PJL TARGETS
ActiveSummary
The annual accounts of PJL TARGETS for fiscal year 2025 show a net loss of 105% of total assets and of 65% of the equity at the start of that year. The 2025 annual accounts show equity of €11k and a net result of €-20k. Equity is shrinking by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 2043 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-69
Solvency83▼-17
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.74 against 7.43 in 2024; short-term debt: 19.5% and cash: 6.7% of total assets), and 42.4% of the assets are financed with debt.
Credit advice for your own amount and term
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 85
Relative position
BE, all sectors
reference
Sector 85
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
57.6%
Return on assets
-105%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
2 d early
2023
6 d early
2022
7 d early
2021
25 d early
2020
33 d early
2019
31 d early
← 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
Turnover
€0
2021 · €0
2021: €0
2021 → 2022
Total assets
€19k▼ 51.9%
2024 · €39k
2018: €55k
2019: €47k
2020: €55k
2021: €64k
2022: €52k
2023: €38k
2024: €39k
2018 → 2025
Net result
€-20k
2024 · €88
2018: €8k
2019: €-4k
2020: €11k
2021: €13k
2022: €-6k
2023: €-10k
2024: €88
2018 → 2025
Working capital
€10k▼ 62.5%
2024 · €27k
2018: €39k
2019: €38k
2020: €42k
2021: €50k
2022: €35k
2023: €26k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0
Equity€53k-€41k▼ 23.3%€30k▼ 25.3%€30k▲ 0.3%€11k▼ 64.6%
Operating result€14k-€-6k€-10k▼ 61.5%€189€-19k
Net result€13k-€-6k€-10k▼ 62.9%€88€-20k
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 €19k after €189 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€5k ▼ 36.9%
Current assets
€14k ▼ 55.7%
Equity and liabilities €19k
Equity
€11k ▼ 64.6%
Debt
€8k ▼ 5.9%
Debt's share of the balance-sheet total rises from 21.7% to 42.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-16k▼
2024 · €4k
Cash flow
€-17k▼
2024 · €3k
Current ratio
3.74▼
2024 · 7.43
Quick ratio
0.98▲
2024 · 0.94
Debt to equity
0.74▲
2024 · 0.28
ROE
-182.4%▼
2024 · 0.3%
ROA
-105.0%▼
2024 · 0.2%
Interest coverage
-47.35▼
2024 · 35.59
Debt ≤ 1 year
€4k▼
2024 · €4k
Debt > 1 year
€4k=
2024 · €4k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€39k€19k▼
Fixed assets21/28€8k€5k▼
Intangible fixed assets21€400-
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€317-
Current assets29/58€31k€14k▼
Stocks and contracts in progress3€27k€10k▼
Stocks30/36€27k€10k▼
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€2k€750▼
Other amounts receivable41€110€897▲
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€316€660▲
Equity and liabilities
Total equity and liabilities10/49€39k€19k▼
Equity10/15€30k€11k▼
Contributions10/11€6k€6k=
Reserves13€24k-
Distributable reserves133€24k-
Profit (loss) carried forward14€281€5k▲
Amounts payable17/49€8k€8k▼
Amounts payable after more than one year17€4k€4k=
Financial debts170/4€4k€4k=
Amounts payable within one year42/48€4k€4k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€692€620▼
Gross operating margin9900€4k€-16k▼
Operating profit (loss)9901€189€-19k▼
Financial charges65/66B€101€345▲
Recurring financial charges65€101€345▲
Profit (loss) for the period before taxes9903€88€-20k▼
Profit (loss) for the period9904€88€-20k▼
Profit (loss) for the period to be appropriated9905€88€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€281€-19k▼
Profit (loss) brought forward from the previous period14P€193€281▲
Transfer from equity791/2-€24k
The notes to these accounts (8 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k ▼22253%
Net result drops to €-20k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €88
Net result €88 after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 16.59
Current ratio from 4.15 to 16.59; short-term debt falls from €11k to €2k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €13k ▲13.7%
Operating result €14k, net result €13k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Anderlues · 1 establishment unit since 2015
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.
Rue des Trieux 776150 AnderluesGround area
2,856 m²
Building footprint
244 m²
Volume, LiDAR
886 m³
2 parcels, Wallonia · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PJL TARGETS
since 20152.237.938.963
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56001A0274/00V000 | Wallonia | 1,806 m² | 1 · 103 m² | 5.0 m · 1 fl. |
| 62059C0149/00K000 | Wallonia | 1,050 m² | 1 · 141 m² | 6.7 m · 1 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.
Similar companies · same sector, comparable size
TINE BECKERS, HUISARTS
BE 0732.634.565
Herk-de-Stad · Eq €10,678
Marijke Cornelis
BE 0764.605.864
Gent · Eq €10,817
PREFRONTALITY
BE 0826.032.796
Rixensart · Eq €10,821
Onki
BE 0758.864.949
Edegem · Eq €10,625
YA-COURS
BE 0833.731.925
Brussel · Eq €10,617
Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 781 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
Founded06-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
46180Agents specialised in the wholesale of other particular products
47120Other non-specialised retail sale
47789Other retail sale of new goods
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.pjltargets.com
E-mail:info@pjltargets.com