PILOFT2
ActiveSummary
PILOFT2 has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€3,682) and a net result of -€50. Equity is shrinking by about 49% per year across the filed financial years. Its solvency ranks better than 20% of 1,593 sector peers (NACE 55, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Overview
- Equity
- -€3,682
- Loss
- -€50
Why 54raises riskCapped at 59: negative equityFounded in 20221 of the last 3 lateNegative equity -€3,682lowers riskLiquidity: current ratio 0.88, cash €9,684Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 55, micro): better than 20% on solvency, 41% on liquidity, 32% on profitability and 43% on growth.
The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 3 accounts on average 9 days after the deadline; the sector median (NACE 55) for financial year 2024 is 1 day before the deadline, and 45% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet -€3,532
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years
The operating result stays negative: a loss of €59 in 2025 against €3,401 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 55, Accommodation: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital.
Peer companies
Historical observationOf the 1,555 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 91.6% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a small loss
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 1,555 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.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €2,721 | €3,061 | - | - |
| Other operating charges640/8 | €339 | €340 | €342 | ▲ 0.7% |
| Gross operating margin9900 | -€2,721 | -€3,061 | €284 | - |
| Operating profit (loss)9901 | -€3,060 | -€3,401 | -€59 | ▲ 98.3% |
| Financial income75/76B | - | - | €9 | - |
| Recurring financial income75 | - | - | €9 | - |
| Financial charges65/66B | €41 | €130 | €0 | ▼ 100% |
| Recurring financial charges65 | €41 | €130 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | -€3,101 | -€3,532 | -€50 | ▲ 98.6% |
| Profit (loss) for the period9904 | -€3,101 | -€3,532 | -€50 | ▲ 98.6% |
| Profit (loss) for the period to be appropriated9905 | -€3,101 | -€3,532 | -€50 | ▲ 98.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €663 | €3,252 | €28,078 | ▲ 763% |
| Current assets29/58 | €663 | €3,252 | €28,078 | ▲ 763% |
| Amounts receivable within one year40/41 | €0 | €0 | €18,394 | - |
| Trade receivables40 | - | - | €18,394 | - |
| Other amounts receivable41 | €0 | €0 | - | - |
| Cash at bank and in hand54/58 | €663 | €2,452 | €9,684 | ▲ 295% |
| Deferred charges and accrued income490/1 | - | €800 | €0 | ▼ 100% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €663 | €3,252 | €28,078 | ▲ 763% |
| Equity10/15 | -€101 | -€3,632 | -€3,682 | ▼ 1.4% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€3,101 | -€6,632 | -€6,682 | ▼ 0.7% |
| Amounts payable17/49 | €764 | €6,885 | €31,760 | ▲ 361% |
| Amounts payable within one year42/48 | €508 | €6,627 | €31,760 | ▲ 379% |
| Trade debts44 | €0 | €340 | €13,324 | ▲ 39× |
| Suppliers440/4 | €0 | €340 | €13,324 | ▲ 39× |
| Other amounts payable47/48 | €508 | €6,287 | €18,437 | ▲ 193% |
| Accrued charges and deferred income492/3 | €256 | €258 | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,101 | -€3,532 | -€50 | ▲ 98.6% |
| Operating cash flow (approximation) | -€3,101 | -€3,532 | -€50 | ▲ 98.6% |
| Change in cash | - | €1,789 | €7,231 | ▲ 304% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-08-2025 | micro format | 31-03-2026 | 2026-00067045 |
| 31-08-2024 | micro format | 24-03-2025 | 2025-00052519 |
| 31-08-2023 | micro format | 03-05-2024 | 2024-00080654 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| BARNABÉ Julian René Dominique Christian |
|
| CHARLOT Frédéric Charles Michel Marie |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 connected companiesThe connected companies are in the list below.
