PERMIS4U

Active

Private limited companyfounded 201412 yrs activeEmile Bockstaellaan 264-266, 1020 Brussel, BelgiumKBO/BCE: BE 0563.495.566

Summary

PERMIS4U has been active since 2014 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2024 annual accounts show equity of €21,990 and a net result of -€101. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 2548 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch Report Compare

PERMIS4UActiveChecked score 56/100

Risk analysis Report Compare

Activity

Driving schools for cars and motorcycles

NACE 85531

1 site

Size

€34,978total assets 2024

Equity: €21,990
Loss: -€101

Turnover not published (abridged schema)

Financial health

56 Fair Checked score 2024

Bankruptcy chance 12 m: 0.9%

Structure

Accounts 64 d overdue0 of 3 deeds read

Why 56Capped at 59: a confirmed filing finding- 1 financial year not filed after the legal deadline; latest accounts 106 days late; 3 of the last 3 late- Figures for FY 2024 (filed 16-11-2025)+ Sector Education (NACE 85)+ Liquidity: current ratio 2.69, cash €12,297Show the evidence

Checked score

Score 2024

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 51% of its sector peers (NACE 85, micro)

Performance against the sector, not lower risk

A confirmed filing finding caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2020

Strong

Solvency 88-2

equity 62.9% of total assets

Liquidity 77-8

short-term debt 37.1% · cash 35.2%

Profitability 37+10

return on assets -0.3%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,739 companies)

Last 24 months 11-2024: 2.4% 12-2024: 2.4%● 0.0% vs 11-2024 01-2025: 2.4%▼ -1.4% vs 12-2024 02-2025: 2.4%● 0.0% vs 01-2025 03-2025: 2.4%● 0.0% vs 02-2025 04-2025: 2.4%● 0.0% vs 03-2025 05-2025: 2.3%▼ -4.8% vs 04-2025 06-2025: 2.3%● 0.0% vs 05-2025 07-2025: 2.3%● 0.0% vs 06-2025 08-2025: 2.3%● 0.0% vs 07-2025 09-2025: 2.2%▼ -1.8% vs 08-2025 10-2025: 4.2%▲ +85.8% vs 09-2025highest value 11-2025: 4.0%▼ -3.3% vs 10-2025 12-2025: 0.5%▼ -87.9% vs 11-2025 01-2026: 0.5%▼ -3.1% vs 12-2025 02-2026: 0.5%▼ -1.7% vs 01-2026 03-2026: 0.5%▲ +1.9% vs 02-2026 04-2026: 0.5%▲ +1.3% vs 03-2026 05-2026: 0.5%▼ -1.7% vs 04-2026 06-2026: 0.4%▼ -5.1% vs 05-2026lowest value 07-2026: 0.5%▲ +11.2% vs 06-2026 08-2026: 0.6%▲ +20.3% vs 07-2026 09-2026: 0.6%▲ +3.2% vs 08-2026 10-2026: 0.9%▲ +42.1% vs 09-2026

Sector Education (NACE 85) lowers the probability
1 financial year not filed after the legal deadline; latest accounts 106 days late; 3 of the last 3 late raises the probability
Liquidity: current ratio 2.69, cash €12,297 lowers the probability
Figures for FY 2024 (filed 16-11-2025) raises the probability

Credit up to €1,000 at 30 days only on tighter terms

Liquidity ample (current ratio 2.69 against 2.89 in 2020; short-term debt: 37.1% and cash: 35.2% of total assets), and 37.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 85, micro). Better than this share of them on solvency 64%, liquidity 67%, profitability 24%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk

Sector Education (NACE 85)

In the bankruptcy model this factor lowers the probability.

KBO

1 financial year not filed after the legal deadline; latest accounts 106 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 2.69, cash €12,297

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Figures for FY 2024 (filed 16-11-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

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 14-11-2025, 106 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 · 7 filings

Deviation from the deadline

2025

not confirmed

2024

106 d late

2020

151 d late

2019

224 d late

2018

63 d late

2017

57 d late

2016

58 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 110 days after the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.

Administrative warnings in the KBO publications

1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.

KBO publications

Publications

Late accounts filing