PCT Consulting
ActivePCT Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €103k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 14.42 against 5.58 in 2024; short-term debt: 6.9% and cash: 68% of total assets), and 6.9% 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+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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
93.1%
Return on assets
78.4%
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 11-07-2026, 20 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
20 d early
2024
33 d early
2023
37 d early
2022
3 d early
2021
27 d early
2020
19 d late
← 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
Equity
€122k▼ 18.3%
2024 · €149k
2020: €47k
2021: €81k
2022: €145k
2023: €132k
2024: €149k
2020 → 2025
Total assets
€131k▼ 27.9%
2024 · €182k
2020: €57k
2021: €103k
2022: €173k
2023: €148k
2024: €182k
2020 → 2025
Net result
€103k▲ 3.1%
2024 · €100k
2020: €35k
2021: €34k
2022: €64k
2023: €96k
2024: €100k
2020 → 2025
Working capital
€122k▼ 18.0%
2024 · €149k
2020: €45k
2021: €80k
2022: €144k
2023: €131k
2024: €149k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€145k▲ 79.0%€132k▼ 9.1%€149k▲ 13.1%€122k▼ 18.3%
Operating result€42k-€80k▲ 89.6%€122k▲ 51.3%€134k▲ 10.1%€138k▲ 3.3%
Net result€34k-€64k▲ 89.7%€96k▲ 49.6%€100k▲ 4.1%€103k▲ 3.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €131k
Equity
€122k▼ 18.3%
Debt
€9k▼ 72.0%
The debt ratio falls from 17.9% to 6.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€139k▲
2024 · €134k
Cash flow
€103k▲
2024 · €100k
Solvency
93.1%▲
2024 · 82.1%
Current ratio
14.42▲
2024 · 5.58
Quick ratio
14.42▲
2024 · 5.58
Debt / equity
0.07▼
2024 · 0.22
ROE
84.3%▲
2024 · 66.8%
ROA
78.4%▲
2024 · 54.9%
Interest coverage
606.86▼
2024 · 1273.96
Debt
€9k▼
2024 · €32k
Debt ≤ 1 year
€9k▼
2024 · €32k
Income taxes
€36k▲
2024 · €34k
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€182k€131k▼
Fixed assets21/28€474-
Tangible fixed assets22/27€474-
Furniture and vehicles24€474-
Current assets29/58€181k€131k▼
Amounts receivable within one year40/41€102k€42k▼
Trade receivables40€85k€38k▼
Other amounts receivable41€16k€4k▼
Cash at bank and in hand54/58€80k€89k▲
Deferred charges and accrued income490/1-€82
Equity and liabilities
Total equity and liabilities10/49€182k€131k▼
Equity10/15€149k€122k▼
Contributions10/11€19k€19k=
Reserves13€131k€103k▼
Distributable reserves133€131k€103k▼
Amounts payable17/49€32k€9k▼
Amounts payable within one year42/48€32k€9k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€28k€1k▼
Taxes450/3€28k€1k▼
Other amounts payable47/48€2k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€569€474▼
Other operating charges640/8€628€208▼
Gross operating margin9900€135k€139k▲
Operating profit (loss)9901€134k€138k▲
Financial income75/76B€346€259▼
Recurring financial income75€346€259▼
Financial charges65/66B€106€229▲
Recurring financial charges65€106€229▲
Profit (loss) for the period before taxes9903€134k€138k▲
Income taxes67/77€34k€36k▲
Profit (loss) for the period9904€100k€103k▲
Profit (loss) for the period to be appropriated9905€100k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€100k€103k▲
Transfer from equity791/2€82k€130k▲
Transfer to equity691/2€100k€103k▲
To other reserves6921€100k€103k▲
Profit to be distributed694/7€82k€130k▲
Return on contributions (dividend)694€82k€130k▲
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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €103k ▲3.1%
Operating result €138k, net result €103k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 14.42
Current ratio from 5.58 to 14.42; short-term debt falls from €32k to €9k.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €145k ▲79%
3 profitable years in a row build equity to €145k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €34k ▼3.4%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Koksijde · 1 establishment unit since 2019
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.
Robert Vandammestraat(Kok) 448670 KoksijdeGround area
755 m²
Building footprint
181 m²
Volume, LiDAR
913 m³
Parcel 38014F0749/00E000, Flanders · tallest building 10.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PCT Consulting
since 20192.286.056.210
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014F0749/00E000 | Flanders | 755 m² | 1 · 181 m² | 10.7 m · 1 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. 40,845 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:pplumier@hotmail.com
Phone:0470897827