PCM
ActivePCM has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €10k. Equity is shrinking by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 53% of 13882 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +33 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+73
Solvency55▼-26
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.39 in 2024), and 66.3% 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.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
33.7%
Return on assets
4.9%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
51 d early
2023
5 d early
2022
1 d early
2021
26 d early
2020
73 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▼ 45.9%
2024 · €132k
2019: €322k
2020: €335k
2021: €329k
2022: €270k
2023: €133k
2024: €132k
2019 → 2025
Total assets
€213k▼ 19.9%
2024 · €265k
2019: €475k
2020: €486k
2021: €475k
2022: €415k
2023: €414k
2024: €265k
2019 → 2025
Net result
€10k
2024 · €-814
2019: €3k
2020: €13k
2021: €-5k
2022: €6k
2023: €4k
2024: €-814
2019 → 2025
Working capital
€11k▼ 78.0%
2024 · €52k
2019: €138k
2020: €174k
2021: €189k
2022: €149k
2023: €33k
2024: €52k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€329k-€270k▼ 18.2%€133k▼ 50.7%€132k▼ 0.6%€72k▼ 45.9%
Operating result€-6k-€8k€6k▼ 16.6%€10k▲ 49.9%€15k▲ 57.3%
Net result€-5k-€6k€4k▼ 30.7%€-814€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 57% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€60k▼ 25.0%
Current assets
€152k▼ 17.8%
Equity and liabilities €213k
Equity
€72k▼ 45.9%
Debt
€141k▲ 5.8%
The debt ratio rises from 50.2% to 66.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€35k▲
2024 · €30k
Cash flow
€30k▲
2024 · €19k
Solvency
33.7%▼
2024 · 49.8%
Current ratio
1.08▼
2024 · 1.39
Quick ratio
1.08▼
2024 · 1.39
Debt / equity
1.97▲
2024 · 1.01
ROE
14.5%▲
2024 · -0.6%
ROA
4.9%▲
2024 · -0.3%
Interest coverage
1051.83▲
2024 · 2.38
Debt
€141k▲
2024 · €133k
Debt ≤ 1 year
€141k▲
2024 · €133k
Income taxes
€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€265k€213k▼
Fixed assets21/28€80k€60k▼
Tangible fixed assets22/27€80k€60k▼
Land and buildings22€80k€60k▼
Current assets29/58€185k€152k▼
Amounts receivable within one year40/41€488€410▼
Other amounts receivable41€488€410▼
Cash at bank and in hand54/58€185k€152k▼
Equity and liabilities
Total equity and liabilities10/49€265k€213k▼
Equity10/15€132k€72k▼
Contributions10/11€13k€13k=
Reserves13€97k€37k▼
Distributable reserves133€97k€37k▼
Profit (loss) carried forward14€22k€22k=
Amounts payable17/49€133k€141k▲
Amounts payable within one year42/48€133k€141k▲
Taxes, remuneration and social security45-€5k
Taxes450/3-€5k
Other amounts payable47/48€133k€136k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k=
Other operating charges640/8€643€596▼
Non-recurring operating charges66A-€94
Gross operating margin9900€30k€36k▲
Operating profit (loss)9901€10k€15k▲
Financial income75/76B€2k€812▼
Recurring financial income75€2k€812▼
Financial charges65/66B€12k€33▼
Recurring financial charges65€12k€33▼
Profit (loss) for the period before taxes9903€-814€16k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-814€10k▲
Profit (loss) for the period to be appropriated9905€-814€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€32k▲
Profit (loss) brought forward from the previous period14P€23k€22k▼
Transfer from equity791/2-€71k
Transfer to equity691/2-€10k
To other reserves6921-€10k
Profit to be distributed694/7-€71k
Return on contributions (dividend)694-€71k
The notes to these accounts (4 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-5k ▼141%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €13k ▲290%
Operating result €21k, net result €13k, both a record.
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Middelkerke · 1 establishment unit since 2007
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.
Duinenlaan 568434 MiddelkerkeGround area
827 m²
Building footprint
166 m²
Volume, LiDAR
1,083 m³
Parcel 35022A0021/00N000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PCM
since 20072.161.402.696
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022A0021/00N000 | Flanders | 827 m² | 1 · 166 m² | 10.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600VKAZ6TU3OU4410
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 5,063 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2007
Fiscal year end30-06
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.