PM CONSTRUCT
ActivePM CONSTRUCT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €19k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 4462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-2
Solvency98=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.68 against 3.74 in 2024; short-term debt: 27.1% and cash: 68.8% of total assets), and 27.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
72.9%
Return on assets
6.6%
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 · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d early
2023
on the day
2022
5 d early
2021
4 d early
2020
31 d late
2019
29 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€19k▼ 13.5%
2024 · €22k
2018: €14k
2019: €1k
2020: €14k
2021: €37k
2022: €31k
2023: €27k
2024: €22k
2018 → 2025
Working capital
€210k▲ 10.1%
2024 · €191k
2018: €55k
2020: €72k
2021: €108k
2022: €139k
2023: €168k
2024: €191k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€142k▲ 27.7%€169k▲ 19.4%€191k▲ 13.0%€210k▲ 10.0%
Operating result€39k-€36k▼ 6.9%€33k▼ 9.5%€38k▲ 16.1%€23k▼ 40.1%
Net result€37k-€31k▼ 16.6%€27k▼ 10.8%€22k▼ 19.9%€19k▼ 13.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €289k
Equity
€210k▲ 10.0%
Debt
€78k▲ 12.4%
The debt ratio rises from 26.7% to 27.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €39k
Cash flow
€19k▼
2024 · €23k
Solvency
72.9%▼
2024 · 73.3%
Current ratio
3.68▼
2024 · 3.74
Quick ratio
3.68▼
2024 · 3.74
Debt / equity
0.37▲
2024 · 0.36
ROE
9.1%▼
2024 · 11.5%
ROA
6.6%▼
2024 · 8.4%
Interest coverage
40.26▼
2024 · 95.33
Debt
€78k▲
2024 · €70k
Debt ≤ 1 year
€78k▲
2024 · €70k
Income taxes
€4k▼
2024 · €16k
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€261k€289k▲
Fixed assets21/28€335-
Tangible fixed assets22/27€335€0▼
Furniture and vehicles24€335-
Current assets29/58€261k€289k▲
Amounts receivable within one year40/41€25k€36k▲
Trade receivables40€24k€35k▲
Other amounts receivable41€1k€1k=
Current investments50/53€54k€54k=
Cash at bank and in hand54/58€182k€199k▲
Equity and liabilities
Total equity and liabilities10/49€261k€289k▲
Equity10/15€191k€210k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Share premium1100/10€19k-
Reserves13€56k€56k=
Non-distributable reserves130/1€56k€56k=
Reserves not available under the articles1311€2k€2k=
Own shares acquired1312€54k€54k=
Profit (loss) carried forward14€117k€136k▲
Amounts payable17/49€70k€78k▲
Amounts payable within one year42/48€70k€78k▲
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€16k€12k▼
Other amounts payable47/48€52k€60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€992€335▼
Other operating charges640/8€465€610▲
Gross operating margin9900€39k€24k▼
Operating profit (loss)9901€38k€23k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€406€570▲
Recurring financial charges65€406€570▲
Profit (loss) for the period before taxes9903€38k€24k▼
Income taxes67/77€16k€4k▼
Profit (loss) for the period9904€22k€19k▼
Profit (loss) for the period to be appropriated9905€22k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€136k▲
Profit (loss) brought forward from the previous period14P€95k€117k▲
The notes to these accounts (4 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 · micro schema · 27 days late
2025
31-12
Financial
Equity above €200kEq €210k ▲10%
8 profitable years in a row build equity to €210k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €150kEq €169k ▲19.4%
6 profitable years in a row build equity to €169k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €37k ▲169%
Operating result €39k, net result €37k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲49.9%
4 profitable years in a row build equity to €111k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼89.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Chaumont-Gistoux · 1 establishment unit since 2014
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 de la Commone, Dion-V. 101325 Chaumont-GistouxGround area
1,667 m²
Building footprint
125 m²
Volume, LiDAR
743 m³
Parcel 25025C0289/00D000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PM Construct
since 20142.237.106.446
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25025C0289/00D000 | Wallonia | 1,667 m² | 1 · 125 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488T541XB63A3N5AL06
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Of 1,280 companies in sector 81100 we hold annual accounts for 677. 462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2014
Fiscal year end31-12
Activities, NACEBEL
81100Combined facilities support activities
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:renaudlibert@hotmail.com