PETRA-GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €6k and a net result of €7k. Its solvency ranks better than 58% of 1471 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 2 filingsDeviation from the deadline
2025
27 d late
2024
24 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, abbreviated schema
Equity
€6k
2024 · €-389
2024: €-389
2024 → 2025
Net result
€7k
2024 · €-3k
2024: €-3k
2024 → 2025
Total assets
€13k▲ 1.4%
2024 · €13k
2024: €13k
2024 → 2025
Solvency
47.2%▲ 50.2pp
2024 · -3.0%
2024: -3.0%
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€-389-€6k
Operating result€-3k-€11k
Net result€-3k-€7k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13k
Fixed assets
€344▼ 50.0%
Current assets
€13k▲ 4.3%
Equity and liabilities €13k
Equity
€6k
Debt
€7k
Debt finances 52.8% of the balance-sheet total.
Key figures and ratios
Solvency
47.2%▲
2024 · -3.0%
ROE
106.3%
ROA
50.2%▲
2024 · -26.3%
Debt
€7k▼
2024 · €13k
Debt ≤ 1 year
€7k▼
2024 · €13k
Income taxes
€5k▲
2024 · €158
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€13k€13k▲
Fixed assets21/28€688€344▼
Tangible fixed assets22/27€688€344▼
Furniture and vehicles24€688€344▼
Current assets29/58€12k€13k▲
Amounts receivable within one year40/41-€5k
Other amounts receivable41-€5k
Cash at bank and in hand54/58€12k€8k▼
Equity and liabilities
Total equity and liabilities10/49€13k€13k▲
Equity10/15€-389€6k▲
Contributions10/11€3k€3k=
Reserves13-€7k
Distributable reserves133-€7k
Profit (loss) carried forward14€-3k€-3k=
Amounts payable17/49€13k€7k▼
Amounts payable within one year42/48€13k€7k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€344€344=
Other operating charges640/8€437€400▼
Gross operating margin9900€-2k€12k▲
Operating profit (loss)9901€-3k€11k▲
Financial income75/76B€16-
Recurring financial income75€16-
Financial charges65/66B€60€49▼
Recurring financial charges65€60€49▼
Profit (loss) for the period before taxes9903€-3k€11k▲
Income taxes67/77€158€5k▲
Profit (loss) for the period9904€-3k€7k▲
Profit (loss) for the period to be appropriated9905€-3k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€3k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer to equity691/2-€7k
To other reserves6921-€7k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
19-08
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.84
Current ratio from 0.92 to 1.84; short-term debt falls from €13k to €7k.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
Financial milestoneState Gazette actNBB 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, Brussel · 1 establishment unit since 2023
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.
Parkdreef 411000 BrusselGround area
1.5 ha
Building footprint
630 m²
Volume, LiDAR
26,937 m³
Parcel 21814P0388/00K007, Brussels · tallest building 64.6 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
PETRA-GROUP
since 20232.352.672.246
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21814P0388/00K007 | Brussels | 1.5 ha | 1 · 630 m² | 64.6 m · 14 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Ownership & control
1 partyPETRA-GROUPBE 1002.469.165
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 239 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2023
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.