persi
ActiveSummary
persi has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225,180 and a net result of €39,434. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 4565 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability55▼-6
Solvency30=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.12 in 2024; short-term debt: 49% and cash: 0.5% of total assets), and 94.9% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
5.1%
Return on assets
0.9%
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 19% of 4565 sector peers (2025).
NBB · sector comparisonPosition among 4565 sector peers
Solvency
better than 19%
← 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
20 d late
2022
162 d late
2022
4 d late
2021
108 d early
2020
82 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#4 company by total assets in Andenne, Real estate sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€39,434▲ 99.2%
2024 · €19,793
Working capital
-€2.0m▲ 2.4%
2024 · -€2.1m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222022202320242025
Operating result€38,619▼ 75.3%€10,504-€94,361▲ 798%€56,603▼ 40.0%€92,136▲ 62.8%
Net result€37,068▼ 68.7%-€53,130--€15,884▲ 70.1%€19,793€39,434▲ 99.2%
Equity€234,967▲ 18.7%€181,837-€165,953▼ 8.7%€185,746▲ 11.9%€225,180▲ 21.2%
Total assets€2.1m▲ 265%€3.4m-€3.5m▲ 1.8%€4.0m▲ 13.3%€4.4m▲ 12.1%
Debt€1.8m▲ 399%€3.2m-€3.3m▲ 2.4%€3.8m▲ 13.3%€4.2m▲ 11.6%
Working capital-€1.7m▼ 652%-€1.7m--€1.8m▼ 5.3%-€2.1m▼ 14.9%-€2.0m▲ 2.4%
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.4m
Fixed assets
€4.3m ▲ 17.2%
Current assets
€140,850 ▼ 52.2%
Equity and liabilities €4.4m
Equity
€225,180 ▲ 21.2%
Debt
€4.2m ▲ 11.6%
Debt's share of the balance-sheet total falls from 95.3% to 94.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€223,201▲
2024 · €184,903
Cash flow
€170,498▲
2024 · €148,093
Current ratio
0.06▼
2024 · 0.12
Debt to equity
18.68▼
2024 · 20.29
ROE
17.5%▲
2024 · 10.7%
ROA
0.9%▲
2024 · 0.5%
Interest coverage
4.23▼
2024 · 5.02
Debt ≤ 1 year
€2.2m▼
2024 · €2.4m
Debt > 1 year
€2.0m▲
2024 · €1.4m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,490 | €58,183 | €130,951 | €128,300 | €131,065 | ▲ 2.2% |
| Other operating charges640/8 | €5,090 | €7,330 | €11,804 | €144,163 | €37,212 | ▼ 74.2% |
| Gross operating margin9900 | €66,199 | €76,017 | €237,116 | €329,066 | €260,413 | ▼ 20.9% |
| Operating profit (loss)9901 | €38,619 | €10,504 | €94,361 | €56,603 | €92,136 | ▲ 62.8% |
| Financial income75/76B | - | €577 | €77 | €0 | €5 | ▲ 10,600% |
| Recurring financial income75 | - | €577 | €77 | €0 | €5 | ▲ 10,600% |
| Financial charges65/66B | €1,551 | €64,092 | €110,322 | €36,810 | €52,708 | ▲ 43.2% |
| Recurring financial charges65 | €1,551 | €64,092 | €110,322 | €36,810 | €52,708 | ▲ 43.2% |
| Profit (loss) for the period before taxes9903 | €37,068 | -€53,012 | -€15,884 | €19,793 | €39,434 | ▲ 99.2% |
| Income taxes67/77 | - | €118 | €0 | - | - | - |
| Profit (loss) for the period9904 | €37,068 | -€53,130 | -€15,884 | €19,793 | €39,434 | ▲ 99.2% |
| Profit (loss) for the period to be appropriated9905 | €37,068 | -€53,130 | -€15,884 | €19,793 | €39,434 | ▲ 99.2% |
| Line | 2022 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.1m | €3.4m | €3.5m | €4.0m | €4.4m | ▲ 12.1% |
| Fixed assets21/28 | €2.0m | €3.3m | €3.3m | €3.7m | €4.3m | ▲ 17.2% |
| Tangible fixed assets22/27 | €2.0m | €3.3m | €3.3m | €3.7m | €4.3m | ▲ 17.2% |
| Land and buildings22 | €2.0m | €3.3m | €3.3m | €3.3m | €4.2m | ▲ 27.7% |
| Furniture and vehicles24 | - | €5,235 | €3,417 | €1,600 | €0 | ▼ 100% |
| Assets under construction and advance payments27 | - | - | - | €358,800 | €78,794 | ▼ 78.0% |
| Current assets29/58 | €44,159 | €83,564 | €188,218 | €294,693 | €140,850 | ▼ 52.2% |
| Amounts receivable within one year40/41 | €3,666 | €27,300 | €60,296 | €275,146 | €115,689 | ▼ 58.0% |
| Trade receivables40 | - | - | €13,695 | €197,655 | €75,093 | ▼ 62.0% |
