PERSYN BOUWONDERNEMING
ActiveThe computed 12-month bankruptcy probability of PERSYN BOUWONDERNEMING is 1.7% (moderate). The 2025 annual accounts show equity of €53k and a net result of €13k. Equity is growing by ~24% per year across the filed fiscal years. Its solvency ranks better than 30% of 7431 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+19
Solvency50▼-3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 0.77 in 2024; short-term debt: 60.7% and cash: 10.4% of total assets), and 75.4% 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+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
24.6%
Return on assets
6.1%
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 26-08-2026, 26 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 · 6 filingsDeviation from the deadline
2025
26 d late
2024
53 d late
2023
56 d late
2022
31 d late
2021
51 d late
2020
51 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 29.9%
2024 · €41k
2020: €14k
2021: €23k
2022: €28k
2023: €36k
2024: €41k
2020 → 2025
Total assets
€216k▲ 45.6%
2024 · €149k
2020: €62k
2021: €142k
2022: €175k
2023: €129k
2024: €149k
2020 → 2025
Net result
€13k▲ 123%
2024 · €6k
2020: €10k
2021: €10k
2022: €6k
2023: €9k
2024: €6k
2020 → 2025
Working capital
€12k
2024 · €-21k
2020: €-5k
2021: €-5k
2022: €5k
2023: €-8k
2024: €-21k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€28k▲ 20.2%€36k▲ 27.9%€41k▲ 14.1%€53k▲ 29.9%
Operating result€15k-€12k▼ 22.8%€14k▲ 18.9%€19k▲ 34.7%€20k▲ 10.2%
Net result€10k-€6k▼ 43.6%€9k▲ 56.3%€6k▼ 32.0%€13k▲ 123%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216k
Fixed assets
€74k▼ 7.3%
Current assets
€143k▲ 106%
Equity and liabilities €216k
Equity
€53k▲ 29.9%
Debt
€163k▲ 51.6%
The debt ratio rises from 72.4% to 75.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43k▲
2024 · €36k
Cash flow
€35k▲
2024 · €23k
Solvency
24.6%▼
2024 · 27.6%
Current ratio
1.09▲
2024 · 0.77
Quick ratio
0.72▲
2024 · 0.57
Debt / equity
3.06▲
2024 · 2.62
ROE
24.6%▲
2024 · 14.3%
ROA
6.1%▲
2024 · 3.9%
Interest coverage
13.75▲
2024 · 3.97
Debt
€163k▲
2024 · €108k
Debt ≤ 1 year
€131k▲
2024 · €90k
Debt > 1 year
€32k▲
2024 · €17k
Income taxes
€4k▲
2024 · €4k
Staff costs
€85k▲
2024 · €65k
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€149k€216k▲
Fixed assets21/28€79k€74k▼
Tangible fixed assets22/27€79k€74k▼
Land and buildings22€21k€18k▼
Plant, machinery and equipment23€6k€14k▲
Furniture and vehicles24€51k€41k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€69k€143k▲
Stocks and contracts in progress3€17k€48k▲
Stocks30/36€17k€48k▲
Amounts receivable within one year40/41€42k€72k▲
Trade receivables40€28k€65k▲
Other amounts receivable41€15k€7k▼
Cash at bank and in hand54/58€2k€23k▲
Deferred charges and accrued income490/1€7k€1k▼
Equity and liabilities
Total equity and liabilities10/49€149k€216k▲
Equity10/15€41k€53k▲
Contributions10/11€5k€5k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€13k€25k▲
Amounts payable17/49€108k€163k▲
Amounts payable after more than one year17€17k€32k▲
Financial debts170/4€17k€32k▲
Amounts payable within one year42/48€90k€131k▲
Current portion of amounts payable after more than one year42€6k€14k▲
Trade debts44€13k€45k▲
Suppliers440/4€13k€45k▲
Advances received on contracts in progress46-€17k
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€822-
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€64k€51k▼
Income statement
Code20242025
Remuneration, social security and pensions62€65k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€22k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€104k€129k▲
Operating profit (loss)9901€19k€20k▲
Financial income75/76B€245€24▼
Recurring financial income75€245€24▼
Financial charges65/66B€9k€3k▼
Recurring financial charges65€9k€3k▼
Profit (loss) for the period before taxes9903€10k€17k▲
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€6k€13k▲
Profit (loss) for the period to be appropriated9905€6k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€26k▲
Profit (loss) brought forward from the previous period14P€8k€13k▲
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Highest result since 2020net €13k ▲123%
Operating result €20k, net result €13k, both a record.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €6k ▼43.6%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
2021
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
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, Tienen · 1 establishment unit since 2019
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.
Populierenstraat(SMH) 243300 TienenGround area
5,726 m²
Building footprint
367 m²
Volume, LiDAR
2,208 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Persyn Bouwonderneming
since 20192.292.424.358
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24102A0055/00L000 | Flanders | 3,570 m² | 1 · 179 m² | 10.2 m · 2 fl. |
| 24102A0062/00R002 | Flanders | 2,156 m² | 1 · 188 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 180 EUR | 180 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,124 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.