PM-ADVIES
ActivePM-ADVIES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €144k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency9▼-81
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.86 against 1.75 in 2024), and 98% 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+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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 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
2%
Return on assets
52.2%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 9380 sector peers (2025).
NBB · sector comparisonPosition among 9380 sector peers
Solvency
better than 10%
← weakest
strongest →
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 10-03-2026, 143 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
143 d early
2024
50 d early
2023
42 d early
2022
56 d early
2021
48 d early
2020
31 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 97.1%
2024 · €193k
2020: €102k
2021: €210k
2022: €296k
2023: €328k
2024: €193k
2020 → 2025
Total assets
€275k▼ 25.8%
2024 · €370k
2020: €137k
2021: €254k
2022: €352k
2023: €391k
2024: €370k
2020 → 2025
Net result
€144k▼ 22.1%
2024 · €184k
2020: €97k
2021: €108k
2022: €86k
2023: €132k
2024: €184k
2020 → 2025
Working capital
€-37k
2024 · €133k
2020: €100k
2021: €206k
2022: €289k
2023: €272k
2024: €133k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€210k-€296k▲ 40.8%€328k▲ 10.9%€193k▼ 41.4%€6k▼ 97.1%
Operating result€146k-€102k▼ 30.1%€173k▲ 69.3%€227k▲ 31.7%€193k▼ 15.0%
Net result€108k-€86k▼ 20.7%€132k▲ 53.9%€184k▲ 39.3%€144k▼ 22.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€43k▼ 27.5%
Current assets
€232k▼ 25.4%
Equity and liabilities €275k
Equity
€6k▼ 97.1%
Debt
€269k▲ 51.5%
The debt ratio rises from 48.0% to 98.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€211k▼
2024 · €243k
Cash flow
€162k▼
2024 · €200k
Solvency
2.0%▼
2024 · 52.0%
Current ratio
0.86▼
2024 · 1.75
Quick ratio
0.86▼
2024 · 1.75
Debt / equity
48.20▲
2024 · 0.92
ROA
52.2%▲
2024 · 49.7%
Interest coverage
2643.07▲
2024 · 1341.67
Debt
€269k▲
2024 · €178k
Debt ≤ 1 year
€269k▲
2024 · €178k
Income taxes
€49k▼
2024 · €60k
A ratio outside any meaningful range has been withheld (balance sheet total €275k, equity €6k).
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€370k€275k▼
Formation expenses20€0€0=
Fixed assets21/28€59k€43k▼
Tangible fixed assets22/27€59k€43k▼
Land and buildings22€537€253▼
Plant, machinery and equipment23€10k€10k▼
Furniture and vehicles24€48k€33k▼
Current assets29/58€311k€232k▼
Amounts receivable within one year40/41€64k€41k▼
Trade receivables40€64k€25k▼
Other amounts receivable41-€15k
Current investments50/53-€75k
Cash at bank and in hand54/58€235k€104k▼
Deferred charges and accrued income490/1€12k€12k▼
Equity and liabilities
Total equity and liabilities10/49€370k€275k▼
Equity10/15€193k€6k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€188k€587▼
Amounts payable17/49€178k€269k▲
Amounts payable within one year42/48€178k€269k▲
Trade debts44€37k€36k▼
Suppliers440/4€37k€36k▼
Taxes, remuneration and social security45€48k€38k▼
Taxes450/3€48k€38k▼
Other amounts payable47/48€93k€195k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€18k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€244k€212k▼
Operating profit (loss)9901€227k€193k▼
Financial income75/76B€17k€16▼
Recurring financial income75€17k€16▼
Financial charges65/66B€181€80▼
Recurring financial charges65€181€80▼
Profit (loss) for the period before taxes9903€244k€193k▼
Income taxes67/77€60k€49k▼
Profit (loss) for the period9904€184k€144k▼
Profit (loss) for the period to be appropriated9905€184k€144k▼
Appropriation of the result
Profit (loss) to be appropriated9906€508k€331k▼
Profit (loss) brought forward from the previous period14P€323k€188k▼
Profit to be distributed694/7€320k€331k▲
Return on contributions (dividend)694€320k€331k▲
The notes to these accounts (5 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
08-09
State Gazette act
General meeting · Director appointmentGeneral meeting · Director appointment2 facts ▸
State Gazette act
General meeting · Director appointment
General meeting · Director appointment2 facts ▸
- General meeting, 2026-08-17
- Director appointment, Geysen Monique (bestuurder)
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €184k ▲39.3%
Operating result €227k, net result €184k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €86k ▼20.7%
Net result drops to €86k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €210k ▲106%
2 profitable years in a row build equity to €210k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Geysen Monique
CurrentDirector · since 26-08-2026
26-08-2026
Appointed as Director
Location & real-estate footprint
Registered office, Kapellen · 1 establishment unit since 2020
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.
Oude Galgenstraat 412950 KapellenGround area
963 m²
Building footprint
166 m²
Volume, LiDAR
897 m³
Parcel 11023A0299/00H000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PM-ADVIES
since 20202.298.135.876
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023A0299/00H000 | Flanders | 963 m² | 1 · 166 m² | 8.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 420 EUR awarded · 420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 120 EUR | 120 EUR |
| 2022 | 1 | 300 EUR | 300 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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BE 0424.629.376
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AR INGENIERIE
BE 1032.201.843
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Constructive Solutions
BE 1017.678.666
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Ingenia
BE 1021.367.834
Wavre · Eq €6k
Of 11,505 companies in sector 71121 we hold annual accounts for 6,524. 2,010 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
43130Specialised construction activities
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@pmadvies.be