Summary
PM CONCEPT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €152,888 and a net result of €7,442. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 2460 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
28 d early
2023
34 d early
2022
41 d early
2021
9 d late
2020
40 d early
2019
23 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€152,888▲ 5.1%
2024 · €145,447
Net result
€7,442▲ 1,423%
2024 · €489
Total assets
€772,307▼ 7.7%
2024 · €836,960
Solvency
19.8%▲ 2.4pp
2024 · 17.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
Line20212022202320242025
Operating result€117,030▲ 140%€23,464▼ 80.0%-€11,295€16,012€27,274▲ 70.3%
Net result€50,540within the sector's middle half▲ 80.5%€10,943within the sector's middle half▼ 78.3%-€21,829below the sector's middle half€489below the sector's middle half€7,442within the sector's middle half▲ 1,423%
Equity€155,845within the sector's middle half▲ 48.0%€166,788within the sector's middle half▲ 7.0%€144,958within the sector's middle half▼ 13.1%€145,447within the sector's middle half▲ 0.3%€152,888within the sector's middle half▲ 5.1%
Total assets€993,124above the sector's middle half▼ 22.5%€923,970above the sector's middle half▼ 7.0%€905,601above the sector's middle half▼ 2.0%€836,960above the sector's middle half▼ 7.6%€772,307above the sector's middle half▼ 7.7%
Debt€752,825▼ 30.7%€677,997▼ 9.9%€686,725▲ 1.3%€622,863▼ 9.3%€556,036▼ 10.7%
Working capital€11,816▼ 85.9%-€600-€25,741▼ 4,190%-€42,540▼ 65.3%-€64,447▼ 51.5%
Solvency15.7%below the sector's middle half▲ 7.5pp18.1%below the sector's middle half▲ 2.4pp16.0%below the sector's middle half▼ 2.0pp17.4%below the sector's middle half▲ 1.4pp19.8%within the sector's middle half▲ 2.4pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 70% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €772,307
Fixed assets
€752,974 ▼ 6.6%
Current assets
€19,333 ▼ 36.8%
Equity and liabilities €772,307
Equity
€152,888 ▲ 5.1%
Provisions
€63,383 ▼ 7.7%
Debt
€556,036 ▼ 10.7%
Debt's share of the balance-sheet total falls from 74.4% to 72.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.9%▲
2024 · 0.3%
ROA
1.0%▲
2024 · 0.1%
Debt ≤ 1 year
€83,780▲
2024 · €73,108
Debt > 1 year
€471,743▼
2024 · €546,964
Income taxes
€12,356▲
2024 · €1,558
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,418 | €53,418 | €60,623 | €53,418 | €53,418 | = |
| Other operating charges640/8 | €11,656 | €11,137 | €12,215 | €12,701 | €13,100 | ▲ 3.1% |
| Gross operating margin9900 | €182,104 | €88,020 | €61,543 | €82,132 | €93,793 | ▲ 14.2% |
| Operating profit (loss)9901 | €117,030 | €23,464 | -€11,295 | €16,012 | €27,274 | ▲ 70.3% |
| Financial income75/76B | €1 | - | €119 | €1 | - | - |
| Recurring financial income75 | €1 | - | €119 | €1 | - | - |
| Financial charges65/66B | €67,759 | €17,789 | €15,921 | €19,234 | €12,744 | ▼ 33.7% |
| Recurring financial charges65 | €67,759 | €17,789 | €15,921 | €19,234 | €12,744 | ▼ 33.7% |
| Profit (loss) for the period before taxes9903 | €49,272 | €5,675 | -€27,097 | -€3,221 | €14,530 | ▲ 551% |
| Transfer from deferred taxes780 | €5,268 | €5,268 | €5,268 | €5,268 | €5,268 | = |
| Income taxes67/77 | €4,000 | - | - | €1,558 | €12,356 | ▲ 693% |
| Profit (loss) for the period9904 | €50,540 | €10,943 | -€21,829 | €489 | €7,442 | ▲ 1,423% |
| Transfer from tax-exempt reserves789 | €17,809 | €17,809 | €17,809 | €17,809 | €17,809 | = |
| Profit (loss) for the period to be appropriated9905 | €68,349 | €28,752 | -€4,021 | €18,297 | €25,250 | ▲ 38.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €993,124 | €923,970 | €905,601 | €836,960 | €772,307 | ▼ 7.7% |
| Fixed assets21/28 | €910,926 | €857,508 | €859,810 | €806,392 | €752,974 | ▼ 6.6% |
| Tangible fixed assets22/27 | €909,426 | €856,008 | €858,310 | €804,892 | €751,474 | ▼ 6.6% |
| Land and buildings22 | €909,426 | €856,008 | €858,310 | €804,892 | €751,474 | ▼ 6.6% |
| Financial fixed assets28 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Current assets29/58 | €82,198 | €66,462 | €45,791 | €30,568 | €19,333 | ▼ 36.8% |
| Amounts receivable within one year40/41 | €5,000 | €5,247 | €23,368 | €4,215 | €7,260 | ▲ 72.2% |
| Trade receivables40 | - | €247 | €8,341 | €3,630 | €7,260 | ▲ 100% |
