PEF Binche
ActivePEF Binche has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €14k and a net result of €34k. Equity is shrinking by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 575 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▲+10
Solvency29=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.0 in 2023; short-term debt: 94.4% and cash: 59.9% of total assets), and 96% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
4%
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 24% of 575 sector peers (2024).
NBB · sector comparisonPosition among 575 sector peers
Solvency
better than 24%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €14k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
36 d early
2022
31 d early
2021
11 d early
2020
31 d late
2019
29 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34k▲ 469%
2023 · €6k
2018: €21k
2019: €32k
2020: €52k
2021: €43k
2022: €-2k
2023: €6k
2018 → 2024
Working capital
€7k
2023 · €-221
2018: €25k
2019: €45k
2020: €67k
2021: €-11k
2022: €471
2023: €-221
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€83k-€14k▼ 82.8%€12k▼ 12.6%€14k▲ 14.2%€14k=
Operating result€59k-€55k▼ 7.9%€1k▼ 97.3%€16k▲ 985%€57k▲ 257%
Net result€52k-€43k▼ 16.0%€-2k€6k€34k▲ 469%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 257% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €356k
Fixed assets
€13k▼ 38.3%
Current assets
€343k▲ 10.4%
Equity and liabilities €356k
Equity
€14k=
Debt
€342k▲ 7.7%
The debt ratio rises from 95.7% to 96.0%. Debt is higher.
Key figures and ratios
EBITDA
€65k▲
2023 · €24k
Cash flow
€42k▲
2023 · €14k
Solvency
4.0%▼
2023 · 4.3%
Current ratio
1.02▲
2023 · 1.00
Quick ratio
1.02▲
2023 · 1.00
Debt / equity
23.95▲
2023 · 22.24
ROE
240.8%▲
2023 · 42.4%
ROA
9.7%▲
2023 · 1.8%
Interest coverage
33.21▲
2023 · 11.72
Debt
€342k▲
2023 · €317k
Debt ≤ 1 year
€336k▲
2023 · €311k
Income taxes
€21k▲
2023 · €8k
Staff costs
€2.17M▲
2023 · €1.88M
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€331k€356k▲
Fixed assets21/28€21k€13k▼
Intangible fixed assets21€1k€911▼
Tangible fixed assets22/27€18k€11k▼
Furniture and vehicles24€1k€287▼
Other tangible fixed assets26€17k€11k▼
Financial fixed assets28€1k€1k=
Current assets29/58€311k€343k▲
Amounts receivable within one year40/41€0€9k▲
Trade receivables40€0€711▲
Other amounts receivable41€0€9k▲
Cash at bank and in hand54/58€210k€213k▲
Deferred charges and accrued income490/1€100k€120k▲
Equity and liabilities
Total equity and liabilities10/49€331k€356k▲
Equity10/15€14k€14k=
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€317k€342k▲
Amounts payable within one year42/48€311k€336k▲
Financial debts43€29k€17k▼
Credit institutions430/8€29k€17k▼
Trade debts44€17k€18k▲
Suppliers440/4€17k€18k▲
Taxes, remuneration and social security45€259k€264k▲
Taxes450/3€5k€769▼
Remuneration and social security454/9€254k€264k▲
Other amounts payable47/48€7k€36k▲
Accrued charges and deferred income492/3€6k€6k▼
Income statement
Code20232024
Remuneration, social security and pensions62€1.88M€2.17M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€1.91M€2.23M▲
Operating profit (loss)9901€16k€57k▲
Financial income75/76B€167€518▲
Recurring financial income75€167€518▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€14k€56k▲
Income taxes67/77€8k€21k▲
Profit (loss) for the period9904€6k€34k▲
Profit (loss) for the period to be appropriated9905€6k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€34k▲
Profit (loss) brought forward from the previous period14P€-2k€0▲
Profit to be distributed694/7€4k€34k▲
Return on contributions (dividend)694€4k€34k▲
Social balance
Average headcount (FTE)908760.160.1=
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-2k ▼104%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €52k ▲62.4%
Operating result €59k, net result €52k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Binche · 2 establishment units since 2009
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.
Avenue Charles Deliège(BIN) 337130 BincheGround area
204 m²
Building footprint
92 m²
Volume, LiDAR
663 m³
2 parcels, Wallonia · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Easy-Life.Be
since 20092.181.960.263
Easy-Life.Be
since 20172.260.541.646
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52025A0328/00P014 | Wallonia | 176 m² | 1 · 53 m² | 5.0 m · 1 fl. |
| 56011B0864/00A000 ProtectedMonument |
Wallonia | 28 m² | 1 · 39 m² | 15.1 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 810 companies in sector 96910 we hold annual accounts for 618. 331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2009
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:064/848498
Phone:071/22.84.10