▼
Amounts payable within one year42/48€149,336€167,538▲
Current portion of amounts payable after more than one year42€43,349€38,330▼
Trade debts44€13,845€15,318▲
Suppliers440/4€13,845€15,318▲
Other amounts payable47/48€92,143€113,890▲
Accrued charges and deferred income492/3€180-
Income statement Code20242025
Non-recurring operating income76A€1,583€7,742▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32,546€32,546=
Other operating charges640/8€538€551▲
Gross operating margin9900€12,193€26,360▲
Operating profit (loss)9901-€20,892-€6,738▲
Financial charges65/66B€8,143€5,499▼
Recurring financial charges65€8,143€5,499▼
Profit (loss) for the period before taxes9903-€29,035-€12,238▲
Profit (loss) for the period9904-€29,035-€12,238▲
Profit (loss) for the period to be appropriated9905-€29,035-€12,238▲
Appropriation of the result
Profit (loss) to be appropriated9906-€24,199-€36,437▼
Profit (loss) brought forward from the previous period14P€4,836-€24,199▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Operating income70/76A€8,000€35,695----
Turnover70€8,000€21,443----
Other operating income74-€0----
Non-recurring operating income76A-€14,252€11,423€1,583€7,742▲ 389%
Operating charges60/66A€53,813€54,184----
Services and other goods61€15,294€15,913----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37,802€37,803€37,802€32,546€32,546=
Other operating charges640/8€717€469€1,853€538€551▲ 2.5%
Gross operating margin9900--€75,682€12,193€26,360▲ 116%
Operating profit (loss)9901-€45,813-€18,489€36,026-€20,892-€6,738▲ 67.7%
Financial income75/76B--€698---
Recurring financial income75--€698---
Financial charges65/66B€11,195€12,950€31,634€8,143€5,499▼ 32.5%
Recurring financial charges65€11,195€12,950€31,634€8,143€5,499▼ 32.5%
Debt charges650€10,386€12,218----
Other financial charges652/9€809€732----
Profit (loss) for the period before taxes9903-€57,008-€31,439€5,090-€29,035-€12,238▲ 57.9%
Profit (loss) for the period9904-€57,008-€31,439€5,090-€29,035-€12,238▲ 57.9%
Profit (loss) for the period to be appropriated9905-€57,008-€31,439€5,090-€29,035-€12,238▲ 57.9%
Line20212022202320242025Change
Assets
Total assets20/58€364,814€328,307€319,062€256,975€224,429▼ 12.7%
Fixed assets21/28€363,353€325,551€287,749€255,202€222,656▼ 12.8%
Tangible fixed assets22/27€363,353€325,551€287,749€255,202€222,656▼ 12.8%
Land and buildings22€284,525€257,314€230,104€202,894€175,683▼ 13.4%
Plant, machinery and equipment23€68,317€62,981€57,644€52,308€46,972▼ 10.2%
Furniture and vehicles24€10,512€5,256€0€0€0-
Financial fixed assets28-€0----
Affiliated companies280/1-€0----
Amounts receivable281-€0----
Current assets29/58€1,460€2,756€31,313€1,773€1,774=
Amounts receivable within one year40/41€118€2,243€30,297€773€773=
Trade receivables40€118€2,243€4,546€773€773=
Other amounts receivable41-€0€25,751---
Cash at bank and in hand54/58€1,343€341-€1,000€1,000▲ 0.1%
Deferred charges and accrued income490/1-€172€1,017---
Equity and liabilities
Total equity and liabilities10/49€364,814€328,307€319,062€256,975€224,429▼ 12.7%
Equity10/15-€535,490-€566,929€88,162€59,127€46,889▼ 20.7%
Contributions10/11€18,600€18,600€83,071€83,071€83,071=
Capital10--€83,071€83,071€83,071=
Issued capital100--€83,071€83,071€83,071=
Reserves13--€255€255€255=
Non-distributable reserves130/1--€255€255€255=
Legal reserve130--€255€255€255=
Profit (loss) carried forward14-€554,090-€585,529€4,836-€24,199-€36,437▼ 50.6%
Amounts payable17/49€900,304€895,236€230,900€197,848€177,540▼ 10.3%
Amounts payable after more than one year17€177,203€134,633€91,681€48,332€10,002▼ 79.3%
Financial debts170/4€177,203€134,633€91,681€48,332€10,002▼ 79.3%
Credit institutions173€177,203€134,633----
Amounts payable within one year42/48€723,100€760,603€139,171€149,336€167,538▲ 12.2%
Current portion of amounts payable after more than one year42€42,201€41,716€42,952€43,349€38,330▼ 11.6%
Financial debts43--€17---
Credit institutions430/8--€17---
Trade debts44€14,010€18,948€46,201€13,845€15,318▲ 10.6%
Suppliers440/4€14,010€18,948€46,201€13,845€15,318▲ 10.6%
Other amounts payable47/48€666,890€699,939€50,000€92,143€113,890▲ 23.6%
Accrued charges and deferred income492/3-€0€49€180--
Line20212022202320242025Change
Profit (loss) for the period9904-€57,008-€31,439€5,090-€29,035-€12,238▲ 57.9%
+ Depreciation and write-downs630€37,802€37,803€37,802€32,546€32,546=
Operating cash flow (approximation)-€19,206€6,364€42,893€3,512€20,309▲ 478%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash--€1,001--€1-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
23-07
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
11-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Back to profitnet €5,090
Net result €5,090 after 5 loss-making years.
30-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
12-08
NBB filing Annual accounts filed
fiscal year 2021 · full schema · 12 days late
2021
29-07
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
29-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-08
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
25-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-09
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 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
5 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, Wommelgem · 1 establishment unit since 2011
seat establishment The establishment unit on the map
Ground area
1.2 ha
Building footprint
3,169 m²
Volume, LiDAR
22,663 m³
2 parcels, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
30 companies at this address See who is registered here
1 establishment unit
PCLA
Jules Bordetstraat 30, 2018 AntwerpenFinancial service activities, except insurance and pension funding
since 20112.204.166.830
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11052C0166/00N000 Flanders 8,904 m² 1 · 2,714 m² 13.9 m · 3 fl.
11806F1307/00H009
ProtectedMonumentMilitair hospitaalSource ↗
Flanders 2,938 m² 1 · 455 m² -
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Structure & network

Part of the group Teweka 71 companies Group, risk and exposure

Owners and holdings

1 owner

Chain of control

  1. Teweka 99.99%
  2. Hubo België 100%
  3. PCLA

Highest known parent: Teweka. The sources do not say who stands above it.

Owners 1

Holdings 0

The accounts to 31-12-2025 list no holdings, and no other source names one.

According to the 2025 annual accounts of PCLA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPublic limited company
Founded24-06-2011
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0837300436
Also 9925:BE0837300436
Registered 24-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.