PERSPECTIF
ActiveSummary
PERSPECTIF has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6,010 and a net result of -€3,641. Equity is shrinking by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 11613 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency58▼-6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Six 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
33%
Return on assets
-20%
Age of the figures
21 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€3,641
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
61 d early
2022
48 d early
2021
37 d early
2020
6 d early
2019
1 d early
← 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 30 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€6,010▼ 37.7%
2023 · €9,651
Total assets
€18,233▼ 25.7%
2023 · €24,556
Net result
-€3,641▲ 79.2%
2023 · -€17,501
Working capital
€14,323▲ 76.0%
2023 · €8,137
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
Line20202021202220232024
Operating result€4,454▲ 31.0%-€972€944-€16,283€11,640
Net result-€6,644-€2,184▲ 67.1%-€985▲ 54.9%-€17,501▼ 1,677%-€3,641▲ 79.2%
Equity€30,321▼ 18.0%€28,137▼ 7.2%€27,152▼ 3.5%€9,651▼ 64.5%€6,010▼ 37.7%
Total assets€31,694▼ 27.3%€28,137▼ 11.2%€44,631▲ 58.6%€24,556▼ 45.0%€18,233▼ 25.7%
Debt€1,373▼ 79.3%€17,479€14,905▼ 14.7%€12,223▼ 18.0%
Working capital€30,144▼ 20.1%€8,137€14,323▲ 76.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €11,640 after a loss of €16,283 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €18,233
Fixed assets
€70 ▼ 99.5%
Current assets
€18,163 ▲ 61.5%
Equity and liabilities €18,233
Equity
€6,010 ▼ 37.7%
Debt
€12,223 ▼ 18.0%
Debt's share of the balance-sheet total rises from 60.7% to 67.0%. Equity and debt are lower.
Key figures and ratios
Current ratio
4.73▲
2023 · 3.61
Debt to equity
2.03▲
2023 · 1.54
ROE
-60.6%▲
2023 · -181.3%
ROA
-20.0%▲
2023 · -71.3%
Debt ≤ 1 year
€3,840▲
2023 · €3,112
Debt > 1 year
€8,383▼
2023 · €11,793
Income taxes
€1,686▲
2023 · €251
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €429 | €107 | €6,619 | €6,619 | - | - |
| Other operating charges640/8 | - | €974 | €1,253 | €921 | €236 | ▼ 74.4% |
| Gross operating margin9900 | €5,483 | €109 | €8,816 | -€8,743 | €11,876 | ▲ 236% |
| Operating profit (loss)9901 | €4,454 | -€972 | €944 | -€16,283 | €11,640 | ▲ 171% |
| Financial charges65/66B | - | €145 | €398 | €967 | €13,595 | ▲ 1,306% |
| Recurring financial charges65 | €735 | €145 | €398 | €967 | €358 | ▼ 63.0% |
| Non-recurring financial charges66B | - | - | - | - | €13,237 | - |
| Profit (loss) for the period before taxes9903 | €3,719 | -€1,117 | €546 | -€17,250 | -€1,955 | ▲ 88.7% |
| Income taxes67/77 | €10,363 | €1,067 | €1,531 | €251 | €1,686 | ▲ 572% |
| Profit (loss) for the period9904 | -€6,644 | -€2,184 | -€985 | -€17,501 | -€3,641 | ▲ 79.2% |
| Profit (loss) for the period to be appropriated9905 | -€6,644 | -€2,184 | -€985 | -€17,501 | -€3,641 | ▲ 79.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €31,694 | €28,137 | €44,631 | €24,556 | €18,233 | ▼ 25.7% |
| Fixed assets21/28 | €177 | €70 | €19,926 | €13,307 | €70 | ▼ 99.5% |
| Tangible fixed assets22/27 | €107 | - | €19,856 | €13,237 | - | - |
| Furniture and vehicles24 | - | - | €19,856 | €13,237 | - | - |
| Financial fixed assets28 | €70 | €70 | €70 | €70 | €70 | = |
| Current assets29/58 | €31,517 | €28,067 | €24,705 | €11,249 | €18,163 | ▲ 61.5% |
