PM Investments
ActiveSummary
PM Investments has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €606k and a net result of €7k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-11
Solvency85▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.06 in 2024; short-term debt: 31.1% and cash: 0.1% of total assets), and 39.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
60.3%
Return on assets
0.7%
Age of the figures
9 mo
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
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 08-06-2026, 53 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
53 d early
2024
26 d late
2023
65 d early
2022
28 d early
2021
67 d late
2020
15 d early
2019
71 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
Equity
€606k▲ 1.2%
2024 · €599k
2019: €460k
2020: €463k
2021: €534k
2022: €584k
2023: €587k
2024: €599k
2019 → 2025
Total assets
€1.01M▼ 2.6%
2024 · €1.03M
2019: €1.08M
2020: €1.05M
2021: €1.15M
2022: €1.12M
2023: €1.10M
2024: €1.03M
2019 → 2025
Net result
€7k▼ 42.8%
2024 · €12k
2019: €470k
2020: €30k
2021: €68k
2022: €50k
2023: €13k
2024: €12k
2019 → 2025
Working capital
€-293k▼ 3.7%
2024 · €-283k
2019: €-105k
2020: €-262k
2021: €-257k
2022: €-278k
2023: €-316k
2024: €-283k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€534k-€584k▲ 9.3%€587k▲ 0.4%€599k▲ 2.1%€606k▲ 1.2%
Operating result€81k-€68k▼ 16.4%€18k▼ 73.1%€22k▲ 19.5%€20k▼ 8.5%
Net result€68k-€50k▼ 26.6%€13k▼ 74.7%€12k▼ 3.8%€7k▼ 42.8%
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 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€986k ▼ 2.9%
Current assets
€19k ▲ 12.4%
Equity and liabilities €1.01M
Equity
€606k ▲ 1.2%
Debt
€399k ▼ 7.8%
Debt's share of the balance-sheet total falls from 42.0% to 39.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €55k
Cash flow
€36k▼
2024 · €46k
Current ratio
0.06▲
2024 · 0.06
Debt to equity
0.66▼
2024 · 0.72
ROE
1.1%▼
2024 · 2.0%
ROA
0.7%▼
2024 · 1.2%
Interest coverage
4.72▼
2024 · 8.72
Debt ≤ 1 year
€312k▲
2024 · €300k
Debt > 1 year
€86k▼
2024 · €120k
Income taxes
€3k▼
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€1.01M▼
Fixed assets21/28€1.01M€986k▼
Tangible fixed assets22/27€33k€4k▼
Plant, machinery and equipment23€6k€0▼
Furniture and vehicles24€4k€0▼
Leasing and similar rights25€23k€4k▼
Financial fixed assets28€982k€982k=
Current assets29/58€17k€19k▲
Amounts receivable within one year40/41€13k€18k▲
Trade receivables40€4k€18k▲
Other amounts receivable41€9k€0▼
Cash at bank and in hand54/58€4k€1k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.01M▼
Equity10/15€599k€606k▲
Contributions10/11€30k€30k=
Reserves13€569k€576k▲
Distributable reserves133€569k€576k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€433k€399k▼
Amounts payable after more than one year17€120k€86k▼
Financial debts170/4€120k€86k▼
Amounts payable within one year42/48€300k€312k▲
Current portion of amounts payable after more than one year42€41k€34k▼
Trade debts44€33€2k▲
Suppliers440/4€33€2k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Other amounts payable47/48€255k€269k▲
Accrued charges and deferred income492/3€13k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€29k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€2k€2k▲
Gross operating margin9900€57k€53k▼
Operating profit (loss)9901€22k€20k▼
Financial income75/76B€942€83▼
Recurring financial income75€942€83▼
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€10k▲
Profit (loss) for the period before taxes9903€16k€10k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€12k€7k▼
Profit (loss) for the period to be appropriated9905€12k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€7k▼
Transfer to equity691/2€12k€7k▼
To other reserves6921€12k€7k▼
Profit to be distributed694/7€0-
Directors or managers695€0-
The notes to these accounts (7 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼42.8%
Net result drops to €7k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2021
31-12
Financial
Equity above €500kEq €534k ▲15.4%
3 profitable years in a row build equity to €534k.
15-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Linter · 1 establishment unit since 2018
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.
Getestraat(NRL) 893350 LinterGround area
484 m²
Building footprint
147 m²
Volume, LiDAR
652 m³
Parcel 24077E0678/00D003, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PM Investments
since 20182.282.318.047
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24077E0678/00D003 | Flanders | 484 m² | 1 · 147 m² | 7.8 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
2023 · 1 entry · 36 EUR awarded · 36 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 36 EUR | 36 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 0561.782.725
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Maarten Moreels
BE 0768.606.620
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KEIBOS
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,995 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
Founded20-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.