PERSPECTIVE BUILD
ActiveSummary
PERSPECTIVE BUILD has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €535,429 and a net result of €84,357. Equity is growing by ~42.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 9527 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability42▼-55
Solvency53▼-7
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 3.78 against 3.88 in 2023; short-term debt: 13.3% and cash: 2.9% of total assets), but 72.2% of the assets are financed with debt.
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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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
30 d late
2022
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Financials · fiscal year 2024, micro schema
In the rankings
#4 company by total assets in Oupeye, Administrative and support services sector#4 company by equity in Oupeye, Administrative and support services sector
Equity
€535,429▲ 18.7%
2023 · €451,071
Total assets
€1.9m▲ 49.4%
2023 · €1.3m
Net result
€84,357▼ 71.5%
2023 · €295,533
Working capital
€713,604▲ 82.0%
2023 · €392,119
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202220232024
Operating result€126,100-€407,651▲ 223%€214,334▼ 47.4%
Net result€94,038above the sector's middle half-€295,533above the sector's middle half▲ 214%€84,357above the sector's middle half▼ 71.5%
Equity€155,538within the sector's middle half-€451,071above the sector's middle half▲ 190%€535,429above the sector's middle half▲ 18.7%
Total assets€313,468within the sector's middle half-€1.3mabove the sector's middle half▲ 311%€1.9mabove the sector's middle half▲ 49.4%
Debt€157,929-€836,247▲ 430%€1.4m▲ 65.9%
Working capital€152,813above the sector's middle half-€392,119above the sector's middle half▲ 157%€713,604above the sector's middle half▲ 82.0%
Solvency49.6%within the sector's middle half-35.0%within the sector's middle half▼ 14.6pp27.8%within the sector's middle half▼ 7.2pp
Current ratio1.97within the sector's middle half-3.88within the sector's middle half▲ 1.913.78within the sector's middle half▼ 0.10
Return on assets (ROA)30.0%above the sector's middle half-23.0%within the sector's middle half▼ 7.0pp4.4%within the sector's middle half▼ 18.6pp
Staff (FTE)2.7-3.6▲ 33.3%5.4▲ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 47% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.9m
Fixed assets
€952,674 ▲ 25.5%
Current assets
€970,037 ▲ 83.6%
Equity and liabilities €1.9m
Equity
€535,429 ▲ 18.7%
Debt
€1.4m ▲ 65.9%
Debt's share of the balance-sheet total rises from 65.0% to 72.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€217,689▼
2023 · €409,148
Cash flow
€87,712▼
2023 · €297,030
Debt to equity
2.59▲
2023 · 1.85
ROE
15.8%▼
2023 · 65.5%
Interest coverage
2.09▼
2023 · 33.07
Debt ≤ 1 year
€256,433▲
2023 · €136,247
Debt > 1 year
€1.1m▲
2023 · €700,000
Income taxes
€25,829▼
2023 · €99,744
Staff costs
€333,286▲
2023 · €211,682
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,541 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 95% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
3.3%
went bankrupt
1.1%
stopped otherwise
95%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,541 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €111,942 | €211,682 | €333,286 | ▲ 57.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55 | €1,497 | €3,355 | ▲ 124% |
| Other operating charges640/8 | €1,960 | €2,788 | €451 | ▼ 83.8% |
| Gross operating margin9900 | €240,057 | €623,618 | €551,427 | ▼ 11.6% |
| Operating profit (loss)9901 | €126,100 | €407,651 | €214,334 | ▼ 47.4% |
| Financial income75/76B | €1 | €0 | - | - |
| Recurring financial income75 | €1 | €0 | - | - |
| Financial charges65/66B | €45 | €12,373 | €104,148 | ▲ 742% |
| Recurring financial charges65 | €45 | €12,373 | €104,148 | ▲ 742% |
| Profit (loss) for the period before taxes9903 | €126,056 | €395,277 | €110,186 | ▼ 72.1% |
| Income taxes67/77 | €32,017 | €99,744 | €25,829 | ▼ 74.1% |
