PERSPECTIEF · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

For the legal form of PERSPECTIEF, Checked does not compute a bankruptcy probability. The 2024 annual accounts show equity of €654k and a net result of €32k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 187 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 187 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

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.

How we compute the deadline

The year end is derived from 7 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	28-08-2026	28 d late	2026-00442675
31-12-2024	31-07-2025	30-09-2025	61 d late	2025-00515343
31-12-2023	31-07-2024	30-09-2024	61 d late	2024-00481901
31-12-2022	31-07-2023	30-06-2023	31 d early	2023-00186728
31-12-2021	31-07-2022	20-05-2022	72 d early	2022-20032623
31-12-2020	31-07-2021	25-05-2021	67 d early	2021-15400266
31-12-2019	31-07-2020	03-11-2020	95 d late	2020-68200473

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2017, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

For this legal form (e.g. co-owners' association, public body or foreign branch) we don't show a bankruptcy probability: some of these forms legally cannot go bankrupt and no reliable figure is possible here.

Financials

Turnover€271k

EBIT margin32.4%

Net result€32k-81.1%

Working capital€695k+1.2%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 28-08-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Gross margin: growth of ~8.9%/year over 6 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 88 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	76.7%	34.7%	better than 95% of 187 sector peers
Net result	€32k	€18k	better than 63% of 187 sector peers
Equity	€654k	€34k	better than 95% of 187 sector peers
Gross operating margin	€429k	€170k	better than 79% of 186 sector peers
Staff costs	€392k	€170k	higher than 80% of 154 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Stable position over 2021-2024 · n=59-187

Net result P63

Improving position over 2021-2024 · n=58-187

Equity P95

Stable position over 2021-2024 · n=59-187

Gross operating margin P79

Improving position over 2021-2024 · n=60-186

Describes the position versus peers, not a forecast.

Revenue

€271k

- 19-24

EBITDA

€50k

-73.3% 19-24

Net profit

€32k

-81.1% 19-24

Cash flow

€50k

-73.3% 19-24

Total assets

€853k

+10.1% 19-24

Equity

€654k

+5.2% 19-24

Working capital

€695k

+1.2% 19-24

Employees (FTE)

4

+24.1% 19-24

Show 13 other metrics

Staff costs

€392k

+42.1% 19-24

Income taxes

€-91

- 19-24

Debt

€115k

+119.9% 19-24

Debt ≤ 1y

€81k

+108.0% 19-24

Current ratio

9.57

-48.6% 19-24

Quick ratio

9.57

-48.6% 19-24

Solvency

76.7%

-4.4% 19-24

Debt / equity

0.18

+109.0% 19-24

ROE

4.9%

-82.0% 19-24

ROA

3.8%

-82.8% 19-24

Net margin

131.0%

- 19-24

EBITDA margin

34.4%

- 19-24

Interest coverage

149.46

+5.9% 19-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€50k
Net profit	€32k
Cash flow	€50k
Staff costs	€392k
Income taxes	-
Dividends	-
Total assets	€853k
Equity	€654k
Debt	€115k
of which ≤ 1y	€81k
of which > 1y	-
Working capital	€695k
Employees (FTE)	3.6

Ratios (computed)

	2024
Current ratio	9.57
Quick ratio	9.57
Working capital ratio	81.4%
Solvency	76.7%
Debt / equity	0.18
Long-term debt ratio	-
Interest coverage	149.46
Gross margin	-
Net margin	-
ROA	3.8%
ROE	4.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €77k · 9.0% Current assets €776k · 91.0%

Equity & liabilities

Equity €654k · 76.7% Provisions €83k · 9.8% Debt €115k · 13.5%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€853k
Fixed assets	21/28	€77k
Tangible fixed assets	22/27	€73k
Financial fixed assets	28	€4k
Current assets	29/58	€776k
Amounts receivable within one year	40/41	€35k
Cash & bank	54/58	€672k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€853k
Equity	10/15	€654k
Reserves	13	€20k
Accumulated profits (losses)	14	€634k
Provisions & deferred taxes	16	€83k
Amounts payable	17/49	€115k
Amounts payable within one year	42/48	€81k
Trade debts payable within one year	44	€22k
Income statement
Gross operating margin	9900	€429k
Operating result	9901	€33k
Financial income	75	€147
Financial charges	65	€333
Result before taxes	9903	€32k
Net result for the period	9904	€32k
Result to be appropriated	9905	€32k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

4 directors

5 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Historic, not recently confirmed (4)

These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.

Dumarey Anthony
Director
State Gazette act 20038355 (10-03-2020)

Not recently confirmed
last confirmed in an act from 2020
Lesaffre Martine
Director
State Gazette act 20038355 (10-03-2020)

Not recently confirmed
last confirmed in an act from 2020
Vanhecke Wouter
Director
State Gazette act 20038355 (10-03-2020)

Not recently confirmed
last confirmed in an act from 2020
Verkeyn Charlotte
Director
State Gazette act 20038355 (10-03-2020)

Not recently confirmed
last confirmed in an act from 2020

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Algemeen welzijnswerk zonder huisvesting(88994)
Legal form	Projectvereniging(415)
Incorporation	01-11-2017
Status	Active
Postal code	8400

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

Perspectief

Stuiverstraat 401, 8400 OostendeAlgemeen welzijnswerk zonder huisvesting

since 20182.271.392.481

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area5,182 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)