PERMIGANAU
ActiveThe computed 12-month bankruptcy probability of PERMIGANAU is 1.6% (moderate). The 2025 annual accounts show equity of €2k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 638 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency8▼-8
Growth58▲+6
Stability94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82 against 1.1 in 2024), and 98.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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 2025Solvency, return and age of the figures
Solvency
1.3%
Return on assets
-2.1%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€3k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 638 sector peers (2025).
NBB · sector comparisonPosition among 638 sector peers
Solvency
better than 20%
← weakest
strongest →
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 15-05-2026, 77 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
77 d early
2024
37 d early
2023
28 d early
2022
32 d early
2021
33 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€41k
EBIT margin
-38.2%
Net result
€-3k▲ 89.8%
2024 · €-29k
2021: €-16k
2022: €16k
2023: €20k
2024: €-29k
2021 → 2025
Working capital
€-24k
2024 · €10k
2021: €-10k
2022: €-388
2023: €37k
2024: €10k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€41k-
Equity€4k-€20k▲ 348%€34k▲ 69.6%€5k▼ 85.7%€2k▼ 61.0%
Operating result€-16k-€17k€26k▲ 55.9%€-27k€-974▲ 96.4%
Net result€-16k-€16k€20k▲ 28.1%€-29k€-3k▲ 89.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €974 in 2025 against €27k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€36k▲ 0.7%
Current assets
€109k▼ 0.1%
Equity and liabilities €145k
Equity
€2k▼ 61.0%
Debt
€143k▲ 2.2%
The debt ratio rises from 96.6% to 98.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€7k▲
2024 · €-16k
Cash flow
€5k▲
2024 · €-18k
Solvency
1.3%▼
2024 · 3.4%
Current ratio
0.82▼
2024 · 1.10
Quick ratio
0.78▼
2024 · 1.02
Debt / equity
75.21▲
2024 · 28.68
ROE
-156.5%▲
2024 · -598.4%
ROA
-2.1%▲
2024 · -20.2%
Interest coverage
4.50▲
2024 · -10.67
Debt
€143k▲
2024 · €140k
Debt ≤ 1 year
€132k▲
2024 · €99k
Debt > 1 year
€10k▼
2024 · €22k
Income taxes
€534▲
2024 · €272
Staff costs
€100k▲
2024 · €64k
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€144k€145k▲
Fixed assets21/28€36k€36k▲
Intangible fixed assets21€2k€3k▲
Tangible fixed assets22/27€33k€29k▼
Plant, machinery and equipment23€19k€17k▼
Furniture and vehicles24€13k€12k▼
Financial fixed assets28€910€5k▲
Current assets29/58€109k€109k▼
Stocks and contracts in progress3€8k€5k▼
Stocks30/36€8k€5k▼
Amounts receivable within one year40/41€36k€74k▲
Trade receivables40€26k€65k▲
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€39k€16k▼
Deferred charges and accrued income490/1€26k€13k▼
Equity and liabilities
Total equity and liabilities10/49€144k€145k▲
Equity10/15€5k€2k▼
Contributions10/11€21k€21k=
Profit (loss) carried forward14€-16k€-19k▼
Amounts payable17/49€140k€143k▲
Amounts payable after more than one year17€22k€10k▼
Financial debts170/4€22k€10k▼
Amounts payable within one year42/48€99k€132k▲
Current portion of amounts payable after more than one year42€12k€8k▼
Trade debts44€79k€104k▲
Suppliers440/4€79k€104k▲
Taxes, remuneration and social security45€3k€16k▲
Taxes450/3€851€2k▲
Remuneration and social security454/9€2k€14k▲
Other amounts payable47/48€4k€4k▼
Accrued charges and deferred income492/3€19k-
Income statement
Code20242025
Remuneration, social security and pensions62€64k€100k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€8k▼
Other operating charges640/8€1k€5k▲
Gross operating margin9900€48k€112k▲
Operating profit (loss)9901€-27k€-974▲
Financial income75/76B€8€113▲
Recurring financial income75€8€113▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-29k€-2k▲
Income taxes67/77€272€534▲
Profit (loss) for the period9904€-29k€-3k▲
Profit (loss) for the period to be appropriated9905€-29k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-19k▼
Profit (loss) brought forward from the previous period14P€13k€-16k▼
The notes to these accounts (15 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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-29k ▼246%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €20k ▲28.1%
Operating result €26k, net result €20k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Jemeppe-sur-Sambre · 2 establishment units since 2021
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.
Rue Boulanger-Duhayon 95190 Jemeppe-sur-SambreGround area
1,230 m²
Building footprint
245 m²
Volume, LiDAR
1,088 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
PERMIGANAU
since 20212.318.509.737
PERMIGANAU
since 20242.357.410.992
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92068E0269/00G005 | Wallonia | 749 m² | 1 · 50 m² | 10.9 m · 3 fl. |
| 92119B0040/00N000 | Wallonia | 481 m² | 1 · 195 m² | 5.1 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.
Similar companies · same sector, comparable size
OCULOPLAST
BE 0688.922.704
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Odontolia Lab
BE 0686.784.942
Gembloux · Eq €2k
ORTHOPEDIE FAES
BE 0469.889.477
Diest · Eq €2k
LE PUIL - DELIEGE
BE 0784.456.519
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TIHON & CIE
BE 0438.663.197
Etterbeek · Eq €2k
Of 1,244 companies in sector 32500 we hold annual accounts for 691. 72 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-2021
Fiscal year end31-12
Activities, NACEBEL
32500Manufacture of medical and dental instruments and supplies
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
13300Finishing of textiles
46460Wholesale of pharmaceutical and medical goods
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.