| Profit (loss) for the period9904 | €94,038 | €295,533 | €84,357 | ▼ 71.5% |
| Profit (loss) for the period to be appropriated9905 | €94,038 | €295,533 | €84,357 | ▼ 71.5% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €313,468 | €1.3m | €1.9m | ▲ 49.4% |
| Fixed assets21/28 | €2,725 | €758,953 | €952,674 | ▲ 25.5% |
| Intangible fixed assets21 | - | - | €2,361 | - |
| Tangible fixed assets22/27 | €2,725 | €58,953 | €250,313 | ▲ 325% |
| Land and buildings22 | - | €52,079 | €243,153 | ▲ 367% |
| Furniture and vehicles24 | €2,725 | €6,873 | €7,160 | ▲ 4.2% |
| Financial fixed assets28 | - | €700,000 | €700,000 | = |
| Current assets29/58 | €310,743 | €528,366 | €970,037 | ▲ 83.6% |
| Amounts receivable within one year40/41 | €286,877 | €367,132 | €910,957 | ▲ 148% |
| Trade receivables40 | €227,165 | €300,706 | €827,199 | ▲ 175% |
| Other amounts receivable41 | €59,711 | €66,426 | €83,758 | ▲ 26.1% |
| Cash at bank and in hand54/58 | €23,866 | €151,725 | €55,149 | ▼ 63.7% |
| Deferred charges and accrued income490/1 | - | €9,509 | €3,932 | ▼ 58.7% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €313,468 | €1.3m | €1.9m | ▲ 49.4% |
| Equity10/15 | €155,538 | €451,071 | €535,429 | ▲ 18.7% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | €61,500 | €61,500 | €61,500 | = |
| Profit (loss) carried forward14 | €94,038 | €389,571 | €473,929 | ▲ 21.7% |
| Amounts payable17/49 | €157,929 | €836,247 | €1.4m | ▲ 65.9% |
| Amounts payable after more than one year17 | - | €700,000 | €1.1m | ▲ 61.5% |
| Financial debts170/4 | - | €700,000 | €1.1m | ▲ 61.5% |
| Amounts payable within one year42/48 | €157,929 | €136,247 | €256,433 | ▲ 88.2% |
| Current portion of amounts payable after more than one year42 | - | - | €55,560 | - |
| Trade debts44 | €125,101 | €86,321 | €163,384 | ▲ 89.3% |
| Suppliers440/4 | €125,101 | €86,321 | €163,384 | ▲ 89.3% |
| Taxes, remuneration and social security45 | €32,544 | €49,642 | €37,205 | ▼ 25.1% |
| Taxes450/3 | €32,017 | €47,826 | €5,722 | ▼ 88.0% |
| Remuneration and social security454/9 | €527 | €1,816 | €31,483 | ▲ 1,634% |
| Other amounts payable47/48 | €284 | €284 | €284 | = |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €94,038 | €295,533 | €84,357 | ▼ 71.5% |
| + Depreciation and write-downs630 | €55 | €1,497 | €3,355 | ▲ 124% |
| Operating cash flow (approximation) | €94,093 | €297,030 | €87,712 | ▼ 70.5% |
| Investment in fixed assets (approximation) | - | -€757,724 | -€197,076 | ▲ 74.0% |
| Change in cash | - | €127,859 | -€96,577 | ▼ 176% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €84,357 ▼71.5%
Net result drops to €84,357, the lowest in the series.
31-12
Financial
Equity above €500,000Eq €535,429 ▲18.7%
3 profitable years in a row build equity to €535,429.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2022net €295,533 ▲214%
Operating result €407,651, net result €295,533, both a record.
31-12
Financial
Equity above €200,000Eq €451,071 ▲190%
2 profitable years in a row build equity to €451,071.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Oupeye · 1 establishment unit since 2022
Ground area
3,861 m²
Parcel 62049A0871/00_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
PERSPECTIVE BUILD
since 20222.328.697.806
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62049A0871/00_000 | Wallonia | 3,861 m² | - | - |
Linked by address, not proof of ownership
Good to know
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
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U.F.S.
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Of 24,517 companies in sector 82990 we hold annual accounts for 9,421. 5,756 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
Founded24-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
82990Other business support services
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0779357386
Registered
16-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.