PERSYN
ActiveSummary
PERSYN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €-11k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 33% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-63
Solvency57=
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.39 in 2024; short-term debt: 58.6% and cash: 22.9% of total assets), and 68% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
32%
Return on assets
-8.3%
Age of the figures
18 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 10-10-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
7 d early
2023
5 d early
2022
4 d early
2021
3 d early
2020
30 d early
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▼ 20.6%
2024 · €53k
2019: €49k
2020: €56k
2021: €56k
2022: €56k
2023: €50k
2024: €53k
2019 → 2025
Total assets
€131k▼ 21.1%
2024 · €165k
2019: €81k
2020: €135k
2021: €117k
2022: €114k
2023: €108k
2024: €165k
2019 → 2025
Net result
€-11k
2024 · €3k
2019: €2k
2020: €7k
2021: €-401
2022: €-37
2023: €-6k
2024: €3k
2019 → 2025
Working capital
€32k▼ 21.5%
2024 · €41k
2019: €16k
2020: €22k
2021: €23k
2022: €30k
2023: €32k
2024: €41k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€56k▼ 0.1%€50k▼ 11.1%€53k▲ 5.5%€42k▼ 20.6%
Operating result€356-€980▲ 175%€-6k€6k€-10k
Net result€-401-€-37▲ 90.9%€-6k▼ 16,988%€3k€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€22k ▲ 6.2%
Current assets
€108k ▼ 25.0%
Equity and liabilities €131k
Equity
€42k ▼ 20.6%
Debt
€89k ▼ 21.3%
Debt's share of the balance-sheet total falls from 68.2% to 68.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €18k
Cash flow
€-5k▼
2024 · €15k
Current ratio
1.42▲
2024 · 1.39
Quick ratio
0.94▲
2024 · 0.82
Debt to equity
2.13▼
2024 · 2.15
ROE
-25.9%▼
2024 · 5.2%
ROA
-8.3%▼
2024 · 1.7%
Interest coverage
-2.78▼
2024 · 12.22
Debt ≤ 1 year
€76k▼
2024 · €104k
Debt > 1 year
€12k▲
2024 · €9k
Staff costs
€31k▲
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€165k€131k▼
Fixed assets21/28€21k€22k▲
Tangible fixed assets22/27€21k€22k▲
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€14k€18k▲
Current assets29/58€145k€108k▼
Stocks and contracts in progress3€59k€37k▼
Stocks30/36€10k€10k▼
Contracts in progress37€49k€27k▼
Amounts receivable within one year40/41€68k€39k▼
Trade receivables40€66k€30k▼
Other amounts receivable41€2k€9k▲
Cash at bank and in hand54/58€11k€30k▲
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€165k€131k▼
Equity10/15€53k€42k▼
Contributions10/11€6k€6k=
Reserves13€46k€42k▼
Distributable reserves133€46k€42k▼
Profit (loss) carried forward14-€-7k
Amounts payable17/49€113k€89k▼
Amounts payable after more than one year17€9k€12k▲
Financial debts170/4€9k€12k▲
Amounts payable within one year42/48€104k€76k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€42k€20k▼
Suppliers440/4€42k€20k▼
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€2k-
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€53k€49k▼
Income statement
Code20242025
Non-recurring operating income76A€93-
Remuneration, social security and pensions62€28k€31k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€1k€903▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€49k€36k▼
Operating profit (loss)9901€6k€-10k▼
Financial income75/76B€134€91▼
Recurring financial income75€134€91▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€5k€-11k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€3k€-11k▼
Profit (loss) for the period to be appropriated9905€3k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-11k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (9 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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-11k ▼493%
Net result drops to €-11k, the lowest in the series.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €7k ▲258%
Operating result €11k, net result €7k, both a record.
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oudenaarde · 1 establishment unit since 2010
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.
Berchemweg 2619700 OudenaardeGround area
3,182 m²
Building footprint
370 m²
Volume, LiDAR
2,249 m³
Parcel 45023A0526/00G000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PERSYN
since 20102.187.187.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45023A0526/00G000 | Flanders | 3,182 m² | 1 · 370 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 838 EUR awarded · 932 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 387 EUR | 387 EUR |
| 2024 | 1 | 418 EUR | 418 EUR |
| 2023 | 1 | 33 EUR | 127 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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MENTEN CARRELAGE
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Of 3,962 companies in sector 43331 we hold annual accounts for 1,790. 1,534 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2010
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
43331Floor and wall tiling
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.