| Other amounts receivable41 | €3,666 | €27,300 | €46,601 | €77,491 | €40,596 | ▼ 47.6% |
| Cash at bank and in hand54/58 | €40,026 | €38,464 | €28,662 | €17,638 | €24,097 | ▲ 36.6% |
| Deferred charges and accrued income490/1 | €467 | €17,800 | €99,259 | €1,909 | €1,065 | ▼ 44.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.1m | €3.4m | €3.5m | €4.0m | €4.4m | ▲ 12.1% |
| Equity10/15 | €234,967 | €181,837 | €165,953 | €185,746 | €225,180 | ▲ 21.2% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €6,200 | €6,200 | €6,200 | €6,200 | €163,180 | ▲ 2,532% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | - | - | - | €156,980 | - |
| Profit (loss) carried forward14 | €166,767 | €113,637 | €97,753 | €117,546 | €0 | ▼ 100% |
| Amounts payable17/49 | €1.8m | €3.2m | €3.3m | €3.8m | €4.2m | ▲ 11.6% |
| Amounts payable after more than one year17 | €49,635 | €1.4m | €1.3m | €1.4m | €2.0m | ▲ 45.9% |
| Financial debts170/4 | €49,635 | €1.4m | €1.3m | €1.4m | €2.0m | ▲ 45.9% |
| Amounts payable within one year42/48 | €1.8m | €1.8m | €2.0m | €2.4m | €2.2m | ▼ 8.6% |
| Current portion of amounts payable after more than one year42 | €21,286 | €116,969 | €112,081 | €122,848 | €168,143 | ▲ 36.9% |
| Trade debts44 | €224,197 | €169,026 | €101,328 | €637,134 | €248,163 | ▼ 61.1% |
| Suppliers440/4 | €224,197 | €169,026 | €101,328 | €637,134 | €248,163 | ▼ 61.1% |
| Taxes, remuneration and social security45 | €35,291 | €16,561 | €39,793 | €0 | €16,097 | - |
| Taxes450/3 | €35,291 | €16,561 | €39,793 | €0 | €16,097 | - |
| Other amounts payable47/48 | €1.5m | €1.5m | €1.7m | €1.6m | €1.7m | ▲ 7.7% |
| Accrued charges and deferred income492/3 | - | €11,779 | - | €2,297 | €4,068 | ▲ 77.1% |
| Line | 2022 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37,068 | -€53,130 | -€15,884 | €19,793 | €39,434 | ▲ 99.2% |
| + Depreciation and write-downs630 | €22,490 | €58,183 | €130,951 | €128,300 | €131,065 | ▲ 2.2% |
| Operating cash flow (approximation) | €59,558 | €5,054 | €115,067 | €148,093 | €170,498 | ▲ 15.1% |
| Investment in fixed assets (approximation) | - | - | -€89,232 | -€484,856 | -€761,617 | ▼ 57.1% |
| Change in cash | - | - | -€9,802 | -€11,024 | €6,459 | ▲ 159% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €200,000Eq €225,180 ▲21.2%
2 profitable years in a row build equity to €225,180.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €19,793
Net result €19,793 after 2 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 20 days late
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 162 days late
2022
31-12
Financial
Weakest financial yearnet -€53,130
Net result drops to -€53,130, the lowest in the series; recovery starts the following year.
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 4 days late
31-03
Financial
Equity above €200,000Eq €234,967 ▲18.7%
4 profitable years in a row build equity to €234,967.
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Highest result since 2019net €118,522 ▲187%
Operating result €156,054, net result €118,522, both a record.
31-03
Financial
Equity above €150,000Eq €197,899 ▲149%
3 profitable years in a row build equity to €197,899.
Show earlier events
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 244 days late
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Andenne · 1 establishment unit since 2003
Ground area
1,525 m²
Building footprint
160 m²
Parcel 92410A0058/00E005, Wallonia. Linked by address, not a title deed.
1 establishment unit
PERSI SA
since 20032.133.481.742
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92410A0058/00E005indicative | Wallonia | 1,525 m² | 1 · 160 m² | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,146 companies in sector 68201 we hold annual accounts for 6,770. 4,878 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-07-2003
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
f.ancion2021@gmail.comAndenne
Phone
0471/43.02.11Andenne
Scores and ratios are computed by Checked and are not a credit decision.