PM@Work
ActivePM@Work has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €81k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 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
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 4.6 against 7.41 in 2024; short-term debt: 3.9% and cash: 15.3% of total assets), and 4.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
95.9%
Return on assets
6.7%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
61 d late
2023
61 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
67 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.16M▲ 7.5%
2024 · €1.08M
2018: €638k
2019: €701k
2020: €796k
2021: €857k
2022: €910k
2023: €981k
2024: €1.08M
2018 → 2025
Total assets
€1.21M▲ 2.5%
2024 · €1.18M
2018: €873k
2019: €964k
2020: €936k
2021: €1.00M
2022: €970k
2023: €1.06M
2024: €1.18M
2018 → 2025
Net result
€81k▼ 16.0%
2024 · €97k
2018: €88k
2019: €63k
2020: €95k
2021: €61k
2022: €53k
2023: €71k
2024: €97k
2018 → 2025
Working capital
€172k▼ 38.3%
2024 · €279k
2018: €720k
2019: €595k
2020: €701k
2021: €545k
2022: €81k
2023: €155k
2024: €279k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€857k-€910k▲ 6.2%€981k▲ 7.8%€1.08M▲ 9.9%€1.16M▲ 7.5%
Operating result€88k-€72k▼ 18.1%€105k▲ 45.4%€139k▲ 32.9%€116k▼ 16.9%
Net result€61k-€53k▼ 12.9%€71k▲ 32.4%€97k▲ 37.1%€81k▼ 16.0%
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€989k▲ 15.4%
Current assets
€220k▼ 31.8%
Equity and liabilities €1.21M
Equity
€1.16M▲ 7.5%
Debt
€50k▼ 51.0%
The debt ratio falls from 8.6% to 4.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€150k▼
2024 · €175k
Cash flow
€116k▼
2024 · €132k
Solvency
95.9%▲
2024 · 91.4%
Current ratio
4.60▼
2024 · 7.41
Quick ratio
4.60▼
2024 · 7.41
Debt / equity
0.04▼
2024 · 0.09
ROE
7.0%▼
2024 · 9.0%
ROA
6.7%▼
2024 · 8.2%
Interest coverage
47.30▲
2024 · 29.73
Debt
€50k▼
2024 · €102k
Debt ≤ 1 year
€48k▲
2024 · €43k
Income taxes
€33k▼
2024 · €38k
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€1.18M€1.21M▲
Fixed assets21/28€857k€989k▲
Tangible fixed assets22/27€857k€989k▲
Land and buildings22€822k€961k▲
Plant, machinery and equipment23€9k€9k▼
Furniture and vehicles24€25k€18k▼
Current assets29/58€322k€220k▼
Amounts receivable within one year40/41€36k€35k▼
Trade receivables40€21k€22k▲
Other amounts receivable41€15k€12k▼
Cash at bank and in hand54/58€283k€185k▼
Deferred charges and accrued income490/1€4k€581▼
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.21M▲
Equity10/15€1.08M€1.16M▲
Contributions10/11€19k€19k=
Reserves13€1.06M€1.14M▲
Distributable reserves133€1.06M€1.14M▲
Amounts payable17/49€102k€50k▼
Amounts payable after more than one year17€54k-
Financial debts170/4€54k-
Amounts payable within one year42/48€43k€48k▲
Trade debts44€5k€21k▲
Suppliers440/4€5k€21k▲
Taxes, remuneration and social security45€15k€15k▲
Taxes450/3€15k€15k▲
Other amounts payable47/48€24k€12k▼
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€34k▼
Other operating charges640/8€4k€21k▲
Gross operating margin9900€179k€171k▼
Operating profit (loss)9901€139k€116k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€135k€114k▼
Income taxes67/77€38k€33k▼
Profit (loss) for the period9904€97k€81k▼
Profit (loss) for the period to be appropriated9905€97k€81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€81k▼
Transfer to equity691/2€97k€81k▼
To other reserves6921€97k€81k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €97k ▲37.1%
Operating result €139k, net result €97k, both a record.
31-12
Financial
Equity above €1MEq €1.08M ▲9.9%
7 profitable years in a row build equity to €1.08M.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €53k ▼12.9%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity times 6current ratio 31.22
Current ratio from 5.34 to 31.22; short-term debt falls from €137k to €23k.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
16-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 77 days late
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, Dendermonde · 1 establishment unit since 2007
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.
Gaverstraat (GRE) 99200 DendermondeGround area
166 m²
Building footprint
103 m²
Volume, LiDAR
521 m³
Parcel 42007A0289/00S000, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PM@Work
since 20072.163.887.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42007A0289/00S000 | Flanders | 166 m² | 1 · 103 m² | 9.6 m · 1 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.
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Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 3,771 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2007
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.