PGJCL IMMO
ActivePGJCL IMMO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.76M and a net result of €810k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 4504 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency13▲+7
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity short (current ratio 0.55 against 0.33 in 2024), and 83.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
16.8%
Return on assets
7.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
68 d late
2023
on the day
2022
30 d late
2021
31 d late
2020
61 d late
2019
20 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€810k
2024 · €-340k
2018: €-25k
2019: €-36k
2020: €-320k
2021: €-87k
2022: €-22k
2023: €-250k
2024: €-340k
2018 → 2025
Working capital
€-1.47M▲ 54.5%
2024 · €-3.23M
2018: €-442k
2019: €-447k
2020: €-7.36M
2021: €-1.88M
2022: €-2.50M
2023: €-2.93M
2024: €-3.23M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.56M-€1.54M▼ 1.4%€1.29M▼ 16.2%€954k▼ 26.3%€1.76M▲ 84.9%
Operating result€82k-€101k▲ 23.0%€-42k€-80k▼ 92.7%€1.39M
Net result€-87k-€-22k▲ 75.0%€-250k▼ 1,052%€-340k▼ 36.0%€810k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1.39M after a loss of €80k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.49M
Fixed assets
€8.67M▼ 6.6%
Current assets
€1.82M▲ 15.8%
Equity and liabilities €10.49M
Equity
€1.76M▲ 84.9%
Provisions
€1.10M▲ 45.2%
Debt
€7.63M▼ 16.5%
The debt ratio falls from 84.3% to 72.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.77M▲
2024 · €316k
Cash flow
€1.18M▲
2024 · €57k
Solvency
16.8%▲
2024 · 8.8%
Current ratio
0.55▲
2024 · 0.33
Quick ratio
0.11▲
2024 · 0.08
Debt / equity
4.33▼
2024 · 9.59
ROE
45.9%▲
2024 · -35.6%
ROA
7.7%▲
2024 · -3.1%
Interest coverage
7.31▲
2024 · 1.17
Debt
€7.63M▼
2024 · €9.14M
Debt ≤ 1 year
€3.29M▼
2024 · €4.80M
Debt > 1 year
€4.34M=
2024 · €4.34M
Income taxes
€452▼
2024 · €476
Staff costs
€36k▼
2024 · €37k
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€10.85M€10.49M▼
Fixed assets21/28€9.28M€8.67M▼
Tangible fixed assets22/27€9.28M€8.67M▼
Land and buildings22€9.25M€8.64M▼
Plant, machinery and equipment23€472€212▼
Furniture and vehicles24€30k€22k▼
Financial fixed assets28-€2k
Current assets29/58€1.57M€1.82M▲
Stocks and contracts in progress3€1.19M€1.45M▲
Stocks30/36€1.19M€1.45M▲
Amounts receivable within one year40/41€369k€369k=
Trade receivables40€2k€2k=
Other amounts receivable41€367k€367k=
Cash at bank and in hand54/58€14k-
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€10.85M€10.49M▼
Equity10/15€954k€1.76M▲
Contributions10/11€607k€607k=
Capital10€607k€607k=
Issued capital100€607k€607k=
Reserves13€1.41M€2.44M▲
Non-distributable reserves130/1€33k€33k=
Legal reserve130€33k€33k=
Tax-exempt reserves132€755k€1.79M▲
Distributable reserves133€617k€617k=
Profit (loss) carried forward14€-1.06M€-1.29M▼
Provisions and deferred taxes16€754k€1.10M▲
Deferred taxes168€754k€1.10M▲
Amounts payable17/49€9.14M€7.63M▼
Amounts payable after more than one year17€4.34M€4.34M=
Financial debts170/4€4.34M€4.34M=
Amounts payable within one year42/48€4.80M€3.29M▼
Current portion of amounts payable after more than one year42€4.58M€2.41M▼
Financial debts43-€663k
Credit institutions430/8-€663k
Trade debts44€95k€33k▼
Suppliers440/4€95k€33k▼
Taxes, remuneration and social security45€13k€15k▲
Taxes450/3€10k€8k▼
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€117k€171k▲
Accrued charges and deferred income492/3€700-
Income statement
Code20242025
Remuneration, social security and pensions62€37k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€397k€374k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-263-
Other operating charges640/8€63k€62k▼
Gross operating margin9900€415k€1.86M▲
Operating profit (loss)9901€-80k€1.39M▲
Financial income75/76B€24€38▲
Recurring financial income75€24€38▲
Financial charges65/66B€279k€242k▼
Recurring financial charges65€270k€242k▼
Non-recurring financial charges66B€9k-
Profit (loss) for the period before taxes9903€-360k€1.15M▲
Transfer from deferred taxes780€21k€21k=
Transfer to deferred taxes680-€362k
Income taxes67/77€476€452▼
Profit (loss) for the period9904€-340k€810k▲
Transfer from tax-exempt reserves789€48k€48k=
Transfer to tax-exempt reserves689-€1.09M
Profit (loss) for the period to be appropriated9905€-292k€-228k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.06M€-1.29M▼
Profit (loss) brought forward from the previous period14P€-767k€-1.06M▼
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (13 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
31-12
Financial
Back to profitnet €810k
Net result €810k after 7 loss-making years.
31-12
Financial
Equity above €1MEq €1.76M ▲84.9%
Equity rises from €954k to €1.76M.
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 68 days late
2024
31-12
Financial
Weakest financial yearnet €-340k
Net result drops to €-340k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-12
Financial
Equity above €1MEq €1.37M ▲267%
Equity rises from €374k to €1.37M.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 49 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Leuven · 1 establishment unit since 1997
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.
Naamsestraat 1853000 LeuvenGround area
429 m²
Building footprint
297 m²
Volume, LiDAR
3,288 m³
2 parcels, Flanders · tallest building 19.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
P. en A. Moureau
since 19972.079.843.514
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502C0491/00K000 | Flanders | 229 m² | 1 · 97 m² | 13.6 m · 4 fl. |
| 24504D1128/00D000 | Flanders | 200 m² | 1 · 200 m² | 19.0 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 4,402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-12-1996
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.