PERSE
ActiveSummary
The computed 12-month bankruptcy probability of PERSE is 1.7% (moderate). The 2025 annual accounts show equity of €127k and a net result of €73k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 2179 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+32
Solvency37▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.1 in 2024; short-term debt: 86.2% and cash: 4.8% of total assets), and 87.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
12.2%
Return on assets
7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 2179 sector peers (2025).
NBB · sector comparisonPosition among 2179 sector peers
Solvency
better than 21%
← 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 29-06-2026, 32 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
32 d early
2024
2 d early
2023
58 d early
2022
6 d early
2021
37 d early
2020
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€127k▼ 10.8%
2024 · €143k
2020: €13k
2021: €18k
2022: €156k
2023: €114k
2024: €143k
2020 → 2025
Total assets
€1.04M▼ 23.5%
2024 · €1.36M
2020: €135k
2021: €271k
2022: €635k
2023: €1.22M
2024: €1.36M
2020 → 2025
Net result
€73k▲ 15.6%
2024 · €63k
2020: €-7k
2021: €5k
2022: €137k
2023: €66k
2024: €63k
2020 → 2025
Working capital
€112k▼ 10.2%
2024 · €125k
2020: €13k
2021: €18k
2022: €152k
2023: €93k
2024: €125k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€156k▲ 746%€114k▼ 26.9%€143k▲ 25.4%€127k▼ 10.8%
Operating result€9k-€181k▲ 1,901%€117k▼ 35.5%€131k▲ 11.9%€114k▼ 13.1%
Net result€5k-€137k▲ 2,596%€66k▼ 51.7%€63k▼ 5.2%€73k▲ 15.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€32k ▼ 27.7%
Current assets
€1.01M ▼ 23.3%
Equity and liabilities €1.04M
Equity
€127k ▼ 10.8%
Debt
€915k ▼ 25.0%
Debt's share of the balance-sheet total falls from 89.5% to 87.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€126k▼
2024 · €143k
Cash flow
€85k▲
2024 · €75k
Current ratio
1.12▲
2024 · 1.10
Quick ratio
0.09▼
2024 · 0.21
Debt to equity
7.19▼
2024 · 8.54
ROE
57.0%▲
2024 · 44.0%
ROA
7.0%▲
2024 · 4.6%
Interest coverage
7.34▲
2024 · 2.51
Debt ≤ 1 year
€898k▼
2024 · €1.19M
Debt > 1 year
€16k▼
2024 · €26k
Income taxes
€26k▲
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.36M€1.04M▼
Fixed assets21/28€44k€32k▼
Tangible fixed assets22/27€44k€32k▼
Furniture and vehicles24€44k€32k▼
Current assets29/58€1.32M€1.01M▼
Stocks and contracts in progress3€1.07M€927k▼
Stocks30/36€1.07M€927k▼
Amounts receivable within one year40/41€24k€29k▲
Other amounts receivable41€24k€29k▲
Cash at bank and in hand54/58€223k€50k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€1.36M€1.04M▼
Equity10/15€143k€127k▼
Contributions10/11€20k€20k=
Reserves13€123k€107k▼
Distributable reserves133€123k€107k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€1.22M€915k▼
Amounts payable after more than one year17€26k€16k▼
Financial debts170/4€26k€16k▼
Amounts payable within one year42/48€1.19M€898k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43€352k€123k▼
Credit institutions430/8€352k€123k▼
Trade debts44€155k€225k▲
Suppliers440/4€155k€225k▲
Taxes, remuneration and social security45€33k€10k▼
Taxes450/3€33k€10k▼
Other amounts payable47/48€643k€531k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€3k€2k▼
Gross operating margin9900€146k€128k▼
Operating profit (loss)9901€131k€114k▼
Financial income75/76B€12k€2k▼
Recurring financial income75€12k€2k▼
Financial charges65/66B€57k€17k▼
Recurring financial charges65€57k€17k▼
Profit (loss) for the period before taxes9903€86k€99k▲
Income taxes67/77€24k€26k▲
Profit (loss) for the period9904€63k€73k▲
Profit (loss) for the period to be appropriated9905€63k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€73k▲
Transfer from equity791/2-€88k
Transfer to equity691/2€29k€73k▲
To other reserves6921€29k€73k▲
Profit to be distributed694/7€34k€88k▲
Return on contributions (dividend)694€34k€88k▲
Social balance
Average headcount (FTE)9087-0.0
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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €137k ▲2596%
Operating result €181k, net result €137k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲746%
2 profitable years in a row build equity to €156k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kruisem · 1 establishment unit since 2019
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.
Lindeknokstraat (Nok) 39771 KruisemGround area
3,556 m²
Building footprint
411 m²
Volume, LiDAR
1,808 m³
Parcel 45031A0091/00E000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PERSE
since 20192.296.106.596
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45031A0091/00E000 | Flanders | 3,556 m² | 1 · 411 m² | 7.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
BUILD ECO
BE 0654.880.553
Elsene · Eq €127,213
BUILD RENOV CONCEPT
BE 0515.957.351
Wemmel · Eq €127,235
BOUWONDERNEMING CORDIER
BE 0480.075.170
Ternat · Eq €127,235
URBAVENIR
BE 0450.603.602
Dinant · Eq €127,203
Masterénovation
BE 1004.684.725
Zaventem · Eq €127,239
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,885 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.