PETIT TRESOR
ActivePETIT TRESOR has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €28k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 37% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+92
Solvency50▼-18
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.74 in 2024; short-term debt: 75.1% and cash: 7.6% of total assets), and 75.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
24.9%
Return on assets
28%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-06-2026, 34 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
34 d early
2024
28 d early
2023
75 d early
2022
128 d early
2021
149 d early
2020
79 d early
2019
193 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
€25k▼ 2.1%
2024 · €26k
2018: €7k
2019: €3k
2020: €-3k
2021: €20k
2022: €34k
2023: €31k
2024: €26k
2018 → 2025
Total assets
€100k▲ 69.2%
2024 · €59k
2018: €8k
2019: €8k
2020: €4k
2021: €26k
2022: €62k
2023: €51k
2024: €59k
2018 → 2025
Net result
€28k
2024 · €-5k
2018: €-1k
2019: €-3k
2020: €-6k
2021: €23k
2022: €-3k
2023: €-4k
2024: €-5k
2018 → 2025
Working capital
€22k▼ 11.1%
2024 · €25k
2018: €7k
2019: €3k
2020: €-3k
2021: €13k
2022: €23k
2023: €25k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€34k▲ 72.0%€31k▼ 10.9%€26k▼ 16.9%€25k▼ 2.1%
Operating result€30k-€-204€-1k▼ 575%€-3k▼ 132%€40k
Net result€23k-€-3k€-4k▼ 47.8%€-5k▼ 37.3%€28k
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 2025: €40k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€3k▲ 601%
Current assets
€98k▲ 65.8%
Equity and liabilities €100k
Equity
€25k▼ 2.1%
Debt
€75k▲ 123%
The debt ratio rises from 56.9% to 75.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €-2k
Cash flow
€29k▲
2024 · €-4k
Solvency
24.9%▼
2024 · 43.1%
Current ratio
1.30▼
2024 · 1.74
Quick ratio
1.23▼
2024 · 1.60
Debt / equity
3.01▲
2024 · 1.32
ROE
112.3%▲
2024 · -20.3%
ROA
28.0%▲
2024 · -8.7%
Interest coverage
22.12▲
2024 · -3.49
Debt
€75k▲
2024 · €34k
Debt ≤ 1 year
€75k▲
2024 · €34k
Income taxes
€10k▲
2024 · €2k
Staff costs
€34k▲
2024 · €29k
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€59k€100k▲
Fixed assets21/28€378€3k▲
Tangible fixed assets22/27€198€2k▲
Furniture and vehicles24€198€2k▲
Financial fixed assets28€180€180=
Current assets29/58€59k€98k▲
Stocks and contracts in progress3€5k€5k=
Stocks30/36€5k€5k=
Amounts receivable within one year40/41€52k€84k▲
Trade receivables40€49k€51k▲
Other amounts receivable41€3k€33k▲
Cash at bank and in hand54/58€1k€8k▲
Deferred charges and accrued income490/1€897€2k▲
Equity and liabilities
Total equity and liabilities10/49€59k€100k▲
Equity10/15€26k€25k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€538€0▼
Amounts payable17/49€34k€75k▲
Amounts payable within one year42/48€34k€75k▲
Financial debts43€839€2k▲
Credit institutions430/8€839€2k▲
Trade debts44€8k€24k▲
Suppliers440/4€8k€24k▲
Taxes, remuneration and social security45€16k€20k▲
Taxes450/3€8k€16k▲
Remuneration and social security454/9€8k€4k▼
Other amounts payable47/48€9k€31k▲
Accrued charges and deferred income492/3-€25
Income statement
Code20242025
Remuneration, social security and pensions62€29k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€798▼
Other operating charges640/8€4k€955▼
Gross operating margin9900€31k€76k▲
Operating profit (loss)9901€-3k€40k▲
Financial income75/76B€127€50▼
Recurring financial income75€127€50▼
Financial charges65/66B€506€2k▲
Recurring financial charges65€506€2k▲
Profit (loss) for the period before taxes9903€-4k€38k▲
Income taxes67/77€2k€10k▲
Profit (loss) for the period9904€-5k€28k▲
Profit (loss) for the period to be appropriated9905€-5k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€29k▲
Profit (loss) brought forward from the previous period14P€222€538▲
Transfer from equity791/2€6k€0▼
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (11 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
27-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €28k
Net result €28k after 3 loss-making years.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after 3 loss-making years.
31-12
Financial
Liquidity times 5current ratio 3.12
Current ratio from 0.63 to 3.12; short-term debt falls from €7k to €6k.
13-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
09-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 193 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 559 days late
2020
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
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, Brussel · 1 establishment unit since 2018
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.
Bischoffsheimlaan 391000 BrusselGround area
808 m²
Building footprint
279 m²
Volume, LiDAR
6,467 m³
Parcel 21803C0630/00H003, Brussels · tallest building 26.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
PETIT TRESOR
since 20182.270.409.714
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21803C0630/00H003 | Brussels | 808 m² | 1 · 279 m² | 26.6 m · 8 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.
Similar companies · same sector, comparable size
INTERNATIONAL DIPLOMATIC SUPPLIES EUROPE
BE 0768.804.974
Zaventem · Eq €25k
NODISK
BE 0798.337.516
Overijse · Eq €25k
NEST COMPANY
BE 1013.321.485
Machelen (Brab.) · Eq €25k
OLIVIER MOULART
BE 0876.474.182
Rixensart · Eq €25k
2000 SPACE
BE 0768.456.170
Sint-Agatha-Berchem · Eq €25k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,732 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2017
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.