PER-SÉ
ActivePER-SÉ has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €3k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 34% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-11
Solvency60▼-7
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.99 against 1.51 in 2024; short-term debt: 42.2% and cash: 24.5% of total assets), and 64.5% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
35.5%
Return on assets
1.2%
Age of the figures
15 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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
42 d early
2023
29 d early
2022
27 d early
2021
33 d early
2020
2 d early
2019
on the day
← 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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▼ 30.9%
2024 · €128k
2019: €114k
2020: €132k
2021: €148k
2022: €154k
2023: €120k
2024: €128k
2019 → 2025
Total assets
€250k▼ 17.7%
2024 · €304k
2019: €331k
2020: €319k
2021: €322k
2022: €312k
2023: €281k
2024: €304k
2019 → 2025
Net result
€3k▼ 90.2%
2024 · €30k
2019: €-3k
2020: €18k
2021: €18k
2022: €21k
2023: €-13k
2024: €30k
2019 → 2025
Working capital
€-866
2024 · €48k
2019: €65k
2020: €83k
2021: €95k
2022: €89k
2023: €54k
2024: €48k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€148k-€154k▲ 3.6%€120k▼ 22.0%€128k▲ 7.1%€89k▼ 30.9%
Operating result€28k-€32k▲ 13.2%€-10k€45k€11k▼ 74.7%
Net result€18k-€21k▲ 16.4%€-13k€30k€3k▼ 90.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€145k▼ 9.0%
Current assets
€105k▼ 27.3%
Equity and liabilities €250k
Equity
€89k▼ 30.9%
Debt
€161k▼ 8.0%
The debt ratio rises from 57.7% to 64.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €62k
Cash flow
€24k▼
2024 · €48k
Solvency
35.5%▼
2024 · 42.3%
Current ratio
0.99▼
2024 · 1.51
Quick ratio
0.99▼
2024 · 1.51
Debt / equity
1.82▲
2024 · 1.37
ROE
3.4%▼
2024 · 23.6%
ROA
1.2%▼
2024 · 10.0%
Interest coverage
6.40▼
2024 · 14.50
Debt
€161k▼
2024 · €175k
Debt ≤ 1 year
€106k▲
2024 · €96k
Debt > 1 year
€54k▼
2024 · €79k
Income taxes
€3k▼
2024 · €10k
Staff costs
€79k▲
2024 · €53k
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€304k€250k▼
Fixed assets21/28€160k€145k▼
Tangible fixed assets22/27€160k€145k▼
Land and buildings22€130k€117k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€6k€10k▲
Leasing and similar rights25€21k€16k▼
Current assets29/58€144k€105k▼
Amounts receivable within one year40/41€89k€42k▼
Trade receivables40€89k€41k▼
Other amounts receivable41-€2k
Current investments50/53€69-
Cash at bank and in hand54/58€53k€61k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€304k€250k▼
Equity10/15€128k€89k▼
Contributions10/11€6k€6k=
Reserves13€122k€82k▼
Distributable reserves133€122k€82k▼
Amounts payable17/49€175k€161k▼
Amounts payable after more than one year17€79k€54k▼
Financial debts170/4€79k€54k▼
Amounts payable within one year42/48€96k€106k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Trade debts44€19k€5k▼
Suppliers440/4€19k€5k▼
Taxes, remuneration and social security45€24k€24k▼
Taxes450/3€15k€14k▼
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€28k€52k▲
Accrued charges and deferred income492/3€304€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€53k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€21k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€120k€116k▼
Operating profit (loss)9901€45k€11k▼
Financial income75/76B€21€42▲
Recurring financial income75€21€42▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€41k€6k▼
Income taxes67/77€10k€3k▼
Profit (loss) for the period9904€30k€3k▼
Profit (loss) for the period to be appropriated9905€30k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€3k▼
Transfer from equity791/2€17k€43k▲
Transfer to equity691/2€25k€3k▼
To other reserves6921€25k€3k▼
Profit to be distributed694/7€22k€43k▲
Return on contributions (dividend)694€17k€43k▲
Directors or managers695€5k-
The notes to these accounts (13 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-13k ▼160%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €150kEq €154k ▲3.6%
3 profitable years in a row build equity to €154k.
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-12
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
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, Kuurne · 1 establishment unit since 2010
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.
Stokerijstraat 1198520 KuurneGround area
2,330 m²
Building footprint
577 m²
Volume, LiDAR
1,871 m³
2 parcels, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PER-SÉ
since 20102.191.556.038
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023B0145/00H000 | Flanders | 1,318 m² | 1 · 156 m² | 8.4 m · 2 fl. |
| 34023B0145/00K000 | Flanders | 1,012 m² | 1 · 421 m² | 3.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 2 entries · 1,297 EUR awarded · 1,297 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,297 EUR | 1,297 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2010
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.