PMBM
ActivePMBM has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.97M and a net result of €-27k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
20
/ 100
Critical▼ -31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency21▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.02 against 0.02 in 2024), and 77.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 · 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
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
22.4%
Return on assets
-0.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 8584 sector peers (2025).
NBB · sector comparisonPosition among 8584 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
on the day
2022
45 d early
2021
2 d early
2020
30 d late
2019
61 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€0
2024 · €0
2022: €3.29M
2024: €0
2022 → 2025
EBIT margin
15.4%
Net result
€-27k
2024 · €656k
2018: €102k
2019: €83k
2020: €222k
2021: €-381k
2022: €493k
2023: €202k
2024: €656k
2018 → 2025
Working capital
€-5.22M▲ 0.5%
2024 · €-5.25M
2018: €-4.43M
2019: €-4.55M
2020: €-4.42M
2021: €-4.17M
2022: €-3.07M
2023: €-4.01M
2024: €-5.25M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.29M€0€0
Equity€647k-€1.14M▲ 76.1%€1.34M▲ 17.8%€2.00M▲ 48.9%€1.97M▼ 1.3%
Operating result€189k-€507k▲ 168%€186k▼ 63.3%€925k▲ 397%€-169
Net result€-381k-€493k€202k▼ 58.9%€656k▲ 224%€-27k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €169 after €925k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.82M
Fixed assets
€8.73M▼ 3.5%
Current assets
€92k▲ 13.0%
Equity and liabilities €8.82M
Equity
€1.97M▼ 1.3%
Provisions
€193k▼ 5.9%
Debt
€6.65M▼ 3.9%
The debt ratio falls from 75.9% to 75.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€611k▼
2024 · €1.48M
Cash flow
€584k▼
2024 · €1.21M
Solvency
22.4%▲
2024 · 21.9%
Current ratio
0.02▲
2024 · 0.02
Quick ratio
0.02▲
2024 · 0.02
Debt / equity
3.38▼
2024 · 3.47
ROE
-1.4%▼
2024 · 32.8%
ROA
-0.3%▼
2024 · 7.2%
Interest coverage
14.61▼
2024 · 15.00
Debt
€6.65M▼
2024 · €6.93M
Debt ≤ 1 year
€5.31M▼
2024 · €5.33M
Debt > 1 year
€1.34M▼
2024 · €1.59M
Income taxes
€228▲
2024 · €212
Staff costs
€85k▲
2024 · €77k
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€9.13M€8.82M▼
Formation expenses20€0€0=
Fixed assets21/28€9.05M€8.73M▼
Tangible fixed assets22/27€9.02M€8.70M▼
Land and buildings22€9.00M€8.67M▼
Furniture and vehicles24€17k€28k▲
Financial fixed assets28€28k€26k▼
Current assets29/58€81k€92k▲
Amounts receivable within one year40/41€41k€36k▼
Trade receivables40€23k€33k▲
Other amounts receivable41€18k€3k▼
Current investments50/53€0-
Cash at bank and in hand54/58€30k€50k▲
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€9.13M€8.82M▼
Equity10/15€2.00M€1.97M▼
Contributions10/11€994k€994k=
Reserves13€651k€615k▼
Tax-exempt reserves132€614k€578k▼
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€353k€362k▲
Provisions and deferred taxes16€205k€193k▼
Deferred taxes168€205k€193k▼
Amounts payable17/49€6.93M€6.65M▼
Amounts payable after more than one year17€1.59M€1.34M▼
Financial debts170/4€1.59M€1.34M▼
Amounts payable within one year42/48€5.33M€5.31M▼
Current portion of amounts payable after more than one year42€254k€254k=
Financial debts43€600k€555k▼
Credit institutions430/8€600k€555k▼
Trade debts44€52k€73k▲
Suppliers440/4€52k€73k▲
Taxes, remuneration and social security45€70k€35k▼
Taxes450/3€57k€20k▼
Remuneration and social security454/9€14k€15k▲
Other amounts payable47/48€4.35M€4.40M▲
Accrued charges and deferred income492/3€627€0▼
Income statement
Code20242025
Turnover70€0€0=
Non-recurring operating income76A€958k-
Goods, raw materials, services and sundry goods60/61€0€0=
Remuneration, social security and pensions62€77k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€554k€611k▲
Other operating charges640/8€136k€91k▼
Gross operating margin9900€1.69M€787k▼
Operating profit (loss)9901€925k€-169▼
Financial income75/76B€34k€3k▼
Recurring financial income75€34k€3k▼
Financial charges65/66B€99k€42k▼
Recurring financial charges65€99k€42k▼
Profit (loss) for the period before taxes9903€861k€-39k▼
Transfer from deferred taxes780€8k€12k▲
Transfer to deferred taxes680€213k-
Income taxes67/77€212€228▲
Profit (loss) for the period9904€656k€-27k▼
Transfer from tax-exempt reserves789€25k€36k▲
Transfer to tax-exempt reserves689€638k-
Profit (loss) for the period to be appropriated9905€42k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€353k€362k▲
Profit (loss) brought forward from the previous period14P€311k€353k▲
Social balance
Average headcount (FTE)90871.82.0▲
The notes to these accounts (11 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €656k ▲224%
Operating result €925k, net result €656k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €493k
Net result €493k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.14M ▲76.1%
Equity rises from €647k to €1.14M.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-381k ▼272%
Net result drops to €-381k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Equity above €1MEq €1.03M ▲27.5%
3 profitable years in a row build equity to €1.03M.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
2012
20-04
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2011
20-12
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Verlaine · 3 establishment units since 2008
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.
Rue des Croisettes(VER) 264537 VerlaineGround area
8,460 m²
Building footprint
1,568 m²
Volume, LiDAR
11,532 m³
3 parcels, Wallonia · tallest building 22.5 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
PMBM
since 20082.267.599.385
PMBM
since 20082.267.599.484
Château Winerotte
since 20242.357.289.446
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61063B0274/00C000 | Wallonia | 5,694 m² | 1 · 227 m² | - |
| 64065C0201/00V000 | Wallonia | 2,404 m² | 1 · 978 m² | 9.4 m · 3 fl. |
| 62114B0159/00D008 | Wallonia | 363 m² | 1 · 363 m² | 22.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
2 partiesPMBMBE 0808.372.165
controls
Where this company holds controlthis company sits on their board2
1 location
1 location
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 20,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.