PFS Construct
ActiveSummary
PFS Construct has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-11k) and a net result of €-32k. Its solvency ranks better than 5% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-76
Solvency0▼-44
Growth32
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.61 against 1.14 in 2024; short-term debt: 143.1% and cash: 7% of total assets), and equity is negative.
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
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-43.1%
Return on assets
-123.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-11k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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
21 d late
2024
42 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-11k
2024 · €21k
2024: €21k
2024 → 2025
Total assets
€26k▼ 76.6%
2024 · €112k
2024: €112k
2024 → 2025
Net result
€-32k
2024 · €7k
2024: €7k
2024 → 2025
Working capital
€-14k
2024 · €13k
2024: €13k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€21k-€-11k
Operating result€19k-€-32k
Net result€7k-€-32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €32k after €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€3k ▼ 61.9%
Current assets
€23k ▼ 77.8%
Key figures and ratios
EBITDA
€-27k▼
2024 · €24k
Cash flow
€-27k▼
2024 · €12k
Solvency
-43.1%▼
2024 · 18.9%
Current ratio
0.61▼
2024 · 1.14
Debt to equity
-3.32▼
2024 · 4.30
ROA
-123.8%▼
2024 · 6.2%
Interest coverage
-378.14▼
2024 · 160.21
Debt
€38k▼
2024 · €91k
Debt ≤ 1 year
€38k▼
2024 · €91k
Income taxes
€176▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€112k€26k▼
Fixed assets21/28€8k€3k▼
Tangible fixed assets22/27€8k€3k▼
Furniture and vehicles24€8k€3k▼
Financial fixed assets28€374€374=
Current assets29/58€104k€23k▼
Amounts receivable within one year40/41€100k€21k▼
Trade receivables40€100k€19k▼
Other amounts receivable41€627€2k▲
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€112k€26k▼
Equity10/15€21k€-11k▼
Profit (loss) carried forward14€21k€-11k▼
Amounts payable17/49€91k€38k▼
Amounts payable within one year42/48€91k€38k▼
Trade debts44€80k€30k▼
Suppliers440/4€80k€30k▼
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€800-
Other amounts payable47/48€831€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€124-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€2k€186▼
Gross operating margin9900€26k€-27k▼
Operating profit (loss)9901€19k€-32k▼
Financial charges65/66B€148€72▼
Recurring financial charges65€148€72▼
Profit (loss) for the period before taxes9903€19k€-32k▼
Income taxes67/77€12k€176▼
Profit (loss) for the period9904€7k€-32k▼
Profit (loss) for the period to be appropriated9905€7k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-11k▼
Profit (loss) brought forward from the previous period14P€14k€21k▲
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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
NBB filing
Directors · office · real estate
Directors
3 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, Sint-Pieters-Leeuw · 1 establishment unit since 2021
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.
Gieterijstraat 531601 Sint-Pieters-LeeuwGround area
1,042 m²
Building footprint
167 m²
Volume, LiDAR
1,495 m³
Parcel 23069A0191/00C002, Flanders · tallest building 15.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PFS Construct
since 20212.330.469.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23069A0191/00C002 | Flanders | 1,042 m² | 1 · 167 m² | 15.8 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.
Similar companies · same sector, comparable size
ARPER MANAGEMENT
BE 0675.729.714
Zemst · Eq €21,163
RENO-MIX
BE 0817.935.375
Brussel · Eq €21,133
AMBI-BAT
BE 0691.634.150
Theux · Eq €21,126
ACG Renov
BE 0597.813.572
Sint-Pieters-Woluwe · Eq €21,218
GK CONSTRUCT
BE 0697.812.357
Sint-Pieters-Leeuw · Eq €21,122
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,275 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formGeneral partnership
Founded03-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.