PM Mertens
ActivePM Mertens has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €17k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-49
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 7.36 against 4.61 in 2024), and 11% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
89%
Return on assets
9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
11 d early
2024
7 d early
2023
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▲ 11.3%
2024 · €150k
2023: €91k
2024: €150k
2023 → 2025
Total assets
€188k▲ 4.6%
2024 · €180k
2023: €179k
2024: €180k
2023 → 2025
Net result
€17k▼ 71.1%
2024 · €59k
2023: €86k
2024: €59k
2023 → 2025
Working capital
€131k▲ 24.1%
2024 · €106k
2023: €64k
2024: €106k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€91k-€150k▲ 64.3%€167k▲ 11.3%
Operating result€111k-€77k▼ 30.8%€24k▼ 68.2%
Net result€86k-€59k▼ 32.0%€17k▼ 71.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 68% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€36k▼ 19.1%
Current assets
€152k▲ 12.4%
Equity and liabilities €188k
Equity
€167k▲ 11.3%
Debt
€21k▼ 29.6%
The debt ratio falls from 16.3% to 11.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€33k▼
2024 · €85k
Cash flow
€25k▼
2024 · €67k
Solvency
89.0%▲
2024 · 83.7%
Current ratio
7.36▲
2024 · 4.61
Quick ratio
6.70▲
2024 · 4.61
Debt / equity
0.12▼
2024 · 0.20
ROE
10.2%▼
2024 · 39.1%
ROA
9.0%▼
2024 · 32.7%
Interest coverage
19.99▼
2024 · 110.31
Debt
€21k▼
2024 · €29k
Debt ≤ 1 year
€21k▼
2024 · €29k
Income taxes
€6k▼
2024 · €17k
Staff costs
€3k
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€180k€188k▲
Fixed assets21/28€44k€36k▼
Tangible fixed assets22/27€44k€36k▼
Furniture and vehicles24€44k€36k▼
Current assets29/58€135k€152k▲
Stocks and contracts in progress3-€14k
Contracts in progress37-€14k
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40-€7k
Other amounts receivable41€2k-
Cash at bank and in hand54/58€134k€132k▼
Equity and liabilities
Total equity and liabilities10/49€180k€188k▲
Equity10/15€150k€167k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Reserves13€145k€162k▲
Distributable reserves133€145k€162k▲
Amounts payable17/49€29k€21k▼
Amounts payable within one year42/48€29k€21k▼
Trade debts44€2k€207▼
Suppliers440/4€2k€207▼
Taxes, remuneration and social security45€18k€17k▼
Taxes450/3€18k€17k▼
Other amounts payable47/48€9k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€649-
Gross operating margin9900€86k€36k▼
Operating profit (loss)9901€77k€24k▼
Financial income75/76B€0€367▲
Recurring financial income75€0€367▲
Financial charges65/66B€773€2k▲
Recurring financial charges65€773€2k▲
Profit (loss) for the period before taxes9903€76k€23k▼
Income taxes67/77€17k€6k▼
Profit (loss) for the period9904€59k€17k▼
Profit (loss) for the period to be appropriated9905€59k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€17k▼
Transfer to equity691/2€59k€17k▼
To other reserves6921€59k€17k▼
The notes to these accounts (3 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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €17k ▼71.1%
Net result drops to €17k, the lowest in the series.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity triplescurrent ratio 4.61
Current ratio from 1.73 to 4.61; short-term debt falls from €88k to €29k.
30-06
Financial
Equity above €150kEq €150k ▲64.3%
2 profitable years in a row build equity to €150k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudsbergen · 1 establishment unit since 2022
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.
Weg naar As 1873660 OudsbergenGround area
3,631 m²
Building footprint
124 m²
Volume, LiDAR
573 m³
Parcel 71047A1367/00X002, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PM Mertens
since 20222.327.346.140
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71047A1367/00X002 | Flanders | 3,631 m² | 1 · 124 m² | 7.4 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
2024 · 1 entry · 194 EUR awarded · 194 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 194 EUR | 194 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.