PDM ADVICE & MANAGEMENT
ActivePDM ADVICE & MANAGEMENT has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €617k and a net result of €579. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 81% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
75
/ 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
Profitability69▲+3
Solvency94=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.3 in 2024; short-term debt: 18.8% and cash: 1.8% of total assets), and 30.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
69.4%
Return on assets
0.1%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
2 d early
2023
21 d early
2022
2 d early
2021
40 d early
2020
52 d early
2019
14 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€617k▲ 0.1%
2024 · €616k
2018: €530k
2019: €564k
2020: €577k
2021: €585k
2022: €587k
2023: €631k
2024: €616k
2018 → 2025
Total assets
€889k▲ 0.1%
2024 · €887k
2018: €843k
2019: €797k
2020: €939k
2021: €868k
2022: €866k
2023: €899k
2024: €887k
2018 → 2025
Net result
€579
2024 · €-15k
2018: €7k
2019: €34k
2020: €13k
2021: €8k
2022: €2k
2023: €45k
2024: €-15k
2018 → 2025
Working capital
€71k▲ 52.5%
2024 · €47k
2018: €111k
2019: €132k
2020: €60k
2021: €24k
2022: €60k
2023: €49k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€585k-€587k▲ 0.4%€631k▲ 7.6%€616k▼ 2.4%€617k▲ 0.1%
Operating result€10k-€7k▼ 33.5%€53k▲ 677%€-4k€17k
Net result€8k-€2k▼ 72.1%€45k▲ 1,997%€-15k€579
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €889k
Fixed assets
€650k▼ 5.1%
Current assets
€239k▲ 18.1%
Equity and liabilities €889k
Equity
€617k▲ 0.1%
Debt
€272k▲ 0.2%
The debt ratio stays at 30.6%.
Key figures and ratios
EBITDA
€92k▲
2024 · €63k
Cash flow
€76k▲
2024 · €52k
Solvency
69.4%=
2024 · 69.4%
Current ratio
1.43▲
2024 · 1.30
Quick ratio
1.36▲
2024 · 1.21
Debt / equity
0.44▲
2024 · 0.44
ROE
0.1%▲
2024 · -2.5%
ROA
0.1%▲
2024 · -1.7%
Interest coverage
9.35▲
2024 · 5.95
Debt
€272k▲
2024 · €271k
Debt ≤ 1 year
€167k▲
2024 · €155k
Debt > 1 year
€105k▼
2024 · €116k
Income taxes
€7k▲
2024 · €622
Staff costs
€101k▲
2024 · €89k
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€887k€889k▲
Fixed assets21/28€685k€650k▼
Intangible fixed assets21€20k€20k=
Tangible fixed assets22/27€665k€630k▼
Land and buildings22€596k€543k▼
Plant, machinery and equipment23€27k€25k▼
Furniture and vehicles24€42k€61k▲
Financial fixed assets28€422€422=
Current assets29/58€202k€239k▲
Stocks and contracts in progress3€14k€10k▼
Stocks30/36€14k€10k▼
Amounts receivable within one year40/41€80k€138k▲
Trade receivables40€25k€83k▲
Other amounts receivable41€55k€55k=
Current investments50/53€74k€74k=
Cash at bank and in hand54/58€33k€16k▼
Deferred charges and accrued income490/1€741€746▲
Equity and liabilities
Total equity and liabilities10/49€887k€889k▲
Equity10/15€616k€617k▲
Contributions10/11€202k€202k=
Capital10€202k€202k=
Issued capital100€202k€202k=
Reserves13€212k€212k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€56k€56k=
Distributable reserves133€150k€150k=
Profit (loss) carried forward14€202k€203k▲
Amounts payable17/49€271k€272k▲
Amounts payable after more than one year17€116k€105k▼
Financial debts170/4€116k€105k▼
Amounts payable within one year42/48€155k€167k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€9k€20k▲
Suppliers440/4€9k€20k▲
Taxes, remuneration and social security45€17k€12k▼
Taxes450/3€9k€3k▼
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€118k€125k▲
Accrued charges and deferred income492/3€274-
Income statement
Code20242025
Remuneration, social security and pensions62€89k€101k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€75k▲
Other operating charges640/8€15k€15k▲
Gross operating margin9900€166k€208k▲
Operating profit (loss)9901€-4k€17k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€-15k€7k▲
Income taxes67/77€622€7k▲
Profit (loss) for the period9904€-15k€579▲
Profit (loss) for the period to be appropriated9905€-15k€579▲
Appropriation of the result
Profit (loss) to be appropriated9906€202k€203k▲
Profit (loss) brought forward from the previous period14P€217k€202k▼
The notes to these accounts (9 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €579
Net result €579 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-15k ▼135%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €45k ▲1997%
Operating result €53k, net result €45k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Aalst · 1 establishment unit since 2002
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.
Dennenlaan 19320 AalstGround area
3,256 m²
Building footprint
1,801 m²
Volume, LiDAR
9,431 m³
2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dennenlaan 3, 9320 Aalst
since 20022.100.498.673
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41342B1316/00X003 | Flanders | 2,936 m² | 1 · 1,638 m² | 6.5 m · 2 fl. |
| 41342B1316/00W003 | Flanders | 320 m² | 1 · 163 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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COMPTOIR AUTOMOBILE, AGRICOLE ET INDUSTRIEL DE CHIMAY
BE 0429.997.337
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BANDEN RONNIE EN TECHNIEK
BE 0467.529.805
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RAG GENK
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Of 2,442 companies in sector 47820 we hold annual accounts for 776. 450 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-06-2001
Fiscal year end31-12
Activities, NACEBEL
47820Retail sale of motor vehicle parts and accessories
50302
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.