PERSYN
ActivePERSYN has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €16k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 2531 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-12
Solvency98▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.57 against 3.13 in 2024; short-term debt: 27.4% and cash: 23.9% of total assets), and 27.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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
72.6%
Return on assets
14.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
29 d late
2022
61 d early
2021
23 d late
2020
50 d early
2019
122 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 24.5%
2024 · €65k
2018: €26k
2019: €29k
2020: €28k
2021: €36k
2022: €45k
2023: €43k
2024: €65k
2018 → 2025
Total assets
€111k▲ 20.2%
2024 · €92k
2018: €79k
2019: €81k
2020: €79k
2021: €88k
2022: €97k
2023: €92k
2024: €92k
2018 → 2025
Net result
€16k▼ 28.4%
2024 · €22k
2018: €2k
2019: €3k
2020: €-1k
2021: €8k
2022: €9k
2023: €-3k
2024: €22k
2018 → 2025
Working capital
€78k▲ 32.7%
2024 · €59k
2018: €-11k
2019: €2k
2020: €-8k
2021: €11k
2022: €31k
2023: €29k
2024: €59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€45k▲ 25.6%€43k▼ 6.0%€65k▲ 51.9%€81k▲ 24.5%
Operating result€8k-€9k▲ 18.8%€-3k€24k€20k▼ 18.0%
Net result€8k-€9k▲ 18.8%€-3k€22k€16k▼ 28.4%
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 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€3k▼ 57.3%
Current assets
€109k▲ 25.6%
Equity and liabilities €111k
Equity
€81k▲ 24.5%
Debt
€30k▲ 10.2%
The debt ratio falls from 29.8% to 27.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €32k
Cash flow
€19k▼
2024 · €30k
Solvency
72.6%▲
2024 · 70.2%
Current ratio
3.57▲
2024 · 3.13
Quick ratio
3.57▲
2024 · 3.13
Debt / equity
0.38▼
2024 · 0.43
ROE
19.6%▼
2024 · 34.1%
ROA
14.3%▼
2024 · 24.0%
Interest coverage
246.95▼
2024 · 586.21
Debt
€30k▲
2024 · €28k
Debt ≤ 1 year
€30k▲
2024 · €28k
Income taxes
€4k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€92k€111k▲
Fixed assets21/28€6k€3k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23€6k€3k▼
Current assets29/58€86k€109k▲
Amounts receivable within one year40/41€51k€82k▲
Trade receivables40€49k€82k▲
Other amounts receivable41€2k€50▼
Cash at bank and in hand54/58€35k€27k▼
Deferred charges and accrued income490/1€302€306▲
Equity and liabilities
Total equity and liabilities10/49€92k€111k▲
Equity10/15€65k€81k▲
Contributions10/11€79k€79k=
Reserves13€20k€36k▲
Distributable reserves133€20k€36k▲
Profit (loss) carried forward14€-34k€-34k=
Amounts payable17/49€28k€30k▲
Amounts payable within one year42/48€28k€30k▲
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€5k▲
Other amounts payable47/48€25k€26k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€3k▼
Other operating charges640/8€126-
Gross operating margin9900€32k€23k▼
Operating profit (loss)9901€24k€20k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€54€94▲
Recurring financial charges65€54€94▲
Profit (loss) for the period before taxes9903€24k€20k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€22k€16k▼
Profit (loss) for the period to be appropriated9905€22k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-18k▼
Profit (loss) brought forward from the previous period14P€-36k€-34k▲
Transfer to equity691/2€20k€16k▼
To other reserves6921€20k€16k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-3k ▼129%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zwevegem · 1 establishment unit since 1991
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Stampkotstraat(H) 98551 ZwevegemGround area
4,904 m²
Building footprint
324 m²
Volume, LiDAR
1,612 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PERSYN
since 19912.052.053.311
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34014A1264/00A000 | Flanders | 2,619 m² | 1 · 180 m² | 7.6 m · 2 fl. |
| 34014B0320/00E000 | Flanders | 2,285 m² | 1 · 144 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZwevegem2.052.053.311
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Of 7,376 companies in sector 95311 we hold annual accounts for 2,958. 2,261 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-1991
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.