| Other amounts receivable41 | €5,000 | €5,000 | €15,028 | €585 | - | - |
| Cash at bank and in hand54/58 | €76,440 | €59,337 | €20,408 | €24,140 | €10,872 | ▼ 55.0% |
| Deferred charges and accrued income490/1 | €758 | €1,878 | €2,014 | €2,213 | €1,200 | ▼ 45.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €993,124 | €923,970 | €905,601 | €836,960 | €772,307 | ▼ 7.7% |
| Equity10/15 | €155,845 | €166,788 | €144,958 | €145,447 | €152,888 | ▲ 5.1% |
| Contributions10/11 | €56,200 | €56,200 | €56,285 | €56,285 | €56,285 | = |
| Capital10 | €56,200 | €56,200 | - | - | - | - |
| Issued capital100 | €68,600 | €68,600 | - | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | - | - | - | - |
| Reserves13 | €220,091 | €202,282 | €184,388 | €166,580 | €173,771 | ▲ 4.3% |
| Non-distributable reserves130/1 | €85 | €85 | - | - | - | - |
| Legal reserve130 | €85 | €85 | - | - | - | - |
| Tax-exempt reserves132 | €180,006 | €162,197 | €144,388 | €126,580 | €108,771 | ▼ 14.1% |
| Distributable reserves133 | €40,000 | €40,000 | €40,000 | €40,000 | €65,000 | ▲ 62.5% |
| Profit (loss) carried forward14 | -€120,446 | -€91,694 | -€95,715 | -€77,417 | -€77,167 | ▲ 0.3% |
| Provisions and deferred taxes16 | €84,454 | €79,186 | €73,918 | €68,650 | €63,383 | ▼ 7.7% |
| Deferred taxes168 | €84,454 | €79,186 | €73,918 | €68,650 | €63,383 | ▼ 7.7% |
| Amounts payable17/49 | €752,825 | €677,997 | €686,725 | €622,863 | €556,036 | ▼ 10.7% |
| Amounts payable after more than one year17 | €681,689 | €610,238 | €614,556 | €546,964 | €471,743 | ▼ 13.8% |
| Financial debts170/4 | €672,689 | €608,238 | €542,256 | €474,664 | €405,443 | ▼ 14.6% |
| Other amounts payable178/9 | €9,000 | €2,000 | €72,300 | €72,300 | €66,300 | ▼ 8.3% |
| Amounts payable within one year42/48 | €70,382 | €67,062 | €71,532 | €73,108 | €83,780 | ▲ 14.6% |
| Current portion of amounts payable after more than one year42 | €64,927 | €66,497 | €68,086 | €69,755 | €71,445 | ▲ 2.4% |
| Trade debts44 | €929 | €517 | €1,098 | €50 | - | - |
| Suppliers440/4 | €929 | €517 | €1,098 | €50 | - | - |
| Taxes, remuneration and social security45 | €4,527 | €47 | €2,348 | €3,303 | €12,335 | ▲ 273% |
| Taxes450/3 | €4,527 | €47 | €2,348 | €3,303 | €12,335 | ▲ 273% |
| Accrued charges and deferred income492/3 | €754 | €696 | €637 | €2,790 | €513 | ▼ 81.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €50,540 | €10,943 | -€21,829 | €489 | €7,442 | ▲ 1,423% |
| + Depreciation and write-downs630 | €53,418 | €53,418 | €60,623 | €53,418 | €53,418 | = |
| Operating cash flow (approximation) | €103,958 | €64,361 | €38,794 | €53,907 | €60,860 | ▲ 12.9% |
| Investment in fixed assets (approximation) | - | €0 | -€62,925 | €0 | €0 | - |
| Change in cash | - | -€17,103 | -€38,929 | €3,732 | -€13,268 | ▼ 456% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150,000Eq €152,888 ▲5.1%
2 profitable years in a row build equity to €152,888.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €489
Net result €489 after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€21,829
Net result drops to -€21,829, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Equity above €150,000Eq €155,845 ▲48%
4 profitable years in a row build equity to €155,845.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €105,305 ▲36.2%
3 profitable years in a row build equity to €105,305.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2004
Ground area
5,012 m²
Parcel 56058B0375/00C012, Wallonia. Linked by address, not a title deed.
1 establishment unit
PM Concept
since 20042.144.388.896
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B0375/00C012indicative | Wallonia | 5,012 m² | - | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
1%
According to the 2025 annual accounts of PM CONCEPT 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.
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Of 1,507 companies in sector 66199 we hold annual accounts for 923. 644 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
Founded26-08-2004
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68322Real estate appraisal on a fee or contract basis
E-invoicing
Reachable via Peppol
Peppol ID
0208:0866952148
Registered
04-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.