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Personal Systems Advisors

Active
Private limited company (pre-2019)founded 1992active for 34 yearsLindedreef 7, 2980 Zoersel, BelgiumKBO/BCE: BE 0447.206.820
Summary

Personal Systems Advisors has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€36,282) and a net result of -€1,587. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 22,679 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Risk analysisFollow ReportCompare
Personal Systems AdvisorsActiveChecked score 54/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of information and communication equipment
NACE 47400
1 site
Size
≈ €44,000turnover 2025, estimated
Equity
-€36,282
Loss
-€1,587
Turnover estimated from the gross margin
Financial health
54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.4%
Structure
2025 accounts filed 39 days late2 of 3 deeds summarised
Why 54raises riskCapped at 59: negative equitySector: Retail trade (NACE 47)Loss of €1,587, the second in a row (financial year 2025)Negative equity -€36,282lowers riskSize: total assets €7,532Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 29% of its sector peers (NACE 47, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -481.7% of total assets
Liquidity 45+25
short-term debt 581.7% · cash 35.6%
Profitability 50+50
return on assets -21.1%
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,268 companies, NACE 47, micro)
Last 24 months 11-2024: 9.1% 12-2024: 9.1%● unchanged vs 11-2024 01-2025: 9.1%● unchanged vs 12-2024 02-2025: 9.1%● unchanged vs 01-2025 03-2025: 9.1%● unchanged vs 02-2025 04-2025: 9.2%▲ +0.1 percentage points vs 03-2025 05-2025: 9.2%● unchanged vs 04-2025 06-2025: 9.1%▼ -0.1 percentage points vs 05-2025 07-2025: 9.7%▲ +0.6 percentage points vs 06-2025 08-2025: 10.2%▲ +0.5 percentage points vs 07-2025 09-2025: 10.8%▲ +0.6 percentage points vs 08-2025highest value 10-2025: 7.6%▼ -3.2 percentage points vs 09-2025 11-2025: 3.3%▼ -4.3 percentage points vs 10-2025 12-2025: 3.3%● unchanged vs 11-2025 01-2026: 3.3%● unchanged vs 12-2025 02-2026: 3.3%● unchanged vs 01-2026 03-2026: 3.3%● unchanged vs 02-2026 04-2026: 3.3%● unchanged vs 03-2026 05-2026: 3.3%● unchanged vs 04-2026 06-2026: 3.3%● unchanged vs 05-2026 07-2026: 3.8%▲ +0.5 percentage points vs 06-2026 08-2026: 4.2%▲ +0.4 percentage points vs 07-2026 09-2026: 4.3%▲ +0.1 percentage points vs 08-2026 10-2026: 1.4%▼ -2.9 percentage points vs 09-2026lowest value
No credit on open account
Liquidity insufficient (current ratio 0.08, compared with 0.04 in 2024, below 1; short-term debt: 581.7% and cash: 35.6% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 6% on solvency, 43% on liquidity, 36% on profitability and 32% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
lowers risk · Size: total assets €7,532
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Loss of €1,587, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€36,282
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€36,282
raises risk · 2025 accounts filed 39 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
39 days late
2024
56 days late
2023
30 days late
2022
31 days late
2021
29 days late
2020
30 days late
2019
60 days late
← 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 39 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Registered officeRegistered-office move

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€36,282 View
  • Risk: 3 loss-making years in a rowloss financial year 2025 -€1,587 View
  • Caution: Among the weakest 5% on solvencysector median 33.2% · 22,679 companies -481.7% View

By topic

Financials

Financial year
2025
Total assets
€7,532
Loss
-€1,587
Solvency
-481.7%
Total assets▼ 38.1%
Net result
20182025
Go to Financials

Timeline

Events
38
Since
1994
Next accounts
by 31-07-2027
  1. 30-08-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 26-10-2023Registered office
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Retail sale of information and communication equipmentNACE 47400
Founded
21-04-1992
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about Personal Systems Advisors

What is the company number of Personal Systems Advisors?
0447.206.820. In Belgium the VAT number is the company number with BE in front: BE 0447.206.820.
Where is Personal Systems Advisors based?
The registered office is at Lindedreef 7, 2980 Zoersel.Company details
What does Personal Systems Advisors do?
According to the KBO register, the main activity is retail sale of information and communication equipment (NACE 47400).
What is the legal form of Personal Systems Advisors?
Private limited company (pre-2019) (BVBA).
When was Personal Systems Advisors founded?
On 21-04-1992.
Is Personal Systems Advisors still active?
Yes, Personal Systems Advisors is an active enterprise in the KBO register.
What is the turnover of Personal Systems Advisors?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Personal Systems Advisors profitable?
In financial year 2025, Personal Systems Advisors made a loss of €1,587.
Where can I find the annual accounts of Personal Systems Advisors?
Personal Systems Advisors filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Personal Systems Advisors due?
By 31-07-2027, for financial year 2026.Timeline

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