History
Acts, filings and financial milestones
27-10
Gazette deed
Registered officeRegistered-office move2 facts ▸
- General meeting, 31-08-2023
- Registered-office move, rue de Seraing,3 4020 Liège
29-08
Gazette deed
IncorporationAppointments: CHARLOT Frédéric Charles Michel Marie (director) and BARNABÉ Julian René Dominique Christian (director) · Founder · Founding capital14 facts ▸
- Incorporation, 25-08-2022
- Founder, CHARLOT Frédéric Charles Michel Marie
- Founder, BARNABÉ Julian René Dominique Christian
- Founding capital, €3,000
- Other provision, 19-08-2022
- Bank account, 3000, “BE56 0689 4614 4188” (deed in French)
- Other provision, “attestation notariale, effectués conformément au Code des sociétés et des associations” (deed in French)
- Other provision, “arrêt des statuts” (deed in French)
- Capital
- Registered office clause, “4020 Liège, rue d’Harscamp”, 48/001 (deed in French)
- Other provision, “site internet adresse électronique, ne pas souhaiter créer pour linstant au nom société” (deed in French)
- Director appointment, CHARLOT Frédéric Charles Michel Marie (director)
- +2 further facts in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62817B0624/00X002 | Wallonia | 519 m² | 1 · 462 m² | 7.9 m · 1 |
| 62817B0625/00H002 | Wallonia | 255 m² | 1 · 123 m² | 15.0 m · 5 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Toutes opérations immobilières au sens le plus large du terme et notamment assurer la gestion de tous biens immobiliers,intervenir en…” (deed in French)
4 activities (deed in French)
- Toutes opérations immobilières au sens le plus large du terme et notamment assurer la gestion de tous biens immobiliers,intervenir en matière de conseils en réalisation immobilière,assurer ou coordonner la réalisation de projets immobiliers,acheter et vendre tout immeuble,droit,obligation et titre immobilier,ériger des immeubles,les aménager,les décorer,les prendre ou les donners en locations,consentir ou prendre des droits d’enmphytéose ou de superficie,faire tous travaux en vue de rendre des immeubles rentables,lotirs des terrains,conclure tous contrats de leasing,etc,…
- Le conseil et l'assistance aux entreprises et aux services publics en matière de planification,d'organisation,de recherche du rendement,de contrôle et d'information de gestion,ainsi que les calculs des coûts et profits des mesures proposées en matière de planification,d'organisation et de rendement.Elle pourra également effectuer des prestations de management et de direction d'entreprise ainsi que des prestations de conseil en management et en gestion,en stratégie,en organisation,en innovation et en développement d'entreprise,ainsi que réaliser des prestations administratives pour comptes de tiers;
- Elle pourra accomplir toutes opérations généralement quelconques,commerciales,industrielles,financières,mobilières ou immobilières se rapportant directement ou indirectement,à son objet social,ou qui seraient de nature à en faciliter directement ou indirectement,entièrement ou partiellement la réalisation.
- Elle pourra s’intéresser par voie d’apport,de fusion,d’association,de souscription,de participation financière ou s’intéresser autrement,sous quelque forme que ce soit,dans toutes sociétés ou entreprises existantes ou à créer,ayant un objet identique,analogue ou connexe au sien,ou à faciliter ou favoriser la réalisation de son objet social,ainsi qu’à lui élargir sa clientèle ; affaires,sociétés ou entreprises dont la collaboration serait jugée utile à la réalisation de son objet social.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- PILOFT2
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, transfert en tout endroit de cette région ou de toute Région de langue française par simple décision de l’organe…” (deed in French)“Établir ou supprimer des sièges d’exploitation par simple décision de l’organe d’administration pour autant que sans changement de régime…” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, un ou plusieurs administrateurs” (deed in French)“Fixe ou proportionnelle, frais généraux indépendamment frais représentation, voyages et déplacements” (deed in French)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Mêmes formalités si non actionnaires de plein droit, libre cession tout ou partie” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- One provision in the deed
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Décision de l’assemblée générale délibérant comme en matière de modification des statuts” (deed in French)“Tout temps, assemblée générale formes modifications statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Désigner un ou plusieurs fixer pouvoirs émoluments, administrateurs en fonction si aucun autre désigné” (deed in French)