Equity
-€112,425 from €406,519 in 2011
Equity fell below zero in 2025.
PETRALIM
Lifetime
19 annual accounts with figures on one time axis, 36 filings since 1990peak €959,329 (2023)
€585,719▼ 32.4%
lowest -€198,329 (2025)
-€198,329▼ €233,999
peak €406,519 (2011)
-€112,425▼ €262,129
€1.3m▲ 12.4%
peak 12.4 FTE (2022)
10.6 FTE▼ 11.7%
Board2 names since 2019
1 directorGUBBELS
Owners
Documentsfilings and deeds
05-11-202697 days late
2025financial year
Gross margin from €866,440 to €585,719Loss of €198,329Staff from 12 FTE to 10.6 FTEDividend €63,800Equity from €149,703 to -€112,425Cash from €26,743 to €74,729
Key points
from the 2025 annual accountsResult
€35,670 ▼ 61.1%
The result fell in 2024 from €91,660 to €35,670.
Debts
€1.3m 110% of the balance sheet
After one year 55%Within one year 45%
Of this, €574,105 falls due within a year.
Investments
€2,500 0.0 × depreciation
Green is investment, beige is depreciation.
Filings
36 annual accounts 97 days
Latest accounts filed late: after the legal deadline.
Position in the sector
-9.6%
Lower solvency than 95% of companies in non-metallic mineral products. Sector median 46.3% · 366 companies.
Checked score
53
Fair
Financially stronger than 26% of small companies in non-metallic mineral products (NACE 23)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 233 companies (NACE 23, small).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024lowest value
02-2025: 0.6%▲ +0.1 percentage points vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 1.0%▲ +0.3 percentage points vs 07-2025
09-2025: 0.7%▼ -0.3 percentage points vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.8%▲ +0.1 percentage points vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 1.2%▲ +0.4 percentage points vs 07-2026
09-2026: 1.4%▲ +0.2 percentage points vs 08-2026
10-2026: 1.9%▲ +0.5 percentage points vs 09-2026highest value
11-2026: 1.9%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Figures for financial year 2024 (filed on 29-08-2025)
Equity €149,703 (11.6% of total assets)
Liquidity: current ratio 1.31, cash €26,743
lowers risk
Sector: Manufacture of other non-metallic mineral products (NACE 23)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 23, small). It does better than 12% of them on solvency, 23% on liquidity, 56% on profitability and 14% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,685 companies had the same profile as PETRALIM has now. Each dot stands for 12 companies, two years later.
97.0%
were still trading
1.9%
stopped another way
1.1%
went bankrupt
The bankruptcy probability of PETRALIM itself is higher: 1.9% within 12 months. It rests on far more data about PETRALIM than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,685 companies, not a prediction for PETRALIM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity is tight, with a current ratio of 1.31 (1.25 in 2023), below the usual 1.5. Short-term debt is 44.9% and cash 2.1% of total assets. 88.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 97 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-11-2026, 97 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 11 filingsDeviation from the deadline
2025
97 days late
2024
29 days late
2023
5 days early
2022
65 days late
2021
18 days late
2020
54 days late
2019
39 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 42 days after the deadline. In the sector (NACE 23), the median for financial year 2024 was 10 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 36 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0437200378
1 director appointed, 1 resignation, 1 reappointment
Appointment: GUBBELS Björn (sole director) · Permanent representative: GUBBELS Björn · Resignation: GUBBELS (sole director) · General meeting of 13-12-2023 · Gazette deed
First establishment
PETRA NV, Steenweg naar As 12, Maasmechelen
Incorporation
published on 29-04-1989 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PETRALIM Maasmechelen | €1.2m | €585,719 | -9.6% | 10.6 |
| Natuursteen Thijs Bilzen-Hoeselt | €1.5m | €714,561 | 31.3% | 9.2 |
| VANDERLINDEN - HOLEMANS Wavre | €1.6m | €755,497 | 71.2% | 11.2 |
| MARBRERIE CREMER Etalle | €1.5m | €717,097 | 74.6% | 8.1 |
| SEEGERS NATUURSTEEN Dilsen-Stokkem | €2.1m | €885,364 | -7.8% | 11.4 |
| Natuursteen- en Tegelhandel T.V.H. Peer | €1.0m | €505,849 | 35.2% | 5.9 |
| RAVANA Nazareth-De Pinte | €1.6m | €600,353 | 44.9% | 7.9 |
These companies have the same main activity as PETRALIM: cutting, shaping and finishing of stone (NACE 23700). They are comparable in size and age: total assets between €1m and €2.1m, founded between 1983 and 1992.
Official details
Source: KBO- Status
- Active since 31-03-1989Normal situation
- Activity
- Cutting, shaping and finishing of stoneNACE 23700and 1 other
- Joint committees
- 124Construction
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.047.403.0513630 Maasmechelen, since 09-03-1990
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Annual accounts 2024
- ≈ €2.0mestimated
- €1.3m▼ 8.2%
- Employeeson 31-12-2024
- 12▼ 7.7%
- Filing
- 2025 annual accounts filed on 05-11-2026
Insights on PETRALIM
PETRALIM has existed since 1989. The present size dates from 2020. The gross margin rose that year from €227,759 to €624,052 and staff from 4.1 to 9.6 full-time equivalents.
Solvency fell in 2025 from 11.6% to -9.6% because of the loss and higher long-term debts.
GUBBELS holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PETRALIM
- What is the company number of PETRALIM?
- The company number of PETRALIM is 0437.200.378. The VAT number is the same number with BE in front: BE 0437.200.378.
- Where is PETRALIM based?
- The registered office is at Steenweg naar As 12, 3630 Maasmechelen.Company details
- What does PETRALIM do?
- According to the KBO register, the main activity is cutting, shaping and finishing of stone (NACE 23700).
- What is the legal form of PETRALIM?
- PETRALIM is a public limited company (NV).
- When was PETRALIM founded?
- PETRALIM was founded on 31-03-1989.
- Is PETRALIM still active?
- Yes, PETRALIM is an active enterprise in the KBO register.
- How many employees does PETRALIM have?
- PETRALIM had an average of 12 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does PETRALIM fall under?
- In its 2025 annual accounts, PETRALIM states joint committees 124 (Construction) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of PETRALIM?
- The turnover in financial year 2024 is ≈ €2.0m. This figure is estimated from the gross margin of €866,440 and 2,281 comparable companies of the same size. It probably lies between €1.2m and €3.5m. It is a rough estimate.
- Is PETRALIM profitable?
- In financial year 2024, PETRALIM made a profit of €35,670.
- Where can I find the annual accounts of PETRALIM?
- PETRALIM filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PETRALIM due?
- PETRALIM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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