PMB Construct

Active

Private limited companyfounded 2021active for 5 yearsTerlindenhofstraat 91+, 2170 Antwerpen, BelgiumKBO/BCE: BE 0762.527.490

Summary

PMB Construct has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,156 and a net result of €6,864. Equity is growing by about 33% per year across the filed financial years. Its solvency ranks better than 77% of 9,302 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisFollow Report Compare

PMB ConstructActiveChecked score 67/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001

Size

€28,080total assets 2025

Equity: €19,156
Profit: €6,864

Turnover not published (micro format)

Financial health

67 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.2%

Structure

Olivier ByczkowskiDirector

2025 accounts on time1 of 2 deeds summarised

Why 67raises riskSize: total assets €28,080Sector: Construction of residential and non-residential buildings (NACE 41)Founded in 2021lowers riskLiquidity: current ratio 2.77, cash €10,735Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 82% of its sector peers (NACE 41, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 93+9

equity 68.2% of total assets

Liquidity 84+7

short-term debt 31.8% · cash 38.2%

Profitability 99+26

return on assets 24.4%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,433 companies, NACE 41, micro)

Last 24 months 11-2024: 1.0% 12-2024: 1.0%● unchanged vs 11-2024 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025lowest value 04-2025: 1.1%▲ +0.1 percentage points vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.2%▲ +0.1 percentage points vs 05-2025 07-2025: 1.4%▲ +0.2 percentage points vs 06-2025 08-2025: 1.6%▲ +0.2 percentage points vs 07-2025 09-2025: 1.6%● unchanged vs 08-2025 10-2025: 1.6%● unchanged vs 09-2025 11-2025: 1.6%● unchanged vs 10-2025 12-2025: 1.6%● unchanged vs 11-2025 01-2026: 1.6%● unchanged vs 12-2025 02-2026: 1.5%▼ -0.1 percentage points vs 01-2026 03-2026: 1.5%● unchanged vs 02-2026 04-2026: 1.6%▲ +0.1 percentage points vs 03-2026 05-2026: 1.7%▲ +0.1 percentage points vs 04-2026 06-2026: 1.8%▲ +0.1 percentage points vs 05-2026 07-2026: 2.0%▲ +0.2 percentage points vs 06-2026highest value 08-2026: 1.3%▼ -0.7 percentage points vs 07-2026 09-2026: 1.2%▼ -0.1 percentage points vs 08-2026 10-2026: 1.2%● unchanged vs 09-2026

Credit of up to €1,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.77, compared with 1.94 in 2024, above the usual 1.5; short-term debt: 31.8% and cash: 38.2% of total assets), and 31.8% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 77% on solvency, 86% on liquidity, 82% on profitability and 81% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.

lowers riskraises riskneutral

Size: total assets €28,080

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Liquidity: current ratio 2.77, cash €10,735

NBB · annual accounts

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Founded in 2021

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

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 · 4 filings

Deviation from the deadline

2025

on the day

2024

6 days early

2023

13 days late

2022

29 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 9 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 August (4 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-07-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Highest result from 2022 to 2025net €6,864 ▲118%
25-07-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

One director decidessole director in office 1 View
Total assets 20254 financial years filed €28,080 View
Active since 2021founded 27-01-2021 5 years View

By topic

Financials

Financial year: 2025
Total assets: €28,080
Profit: €6,864
Solvency: 68.2%

Total assets▲ 35.6%

Net result

20222025

Go to Financials

Board & ownership

Board: 1 member

Olivier ByczkowskiDirector

Go to Board & ownership

Timeline

Events: 7
Since: 2023
Next accounts: by 31-07-2027

06-02-2025Appointment: Olivier Byczkowski (director)
13-08-2024Annual accounts filed
31-12-2023Weakest financial year

Go to Timeline

Company details

Legal form: Private limited company
Activity: General construction of residential buildingsNACE 41001
Founded: 27-01-2021
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 1

See the provisions in the deeds

Go to Articles of association

Key facts about PMB Construct

What is the company number of PMB Construct?: 0762.527.490. In Belgium the VAT number is the company number with BE in front: BE 0762.527.490.
Where is PMB Construct based?: The registered office is at Terlindenhofstraat 91+, 2170 Antwerpen.Company details
What does PMB Construct do?: According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of PMB Construct?: Private limited company (BV).
When was PMB Construct founded?: On 27-01-2021.
Is PMB Construct still active?: Yes, PMB Construct is an active enterprise in the KBO register.
What is the turnover of PMB Construct?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is PMB Construct profitable?: In financial year 2025, PMB Construct made a profit of €6,864.
Where can I find the annual accounts of PMB Construct?: PMB Construct filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PMB Construct due?: By 31-07-2027, for financial year 2026.Timeline