Checked.be
Active
BE 0459.803.259Private limited company (pre-2019)
PERFINCO
· 29 yrs active
Sector: Property management for co-owned buildings (syndics)
(68321)
Conclusion
PERFINCO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show negative equity (€-13k) and a net result of €5k. Equity is shrinking by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 18369 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.5% (low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €-13k |
| Net result | €5k |
| Better than sector | 5% |
| Active | 29 yrs |
Financial profile
40
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
8
Profitability
0
Solvency
33
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1997, 29 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
8
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
25
2018
22
2019
17
2020
25
2021
18
2022
8
2023
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.33 (< 1.0)
-10
Quick ratio
Quick ratio 0.33 (< 0.6)
-5
Equity
Negative equity
-25
Profitability
Negatieve ROE -38%
-10
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview
Annual accounts filed on 22-08-2024 with the NBB · fiscal year 2023 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~29.5%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2023 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -82.1% | 31.2% | |
| Net result | €5k | €4k | |
| Equity | €-13k | €86k | |
| Gross operating margin | €5k | €38k | |
| Total assets | €16k | €436k |
€-724
+79.9%
18-23
€5k
-
18-23
€-24k
-24.7%
18-23
€16k
+45.8%
18-23
€-13k
+27.6%
18-23
€-19k
+23.5%
18-23
€141
-5.7%
18-23
€29k
+0.1%
18-23
€28k
-2.8%
18-23
0.33
+126.1%
18-23
0.33
+126.1%
18-23
-82.1%
+50.4%
18-23
-2.22
-38.2%
18-23
-38.1%
-
18-23
31.3%
-
18-23
Figures by fiscal year and ratios
| Fiscal year | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | - | - | - | - | €-724 |
| Net profit | €5k | €-248 | €-4k | €-33k | €-24k |
| Cash flow | - | - | - | - | €-24k |
| Staff costs | - | - | - | - | - |
| Income taxes | €141 | €150 | €90 | €-645 | €103 |
| Dividends | - | - | - | - | - |
| Total assets | €16k | €11k | €11k | €22k | €28k |
| Equity | €-13k | €-18k | €-18k | €-14k | €-5k |
| Debt | €29k | €29k | €29k | €36k | €34k |
| of which ≤ 1y | €28k | €29k | €29k | €36k | €34k |
| of which > 1y | - | - | - | - | - |
| Working capital | €-19k | €-25k | €-25k | €-21k | €-12k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Current ratio | 0.33 | 0.14 | 0.15 | 0.43 | 0.64 |
| Quick ratio | 0.33 | 0.14 | 0.15 | 0.43 | 0.64 |
| Working capital ratio | -119.2% | -227.2% | -224.9% | -91.8% | -42.0% |
| Solvency | -82.1% | -165.4% | -163.2% | -61.8% | -18.4% |
| Debt / equity | -2.22 | -1.60 | -1.61 | - | - |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | - | - | - | - | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 31.3% | -2.3% | -36.4% | -145.4% | -84.2% |
| ROE | -38.1% | 1.4% | 22.3% | 235.4% | 458.4% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2023
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €16k | €11k | €11k | €22k | €28k |
| Fixed assets | 21/28 | €7k | €7k | €7k | €7k | €7k |
| Financial fixed assets | 28 | €7k | €7k | €7k | €7k | €7k |
| Current assets | 29/58 | €9k | €4k | €4k | €16k | €22k |
| Amounts receivable within one year | 40/41 | €8k | €4k | €4k | €16k | €22k |
| Cash & bank | 54/58 | €2k | - | - | - | - |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €16k | €11k | €11k | €22k | €28k |
| Equity | 10/15 | €-13k | €-18k | €-18k | €-14k | €-5k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | - | €19k |
| Reserves | 13 | €133 | €133 | €133 | €133 | €133 |
| Accumulated profits (losses) | 14 | €-32k | €-37k | €-37k | €-33k | €-24k |
| Amounts payable | 17/49 | €29k | €29k | €29k | €36k | €34k |
| Amounts payable within one year | 42/48 | €28k | €29k | €29k | €36k | €34k |
| Trade debts payable within one year | 44 | €11k | €5k | €3k | €3k | €3k |
| Income statement | ||||||
| Gross operating margin | 9900 | €5k | €-427 | €-2k | €-4k | €4k |
| Operating result | 9901 | €5k | €-427 | €-2k | €-5k | €-814 |
| Financial income | 75 | - | €330 | €677 | €1k | €2k |
| Financial charges | 65 | €99 | - | €2k | €6k | €5k |
| Result before taxes | 9903 | €5k | €-98 | €-4k | €-9k | €-4k |
| Income taxes | 67/77 | €141 | €150 | €90 | €-645 | €103 |
| Net result for the period | 9904 | €5k | €-248 | €-4k | €-9k | €-5k |
| Result to be appropriated | 9905 | €5k | €-248 | €-4k | €-9k | €-5k |
Legal Structure
| NACE primary | Property management for co-owned buildings (syndics)(68321) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 13-01-1997 |
| Status | Active |
| Postal code | - |
Establishment units
PERFINCO
since 19972.079.924.577
Real-estate footprint
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0158/00C005 | Flanders | 5,303 m² | 1 · 3,300 m² | 10.4 m · 1 fl. |
| 11442C0085/00G002 | Flanders | 418 m² | 1 · 173 m² | 10.5 m · 2 fl. |
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.
Updates
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 5 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
21-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 82 days late
21-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 447 days late
16-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 654 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
24-02
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 208 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Property management for co-owned buildings (syndics)68321Real estate activities68322
Names & trade names
| Legal nameNL | PERFINCO |
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