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PGDDB

Active
Private limited companyfounded 20214 yrs activeRue Champ du Moulin(BUV) 6A2, 7133 Binche, BelgiumKBO/BCE: BE 0775.533.806
Summary

PGDDB has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €491,862 and a net result of €171,464. Equity is growing by ~51.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 19918 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability100=
Solvency96▲+13
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 12.55 against 5.45 in 2023; short-term debt: 4.7% and cash: 14.8% of total assets), and 28.7% of the assets are financed with debt.
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Signals

Five 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
71.3%
Return on assets
24.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
not confirmed
2024
27 d early
2023
20 d late
2022
36 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 8 October 2021, PGDDB was incorporated as a Private limited company.1 Total assets went from EUR 173,286 in 2022 to EUR 689,838 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€491,862▲ 53.5%
2023 · €320,398
Total assets
€689,838▲ 24.0%
2023 · €556,269
Net result
€171,464▲ 9.3%
2023 · €156,922
Working capital
€378,353▲ 67.6%
2023 · €225,747
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202220232024
Operating result€215,330-€224,077▲ 4.1%€248,215▲ 10.8%
Net result€160,477above the sector's middle half-€156,922above the sector's middle half▼ 2.2%€171,464above the sector's middle half▲ 9.3%
Equity€163,477within the sector's middle half-€320,398within the sector's middle half▲ 96.0%€491,862above the sector's middle half▲ 53.5%
Total assets€173,286within the sector's middle half-€556,269within the sector's middle half▲ 221%€689,838above the sector's middle half▲ 24.0%
Debt€9,810-€235,871▲ 2,304%€197,976▼ 16.1%
Working capital€162,816-€225,747▲ 38.7%€378,353▲ 67.6%
Solvency94.3%above the sector's middle half-57.6%within the sector's middle half▼ 36.7pp71.3%within the sector's middle half▲ 13.7pp
above within below the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€100,000€200,000Operating result 2022: €215,330€215,330Net result 2022: €160,477€160,477Operating result 2023: €224,077€224,077Net result 2023: €156,922€156,922Operating result 2024: €248,215€248,215Net result 2024: €171,464€171,464202220232024€0€100,000€200,000Operating result 2022: €215,330€215,000Net result 2022: €160,477€160,000Operating result 2023: €224,077€224,000Net result 2023: €156,922€157,000Operating result 2024: €248,215€248,000Net result 2024: €171,464€171,000202220232024
The operating result has risen two years in a row; 2024 is 11% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €689,838
Fixed assets €278,734 ▼ 0.4%
Current assets €411,104 ▲ 48.7%
Equity and liabilities €689,838
Equity €491,862 ▲ 53.5%
Debt €197,976 ▼ 16.1%
Debt's share of the balance-sheet total falls from 42.4% to 28.7%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€249,308▲
2023 · €224,894
Cash flow
€172,556▲
2023 · €157,738
Current ratio
12.55▲
2023 · 5.45
Debt to equity
0.40▼
2023 · 0.74
ROE
34.9%▼
2023 · 49.0%
ROA
24.9%▼
2023 · 28.2%
Interest coverage
35.48▲
2023 · 33.20
Debt ≤ 1 year
€32,750▼
2023 · €50,695
Debt > 1 year
€165,226▼
2023 · €185,176
Income taxes
€69,758▲
2023 · €60,383
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,128 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 97% are still going.

