Debts
€32,008 86% of the balance sheet
Suppliers 3%Taxes and wages 1%Other 96%
PFBC
Lifetime
14 annual accounts with figures on one time axispeak €58,101 (2012)
€10,210▲ 268%
lowest -€49,294 (2018)
€4,823▲ €5,483
peak €32,063 (2015)
€5,334▲ 944%
€32,008▼ 46.6%
Board1 name since 2012
1 directorJACHIMSKI Marcin
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Address struck 07-03Gross margin from €2,771 to €10,210Back to profit: €4,823Address strikeout annulled 21-03Registered-office move 21-03Equity from €511 to €5,334
Key points
from the 2025 annual accountsFilings
14 annual accounts since 2012
Six of the last ten came late. The 2016 accounts came latest: 58 days after the end of the period.
Position in the sector
€5,334
Less equity than 87% of companies in specialised construction. Sector median €57,703 · 35,137 companies.
Checked score
66
Healthy
Financially stronger than 56% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.4%▼ -0.1 percentage points vs 12-2024lowest value
02-2025: 0.4%● unchanged vs 01-2025lowest value
03-2025: 0.4%● unchanged vs 02-2025lowest value
04-2025: 1.6%▲ +1.2 percentage points vs 03-2025
05-2025: 1.9%▲ +0.3 percentage points vs 04-2025
06-2025: 1.9%● unchanged vs 05-2025
07-2025: 2.1%▲ +0.2 percentage points vs 06-2025
08-2025: 3.3%▲ +1.2 percentage points vs 07-2025
09-2025: 3.0%▼ -0.3 percentage points vs 08-2025
10-2025: 3.0%● unchanged vs 09-2025
11-2025: 3.0%● unchanged vs 10-2025
12-2025: 3.0%● unchanged vs 11-2025
01-2026: 3.0%● unchanged vs 12-2025
02-2026: 3.0%● unchanged vs 01-2026
03-2026: 3.0%● unchanged vs 02-2026
04-2026: 3.2%▲ +0.2 percentage points vs 03-2026
05-2026: 3.6%▲ +0.4 percentage points vs 04-2026
06-2026: 3.4%▼ -0.2 percentage points vs 05-2026
07-2026: 3.6%▲ +0.2 percentage points vs 06-2026
08-2026: 5.4%▲ +1.8 percentage points vs 07-2026highest value
09-2026: 1.2%▼ -4.2 percentage points vs 08-2026
10-2026: 1.2%● unchanged vs 09-2026
11-2026: 1.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
1 change of registered office in 24 months
Ex-officio strike-off in the KBO
lowers risk
Figures for financial year 2025 (filed on 28-08-2026)
Founded in 2011
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 43, micro). It does better than 17% of them on solvency, 40% on liquidity, 68% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 5,053 companies had the same profile as PFBC has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PFBC itself: 1.2% within 12 months.
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 5,053 companies, not a prediction for PFBC. 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.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Eight signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 35125 sector peers (2025).
NBB · sector comparisonPosition among 35125 sector peers
Solvency
better than 17%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €5,334
raises risk · 2025 accounts filed 26 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
26 days late
2024
18 days late
2023
14 days late
2022
28 days early
2021
34 days early
2020
33 days early
2019
13 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 3 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 2 notices about the company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struckAddress strikeout annulled
Searched, nothing found (1)
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 15 August (4 of the last 5 accounts filed within 43 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0836816822
Address strikeout annulled
KBO administration
Registered-office move
Board meeting of 02-01-2025 · Gazette deed
Address struck
KBO administration
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PFBC Ittre | €37,342 | €10,210 | 14.3% | - |
| THE DESIGNERY Heist-op-den-Berg | €45,008 | €10,775 | 75.0% | - |
| WESTYN Woluwe-Saint-Lambert | €32,844 | €11,746 | 55.8% | - |
| A R&S RENOVATION Wavre | €47,349 | €8,391 | 41.9% | - |
| Sunside MKM Beauvechain | €52,379 | €12,705 | -20.4% | - |
| CLABO Wommelgem | €27,920 | €8,910 | 99.7% | - |
| Aaron Peelman Hamme (Vl.) | €52,550 | €10,105 | 16.5% | - |
These companies have the same main activity as PFBC: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €27,900 and €52,600, founded between 2008 and 2013.
Official details
Source: KBO- Status
- Active since 07-06-2011Normal situation
- Registered office
- 16 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Other building finishing workNACE 43350and 1 other
- Establishment unit
- 2.203.009.4611460 Ittre, since 07-06-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 15-01-2026
Insights on PFBC
PFBC files the micro format. That format states no turnover. The gross margin fell from €58,101 in 2012 to €10,210 in 2025.
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 PFBC
- What is the company number of PFBC?
- The company number of PFBC is 0836.816.822. The VAT number is the same number with BE in front: BE 0836.816.822.
- Where is PFBC based?
- The registered office is at Rue Charles Catala 78, 1460 Ittre.Company details
- What does PFBC do?
- According to the KBO register, the main activity is other building finishing work (NACE 43350).
- What is the legal form of PFBC?
- PFBC is a private limited company (pre-2019) (BVBA).
- When was PFBC founded?
- PFBC was founded on 07-06-2011.
- Is PFBC still active?
- Yes, PFBC is an active enterprise in the KBO register.
- What is the turnover of PFBC?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €10,210 and 37 comparable companies (NACE 43350). It probably lies between €59,000 and €220,000. It is a rough estimate.Financials
- Is PFBC profitable?
- In financial year 2025, PFBC made a profit of €4,823.
- Where can I find the annual accounts of PFBC?
- PFBC filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PFBC due?
- PFBC must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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