PG Building Services
ActiveSummary
PG Building Services has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €-3k. Equity is shrinking by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+39
Solvency99▼-1
Growth32=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.08 in 2024; short-term debt: 26.1% and cash: 41.1% of total assets), and 26.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
73.9%
Return on assets
-14.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-3k
neutral · Filed after the deadline
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. 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
1 d early
2023
30 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 16.4%
2024 · €17k
2023: €22k
2024: €17k
2023 → 2025
Total assets
€19k▼ 15.4%
2024 · €23k
2023: €59k
2024: €23k
2023 → 2025
Net result
€-3k▲ 42.7%
2024 · €-5k
2023: €20k
2024: €-5k
2023 → 2025
Working capital
€3k▲ 543%
2024 · €481
2023: €2k
2024: €481
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€17k▼ 22.3%€14k▼ 16.4%
Operating result€28k-€-5k€-3k▲ 44.9%
Net result€20k-€-5k€-3k▲ 42.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€11k ▼ 32.5%
Current assets
€8k ▲ 29.9%
Equity and liabilities €19k
Equity
€14k ▼ 16.4%
Debt
€5k ▼ 12.5%
Debt's share of the balance-sheet total rises from 25.3% to 26.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▲
2024 · €205
Cash flow
€3k▲
2024 · €60
Current ratio
1.61▲
2024 · 1.08
Debt to equity
0.35▲
2024 · 0.34
ROE
-19.6%▲
2024 · -28.6%
ROA
-14.5%▲
2024 · -21.4%
Interest coverage
24.90▲
2024 · 1.41
Debt ≤ 1 year
€5k▼
2024 · €6k
Income taxes
€75▲
2024 · €0
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€23k€19k▼
Fixed assets21/28€17k€11k▼
Tangible fixed assets22/27€16k€10k▼
Plant, machinery and equipment23€531€83▼
Furniture and vehicles24€15k€10k▼
Financial fixed assets28€800€800=
Current assets29/58€6k€8k▲
Amounts receivable within one year40/41€546€0▼
Trade receivables40€0-
Other amounts receivable41€546€0▼
Cash at bank and in hand54/58€6k€8k▲
Deferred charges and accrued income490/1€180€191▲
Equity and liabilities
Total equity and liabilities10/49€23k€19k▼
Equity10/15€17k€14k▼
Contributions10/11€3k€3k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€-5k€-8k▼
Amounts payable17/49€6k€5k▼
Amounts payable within one year42/48€6k€5k▼
Trade debts44€69€234▲
Suppliers440/4€69€234▲
Taxes, remuneration and social security45€0€149▲
Taxes450/3€0€149▲
Other amounts payable47/48€6k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€180€284▲
Gross operating margin9900€385€3k▲
Operating profit (loss)9901€-5k€-3k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€145€113▼
Recurring financial charges65€145€113▼
Profit (loss) for the period before taxes9903€-5k€-3k▲
Income taxes67/77€0€75▲
Profit (loss) for the period9904€-5k€-3k▲
Profit (loss) for the period to be appropriated9905€-5k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-8k▼
Profit (loss) brought forward from the previous period14P-€-5k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Deinze · 1 establishment unit since 2023
Ground area
559 m²
Building footprint
148 m²
Volume, LiDAR
628 m³
Parcel 44030B0373/00B002, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PG Building Services
since 20232.341.813.293
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44030B0373/00B002 | Flanders | 559 m² | 1 · 148 m² | 9.9 m · 1 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
SPECIMEN architects sprl
BE 0555.986.281
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DBLV architecten
BE 0750.516.120
Gent · Eq €14,328
Architect Dimitri Vermeire
BE 0799.090.156
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MUIS
BE 0835.494.058
Dendermonde · Eq €14,321
PIRE & GOOTS ARCHITECT/E
BE 0874.098.969
Brussel · Eq €14,306
Of 18,255 companies in sector 71111 we hold annual accounts for 6,323. 4,009 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 formPrivate limited company
Founded16-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.