  • Small
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.8% went bankrupt
1.9% stopped otherwise
97% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,128 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet Code20232024
Assets
Total assets20/58€556,269€689,838▲
Fixed assets21/28€279,827€278,734▼
Tangible fixed assets22/27€2,224€1,131▼
Furniture and vehicles24€2,224€1,131▼
Financial fixed assets28€277,603€277,603=
Current assets29/58€276,442€411,104▲
Amounts receivable within one year40/41€55,000€268,572▲
Other amounts receivable41€55,000€268,572▲
Current investments50/53€9,000€15,033▲
Cash at bank and in hand54/58€177,491€102,127▼
Deferred charges and accrued income490/1€34,951€25,371▼
Equity and liabilities
Total equity and liabilities10/49€556,269€689,838▲
Equity10/15€320,398€491,862▲
Contributions10/11€3,000€3,000=
Reserves13€100,000€185,000▲
Distributable reserves133€100,000€185,000▲
Profit (loss) carried forward14€217,398€303,862▲
Amounts payable17/49€235,871€197,976▼
Amounts payable after more than one year17€185,176€165,226▼
Financial debts170/4€185,176€165,226▼
Amounts payable within one year42/48€50,695€32,750▼
Current portion of amounts payable after more than one year42€19,248€19,950▲
Trade debts44€3,675€132▼
Suppliers440/4€3,675€132▼
Taxes, remuneration and social security45€26,272€10,883▼
Taxes450/3€26,272€10,883▼
Other amounts payable47/48€1,500€1,785▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€817€1,092▲
Other operating charges640/8€1,181€1,947▲
Gross operating margin9900€226,074€251,255▲
Operating profit (loss)9901€224,077€248,215▲
Financial income75/76B€1€34▲
Recurring financial income75€1€34▲
Financial charges65/66B€6,773€7,027▲
Recurring financial charges65€6,773€7,027▲
Profit (loss) for the period before taxes9903€217,305€241,222▲
Income taxes67/77€60,383€69,758▲
Profit (loss) for the period9904€156,922€171,464▲
Profit (loss) for the period to be appropriated9905€156,922€171,464▲
Appropriation of the result
Profit (loss) to be appropriated9906€267,398€388,862▲
Profit (loss) brought forward from the previous period14P€110,477€217,398▲
Transfer to equity691/2€50,000€85,000▲
To other reserves6921€50,000€85,000▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€321€817€1,092▲ 33.8%
Other operating charges640/8€1,249€1,181€1,947▲ 64.9%
Gross operating margin9900€216,901€226,074€251,255▲ 11.1%
Operating profit (loss)9901€215,330€224,077€248,215▲ 10.8%
Financial income75/76B-€1€34▲ 4,053%
Recurring financial income75-€1€34▲ 4,053%
Financial charges65/66B€90€6,773€7,027▲ 3.7%
Recurring financial charges65€90€6,773€7,027▲ 3.7%
Profit (loss) for the period before taxes9903€215,240€217,305€241,222▲ 11.0%
Income taxes67/77€54,764€60,383€69,758▲ 15.5%
Profit (loss) for the period9904€160,477€156,922€171,464▲ 9.3%
Profit (loss) for the period to be appropriated9905€160,477€156,922€171,464▲ 9.3%
Line202220232024Change
Assets
Total assets20/58€173,286€556,269€689,838▲ 24.0%
Fixed assets21/28€661€279,827€278,734▼ 0.4%
Tangible fixed assets22/27€558€2,224€1,131▼ 49.1%
Furniture and vehicles24€558€2,224€1,131▼ 49.1%
Financial fixed assets28€103€277,603€277,603=
Current assets29/58€172,625€276,442€411,104▲ 48.7%
Amounts receivable within one year40/41€3,000€55,000€268,572▲ 388%
Other amounts receivable41€3,000€55,000€268,572▲ 388%
Current investments50/53€3,000€9,000€15,033▲ 67.0%
Cash at bank and in hand54/58€166,625€177,491€102,127▼ 42.5%
Deferred charges and accrued income490/1-€34,951€25,371▼ 27.4%
Equity and liabilities
Total equity and liabilities10/49€173,286€556,269€689,838▲ 24.0%
Equity10/15€163,477€320,398€491,862▲ 53.5%
Contributions10/11€3,000€3,000€3,000=
Reserves13€50,000€100,000€185,000▲ 85.0%
Distributable reserves133€50,000€100,000€185,000▲ 85.0%
Profit (loss) carried forward14€110,477€217,398€303,862▲ 39.8%
Amounts payable17/49€9,810€235,871€197,976▼ 16.1%
Amounts payable after more than one year17-€185,176€165,226▼ 10.8%
Financial debts170/4-€185,176€165,226▼ 10.8%
Amounts payable within one year42/48€9,810€50,695€32,750▼ 35.4%
Current portion of amounts payable after more than one year42-€19,248€19,950▲ 3.6%
Trade debts44€3,046€3,675€132▼ 96.4%
Suppliers440/4€3,046€3,675€132▼ 96.4%
Taxes, remuneration and social security45€6,764€26,272€10,883▼ 58.6%
Taxes450/3€6,764€26,272€10,883▼ 58.6%
Other amounts payable47/48-€1,500€1,785▲ 19.0%
Line202220232024Change
Profit (loss) for the period9904€160,477€156,922€171,464▲ 9.3%
+ Depreciation and write-downs630€321€817€1,092▲ 33.8%
Operating cash flow (approximation)€160,798€157,738€172,556▲ 9.4%
Investment in fixed assets (approximation)--€279,982€0▲ 100%
Change in cash-€10,866-€75,364▼ 794%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
04-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Highest result since 2022net €171,464 ▲9.3%
Operating result €248,215, net result €171,464, both a record.
31-12
Financial Liquidity doublescurrent ratio 12.55
Current ratio from 5.45 to 12.55; short-term debt falls from €50,695 to €32,750.
20-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial Weakest financial yearnet €156,922 ▼2.2%
Net result drops to €156,922, the lowest in the series; recovery starts the following year.
31-12
Financial Equity above €200,000Eq €320,398 ▲96%
2 profitable years in a row build equity to €320,398.
05-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 36 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, Binche · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
1,395 m²
Building footprint
382 m²
Volume, LiDAR
2,574 m³
2 parcels, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Place du Centenaire(BIN) 2, 7130 Binche
General medical practice
since 20212.323.450.403
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56014A0058/00L002 Wallonia 1,004 m² 1 · 322 m² 8.8 m · 2 fl.
56011D0127/00W011 Wallonia 392 m² 1 · 60 m² 12.2 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

2 holdings

Owners 0

The accounts to 31-12-2024 list no shareholders, and no other source names one.

Holdings 2

According to the 2024 annual accounts of PGDDB and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 9,128 companies in sector 86210 we hold annual accounts for 6,335. 4,910 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded08-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Contact
E-mail xa.bruyere@gmail.com
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.