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PMB CONCEPT

Active
Private limited companyfounded 200323 yrs activeToxandriërsstraat 18, 1040 Etterbeek, BelgiumKBO/BCE: BE 0480.274.318
Summary

PMB CONCEPT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €456,923 and a net result of €15,929. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 93% of 174 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
PMB CONCEPTActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310NACE 68311NACE 70311
1 site
Size
€460,547total assets 2026
Equity
€456,923
Profit
€15,929
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2026
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 158 d early0 of 3 deeds read
Why 97+ Liquidity: current ratio 118.27, cash €414,457+ Equity €456,923 (99.2% of total assets)+ Size: total assets €460,547+ Founded in 2003Show the evidence

Checked score

Score 2026
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 78% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2025
Strong
Solvency 100=
equity 99.2% of total assets
Liquidity 100=
short-term debt 0.8% · cash 90.0%
Profitability 73+3
return on assets 3.5%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%▲ +4.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▼ -7.7% vs 06-2025lowest value 08-2025: < 0.1%● 0.0% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%▲ +16.7% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +3.6% vs 03-2026highest value 05-2026: < 0.1%● 0.0% vs 04-2026highest value 06-2026: < 0.1%● 0.0% vs 05-2026highest value 07-2026: < 0.1%▼ -6.9% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%▼ -7.4% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026
  • Liquidity: current ratio 118.27, cash €414,457 lowers the probability
  • Equity €456,923 (99.2% of total assets) lowers the probability
  • Size: total assets €460,547 lowers the probability for this profile
  • Founded in 2003 lowers the probability for this profile
Credit up to €40,000 at 30 days acceptable
short-term debt: 0.8% and cash: 90% of total assets, and 0.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 91%, liquidity 98%, profitability 66%, growth against the median 56%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 118.27, cash €414,457
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €456,923 (99.2% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €460,547
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 2003
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 26-08-2026, 158 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
158 d early
2025
47 d early
2024
52 d early
2023
58 d early
2022
56 d early
2021
52 d early
2020
53 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 68 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today. Usually files around 6 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today30-06-2027 close31-01-2028 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2026 · micro…
  2. Liquidity times 13current ratio 118.27
  3. Annual accounts filedfiscal year 2025 · micro…

Key points

  • Positive: Among the best 8% on solvencysector median 51.6% · 174 companies 99.2% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2026: €15,929 8 years View

By topic

Financials

Fiscal year
2026
Total assets
€460,547
Profit
€15,929
Solvency
99.2%
Total assets▼ 6.5%
Net result
20192026
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-01-2028
  1. 26-08-2026Annual accounts filed
  2. 30-06-2026Liquidity times 13
  3. 15-12-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Real estate agency activitiesNACE 68310
Founded
22-05-2003
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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