PDM BOUW
ActiveThe computed 12-month bankruptcy probability of PDM BOUW is 2.8% (moderate). The 2024 annual accounts show equity of €18k and a net result of €12k. Equity is growing by ~152.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 36376 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability62▼-29
Solvency39▼-19
Growth78=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.16 against 1.49 in 2023; short-term debt: 86.2% and cash: 3.4% of total assets), and 86.2% 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.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
13.8%
Return on assets
9.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 36376 sector peers (2024).
NBB · sector comparisonPosition among 36376 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-11-2025, 116 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
116 d late
2023
97 d late
2022
463 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€18k▲ 240%
2023 · €5k
2022: €2k
2023: €5k
2022 → 2024
Total assets
€128k▲ 714%
2023 · €16k
2022: €13k
2023: €16k
2022 → 2024
Net result
€12k▲ 270%
2023 · €3k
2022: €-3k
2023: €3k
2022 → 2024
Working capital
€18k▲ 240%
2023 · €5k
2022: €2k
2023: €5k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€2k-€5k▲ 185%€18k▲ 240%
Operating result€-3k-€3k€17k▲ 386%
Net result€-3k-€3k€12k▲ 270%
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 two years in a row; 2024 is 386% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €128k
Equity
€18k▲ 240%
Debt
€110k▲ 946%
The debt ratio rises from 67.1% to 86.2%. Equity and debt are higher.
Key figures and ratios
Solvency
13.8%▼
2023 · 32.9%
Current ratio
1.16▼
2023 · 1.49
Quick ratio
1.14▼
2023 · 1.26
Debt / equity
6.26▲
2023 · 2.04
ROE
70.6%▲
2023 · 64.9%
ROA
9.7%▼
2023 · 21.4%
Debt
€110k▲
2023 · €11k
Debt ≤ 1 year
€110k▲
2023 · €11k
Income taxes
€4k▲
2023 · €109
Staff costs
€14k▼
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€16k€128k▲
Current assets29/58€16k€128k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€9k€121k▲
Trade receivables40€7k€118k▲
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€4k€4k=
Deferred charges and accrued income490/1€48€50▲
Equity and liabilities
Total equity and liabilities10/49€16k€128k▲
Equity10/15€5k€18k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€166€13k▲
Amounts payable17/49€11k€110k▲
Amounts payable within one year42/48€11k€110k▲
Trade debts44€4k€39k▲
Suppliers440/4€4k€39k▲
Taxes, remuneration and social security45€6k€71k▲
Taxes450/3€109€4k▲
Remuneration and social security454/9€6k€66k▲
Other amounts payable47/48€661€661=
Income statement
Code20232024
Remuneration, social security and pensions62€15k€14k▼
Other operating charges640/8€2k€560▼
Gross operating margin9900€20k€31k▲
Operating profit (loss)9901€3k€17k▲
Financial income75/76B€134-
Recurring financial income75€134-
Financial charges65/66B€128€15▼
Recurring financial charges65€128€15▼
Profit (loss) for the period before taxes9903€3k€17k▲
Income taxes67/77€109€4k▲
Profit (loss) for the period9904€3k€12k▲
Profit (loss) for the period to be appropriated9905€3k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€166€13k▲
Profit (loss) brought forward from the previous period14P€-3k€166▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 116 days late
2024
31-12
Financial
Highest result since 2022net €12k ▲270%
Operating result €17k, net result €12k, both a record.
05-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 97 days late
05-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 463 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
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, Sint-Truiden · 1 establishment unit since 2022
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.
Luikersteenweg 4493800 Sint-TruidenGround area
896 m²
Building footprint
160 m²
Volume, LiDAR
1,072 m³
Parcel 71014B0237/00P000, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PDM BOUW
since 20222.330.319.387
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71014B0237/00P000 | Flanders | 896 m² | 1 · 160 m² | 10.9 m · 3 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.
Similar companies · same sector, comparable size
SAK CONSTRUCT
BE 0632.562.734
Brussel · Eq €18k
BOUWWERKEN MARNICK BAETENS
BE 0781.746.061
Geraardsbergen · Eq €18k
CCF BUILDING SOLUTIONS
BE 0799.598.516
Ganshoren · Eq €18k
TG CONSTRUCT
BE 0637.806.672
Sint-Agatha-Berchem · Eq €18k
DS-Echafaudages
BE 0751.867.289
Sint-Agatha-Berchem · Eq €17k
Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 5,037 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2022
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
77221Rental and leasing activities
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.