| Amounts receivable within one year40/41 | €25,806 | €22,352 | €18,048 | €10,552 | €17,181 | ▲ 62.8% |
| Trade receivables40 | - | €7,345 | €7,596 | €6,173 | €16,236 | ▲ 163% |
| Other amounts receivable41 | - | €15,007 | €10,452 | €4,379 | €945 | ▼ 78.4% |
| Current investments50/53 | €5,711 | €5,715 | €6,657 | €697 | - | - |
| Cash at bank and in hand54/58 | - | - | - | - | €982 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €31,694 | €28,137 | €44,631 | €24,556 | €18,233 | ▼ 25.7% |
| Equity10/15 | €30,321 | €28,137 | €27,152 | €9,651 | €6,010 | ▼ 37.7% |
| Contributions10/11 | €6,700 | €6,700 | €6,700 | €6,700 | €6,700 | = |
| Capital10 | - | €6,700 | €6,700 | - | - | - |
| Issued capital100 | - | €18,600 | €18,600 | - | - | - |
| Uncalled capital101 | - | €11,900 | €11,900 | - | - | - |
| Outside capital11 | - | - | - | €6,700 | €6,700 | = |
| Share premium1100/10 | - | - | - | €6,700 | €6,700 | = |
| Reserves13 | €1,450 | €1,450 | €1,450 | €1,450 | €1,450 | = |
| Non-distributable reserves130/1 | - | €1,450 | €1,450 | €1,450 | €1,450 | = |
| Legal reserve130 | - | €1,450 | €1,450 | €1,450 | €1,450 | = |
| Profit (loss) carried forward14 | €22,171 | €19,987 | €19,002 | €1,501 | -€2,140 | ▼ 243% |
| Amounts payable17/49 | €1,373 | - | €17,479 | €14,905 | €12,223 | ▼ 18.0% |
| Amounts payable after more than one year17 | - | - | €17,479 | €11,793 | €8,383 | ▼ 28.9% |
| Financial debts170/4 | - | - | €17,479 | €11,793 | €8,383 | ▼ 28.9% |
| Amounts payable within one year42/48 | €1,373 | - | - | €3,112 | €3,840 | ▲ 23.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €2,988 | €3,840 | ▲ 28.5% |
| Trade debts44 | - | - | - | €124 | - | - |
| Suppliers440/4 | - | - | - | €124 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,644 | -€2,184 | -€985 | -€17,501 | -€3,641 | ▲ 79.2% |
| + Depreciation and write-downs630 | €429 | €107 | €6,619 | €6,619 | - | - |
| Operating cash flow (approximation) | -€6,215 | -€2,077 | €5,634 | -€10,882 | -€3,641 | ▲ 66.5% |
| Investment in fixed assets (approximation) | - | €0 | -€26,475 | €0 | €13,237 | - |
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
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€17,501
Net result drops to -€17,501, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 22.95
Current ratio from 8.18 to 22.95; short-term debt falls from €5,254 to €1,373.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
31-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Pont-à-Celles · 1 establishment unit since 2010
Ground area
1,525 m²
Building footprint
123 m²
Volume, LiDAR
1,218 m³
2 parcels, Wallonia · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Place du Ballon 24, 6040 Charleroi
since 20102.185.273.705
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52363E0228/00B005 | Wallonia | 1,115 m² | 1 · 65 m² | 12.8 m · 4 fl. |
| 52055C0168/00L002 | Wallonia | 411 m² | 1 · 58 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BsArConcept
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LVSafe CONSULTING
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Of 18,252 companies in sector 71111 we hold annual accounts for 6,320. 2,558 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-02-2010
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Scores and ratios are computed by Checked and are not a credit decision.