PFR Expertise
ActivePFR Expertise has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €1k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-24
Solvency82▲+9
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.65 in 2024; short-term debt: 43% and cash: 15.8% of total assets), and 43% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
57%
Return on assets
3.3%
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 31-05-2026, 61 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
61 d early
2024
53 d early
2023
65 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 6.2%
2024 · €18k
2023: €12k
2024: €18k
2023 → 2025
Total assets
€33k▼ 9.6%
2024 · €37k
2023: €27k
2024: €37k
2023 → 2025
Net result
€1k▼ 79.8%
2024 · €6k
2023: €5k
2024: €6k
2023 → 2025
Working capital
€15k▲ 19.8%
2024 · €12k
2023: €12k
2024: €12k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€12k-€18k▲ 44.6%€19k▲ 6.2%
Operating result€8k-€11k▲ 43.1%€5k▼ 54.3%
Net result€5k-€6k▲ 13.5%€1k▼ 79.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€4k▼ 23.7%
Current assets
€29k▼ 7.1%
Equity and liabilities €33k
Equity
€19k▲ 6.2%
Debt
€14k▼ 24.5%
The debt ratio falls from 51.5% to 43.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €12k
Cash flow
€2k▼
2024 · €6k
Solvency
57.0%▲
2024 · 48.5%
Current ratio
2.03▲
2024 · 1.65
Quick ratio
2.03▲
2024 · 1.65
Debt / equity
0.76▼
2024 · 1.06
ROE
5.9%▼
2024 · 30.8%
ROA
3.3%▼
2024 · 14.9%
Interest coverage
1.91▼
2024 · 3.07
Debt
€14k▼
2024 · €19k
Debt ≤ 1 year
€14k▼
2024 · €19k
Income taxes
€577▼
2024 · €2k
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€37k€33k▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€31k€29k▼
Amounts receivable within one year40/41€0€9k▲
Trade receivables40€0€9k▲
Current investments50/53-€12k
Cash at bank and in hand54/58€30k€5k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€37k€33k▼
Equity10/15€18k€19k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€10k€11k▲
Amounts payable17/49€19k€14k▼
Amounts payable within one year42/48€19k€14k▼
Financial debts43€60€0▼
Other loans439€60€0▼
Trade debts44€10k€1k▼
Suppliers440/4€10k€1k▼
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€8k€8k▼
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€100€3k▲
Accrued charges and deferred income492/3-€5
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€690€1k▲
Other operating charges640/8€62€0▼
Gross operating margin9900€12k€6k▼
Operating profit (loss)9901€11k€5k▼
Financial income75/76B-€20
Recurring financial income75-€20
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€7k€2k▼
Income taxes67/77€2k€577▼
Profit (loss) for the period9904€6k€1k▼
Profit (loss) for the period to be appropriated9905€6k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€11k▲
Profit (loss) brought forward from the previous period14P€5k€10k▲
The notes to these accounts (5 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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €1k ▼79.8%
Net result drops to €1k, the lowest in the series.
08-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €6k ▲13.5%
Operating result €11k, net result €6k, both a record.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tervuren · 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.
Jezus Eiklaan 273080 TervurenGround area
266 m²
Building footprint
95 m²
Volume, LiDAR
668 m³
Parcel 24302G0173/00S000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PFR Expertise
since 20232.345.672.212
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302G0173/00S000 | Flanders | 266 m² | 1 · 95 m² | 12.4 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 36 EUR awarded · 36 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 36 EUR | 36 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 4,316 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2023
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.
Contact details
1 entryE-mail:pfr.expertise@gmail.com