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Generated 01-08-2026
Active BE 0783.439.997Private limited company

PFR IMMO

Petite-Suisse(VEF) 20 ·5600 Philippeville, Belgium· 4 yrs active
Sector: Construction of buildings (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of PFR IMMO is 4.0% (elevated). The 2024 annual accounts show negative equity (€-30k) and a net result of €-16k. Equity is shrinking by ~92.9% per year across the filed fiscal years. Its solvency ranks better than 8% of 3826 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €-30k
Net result €-16k
Better than sector 8%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health37Profitability100Solvency67Growth32Stability94
66 / 100

Strong profile, led by profitability.

Health 37
Profitability 100
Solvency 67
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
4.0% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
37 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 17-07-2025 with the NBB · fiscal year 2024 · micro
€-20k€-15k€-10k€-5k€0Operating result 2022: €-12k€-12kNet result 2022: €-13k€-13kOperating result 2023: €-756€-756Net result 2023: €-12k€-12kOperating result 2024: €-448€-448Net result 2024: €-16k€-16k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~92.9%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-80k€-60k€-40k€-20k€02025: €-44k (€-46k - €-41k)2026: €-57k (€-60k - €-55k)2027: €-71k (€-73k - €-69k)2022: €-3k2023: €-15k2024: €-30k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -15.7% 39.4%
better than 8% of 3826 sector peers
Net result €-16k €9k
better than 8% of 3823 sector peers
Equity €-30k €29k
better than 5% of 3831 sector peers
Gross operating margin €-64 €26k
better than 12% of 3821 sector peers
Total assets €193k €85k
better than 77% of 3827 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-16k
-35.0% -48% vs sector
Total assets
€193k
-5.3% +14% vs sector
Equity
€-30k
-106.7% far below sector median
Working capital
€159k
-9.0% +89% vs sector
Debt
€223k
+2.2% far above sector median
Debt ≤ 1y
€34k
+16.4% -36% vs sector
Debt > 1y
€189k
0.0% 22-24
Current ratio
5.61
-18.6% +159% vs sector
Quick ratio
0.21
-65.8% -90% vs sector
Solvency
-15.7%
-118.2% far below sector median
Debt / equity
-7.38
+50.5% far below sector median
ROE
51.6%
-34.7% far above sector median
ROA
-8.1%
-42.5% +13% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€-16k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€193k
Equity€-30k
Debt€223k
of which ≤ 1y€34k
of which > 1y€189k
Working capital€159k
Employees (FTE)-
Ratios (computed)
2024
Current ratio5.61
Quick ratio0.21
Working capital ratio82.2%
Solvency-15.7%
Debt / equity-7.38
Long-term debt ratio-6.24
Interest coverage-
Gross margin-
Net margin-
ROA-8.1%
ROE51.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover0.00
Days inventory (DSI)127759d
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€193k
Current assets 29/58€193k
Stocks & contracts in progress 3€186k
Amounts receivable within one year 40/41€7k
Cash & bank 54/58€184
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€193k
Equity 10/15€-30k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€-40k
Amounts payable 17/49€223k
Amounts payable after one year 17€189k
Amounts payable within one year 42/48€34k
Income statement
Gross operating margin 9900€-64
Operating result 9901€-448
Financial charges 65€15k
Result before taxes 9903€-16k
Net result for the period 9904€-16k
Result to be appropriated 9905€-16k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • ROMANO Luca
    Director
    State Gazette act 25131180 (15-10-2025)
    Former
    - → 01-07-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Construction of buildings(41001)
Legal form Private limited company(610)
Incorporation15-03-2022
StatusActive
Postal code5600
Establishment units 1 location
Petite-Suisse(VEF) 20, 5600 Philippeville
Ontwikkeling van residentiële bouwprojecten
since 20222.331.491.010
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
93083A0013/00Y006 Wallonia 1,331 m² 1 · 135 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
15-10-2025
State Gazette act Director changes
v3.2
17-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
04-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
10-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
17-03-2022
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 9 months ago
2025
15-10-2025 ROMANO Luca resigns as director Director changes
  • ROMANO Luca, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "ROMANO Luca",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-07-01",
      "evidence_quote": "A l\u0027unanimit\u00E9, les actionnaires marquent leur accord sur la d\u00E9mission en qualit\u00E9 d\u0027administrateur de: - Monsieur ROMANO Luca - 96.06.02-219.33"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0783.439.997",
    "name_full": "PFR IMMO",
    "legal_form": "SRL"
  }
}
2022
17-03-2022 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "5600 Philippeville (Villers en Fagne), Petite Suisse, 20",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1972-11-14",
        "name": "ROMANO Pasquale",
        "niss": null,
        "address": "5600 Philippeville, Petite-Suisse, 20"
      },
      "share_class": "nominative",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 5010.0,
      "holder_person_name": "ROMANO Pasquale",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 5010.0,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1996-06-02",
        "name": "ROMANO Luca",
        "niss": null,
        "address": "6200 Ch\u00E2telet, Rue Neuve, 36"
      },
      "share_class": "nominative",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 5010.0,
      "holder_person_name": "ROMANO Luca",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 5010.0,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 10020.0,
  "subject_company": {
    "kbo": "0783.439.997",
    "name_full": "PFR IMMO",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2022-03-15",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201
Primary activity highlighted.
Names & trade names
Legal nameFR PFR IMMO
Registered office
Petite-Suisse(VEF) 20
5600 Philippeville, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative