PMD-SOLVE
ActiveSummary
PMD-SOLVE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,998 and a net result of €24,819. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+1
Solvency57=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.02 in 2024; short-term debt: 63.3% and cash: 4.4% of total assets), and 67.7% of the assets are financed with debt.
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Signals
Five 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
32.3%
Return on assets
21.1%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
44 d early
2023
41 d early
2022
8 d late
2021
32 d early
2020
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€37,998▲ 16.3%
2024 · €32,679
Total assets
€117,784▲ 13.9%
2024 · €103,401
Net result
€24,819▲ 17.2%
2024 · €21,186
Working capital
€5,062▲ 359%
2024 · €1,103
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€50,053-€1,521€18,356€28,542▲ 55.5%€33,131▲ 16.1%
Net result€39,595within the sector's middle half-€3,480below the sector's middle half€13,743within the sector's middle half€21,186within the sector's middle half▲ 54.2%€24,819within the sector's middle half▲ 17.2%
Equity€32,730within the sector's middle half€29,250within the sector's middle half▼ 10.6%€34,493within the sector's middle half▲ 17.9%€32,679within the sector's middle half▼ 5.3%€37,998within the sector's middle half▲ 16.3%
Total assets€73,699within the sector's middle half▲ 47.5%€50,708below the sector's middle half▼ 31.2%€68,258below the sector's middle half▲ 34.6%€103,401within the sector's middle half▲ 51.5%€117,784within the sector's middle half▲ 13.9%
Debt€40,969▼ 26.9%€21,458▼ 47.6%€33,765▲ 57.4%€70,723▲ 109%€79,786▲ 12.8%
Working capital€9,689below the sector's middle half€2,059below the sector's middle half▼ 78.7%€13,143within the sector's middle half▲ 538%€1,103below the sector's middle half▼ 91.6%€5,062below the sector's middle half▲ 359%
Solvency44.4%within the sector's middle half▲ 56.6pp57.7%within the sector's middle half▲ 13.3pp50.5%within the sector's middle half▼ 7.2pp31.6%below the sector's middle half▼ 18.9pp32.3%within the sector's middle half▲ 0.7pp
Current ratio1.25below the sector's middle half▲ 0.641.10below the sector's middle half▼ 0.151.39within the sector's middle half▲ 0.301.02below the sector's middle half▼ 0.371.07below the sector's middle half▲ 0.05
Return on assets (ROA)53.7%above the sector's middle half▲ 71.9pp-6.9%below the sector's middle half▼ 60.6pp20.1%within the sector's middle half▲ 27.0pp20.5%within the sector's middle half▲ 0.4pp21.1%within the sector's middle half▲ 0.6pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117,784
Fixed assets
€38,191 ▼ 22.2%
Current assets
€79,594 ▲ 46.6%
Equity and liabilities €117,784
Equity
€37,998 ▲ 16.3%
Debt
€79,786 ▲ 12.8%
Debt's share of the balance-sheet total falls from 68.4% to 67.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51,817▲
2024 · €37,121
Cash flow
€43,505▲
2024 · €29,765
Debt to equity
2.10▼
2024 · 2.16
ROE
65.3%▲
2024 · 64.8%
Interest coverage
40.11▲
2024 · 26.88
Debt ≤ 1 year
€74,532▲
2024 · €53,187
Debt > 1 year
€5,246▼
2024 · €17,428
Income taxes
€7,020▲
2024 · €5,975
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,020 | €9,857 | €8,842 | €8,579 | €18,685 | ▲ 118% |
| Other operating charges640/8 | €2,100 | €31 | - | €62 | - | - |
| Gross operating margin9900 | €57,173 | €8,367 | €27,197 | €37,183 | €51,817 | ▲ 39.4% |
| Operating profit (loss)9901 | €50,053 | -€1,521 | €18,356 | €28,542 | €33,131 | ▲ 16.1% |
| Financial charges65/66B | €2,072 | €1,852 | €1,471 | €1,381 | €1,292 | ▼ 6.4% |
| Recurring financial charges65 | €2,072 | €1,852 | €1,471 | €1,381 | €1,292 | ▼ 6.4% |
| Profit (loss) for the period before taxes9903 | €47,982 | -€3,373 | €16,884 | €27,161 | €31,839 | ▲ 17.2% |
| Income taxes67/77 | €8,387 | €107 | €3,142 | €5,975 | €7,020 | ▲ 17.5% |
| Profit (loss) for the period9904 | €39,595 | -€3,480 | €13,743 | €21,186 | €24,819 | ▲ 17.2% |
| Profit (loss) for the period to be appropriated9905 | €39,595 | -€3,480 | €13,743 | €21,186 | €24,819 | ▲ 17.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €73,699 | €50,708 | €68,258 | €103,401 | €117,784 | ▲ 13.9% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €25,375 | €27,591 | €21,758 | €49,111 | €38,191 | ▼ 22.2% |
| Tangible fixed assets22/27 | €25,302 | €27,591 | €21,758 | €49,111 | €38,191 | ▼ 22.2% |
| Furniture and vehicles24 | €11,109 | €14,950 | €10,670 | €39,575 | €30,207 | ▼ 23.7% |
| Other tangible fixed assets26 | €14,193 | €12,641 | €11,089 | €9,536 | €7,984 | ▼ 16.3% |
| Financial fixed assets28 | €73 | - | - | - | - | - |
| Current assets29/58 | €48,324 | €23,117 | €46,500 | €54,290 | €79,594 | ▲ 46.6% |
| Amounts receivable within one year40/41 | €13,880 | €8,752 | - | €15,518 | €71,143 | ▲ 358% |
| Trade receivables40 | €13,880 | €8,752 | - | €13,979 | €69,604 | ▲ 398% |
| Other amounts receivable41 | €0 | - | - | €1,539 | €1,539 | = |
| Cash at bank and in hand54/58 | €31,764 | €11,486 | €34,412 | €38,439 | €5,218 | ▼ 86.4% |
| Deferred charges and accrued income490/1 | €2,680 | €2,879 | €12,088 | €333 | €3,233 | ▲ 870% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €73,699 | €50,708 | €68,258 | €103,401 | €117,784 | ▲ 13.9% |
| Equity10/15 | €32,730 | €29,250 | €34,493 | €32,679 | €37,998 | ▲ 16.3% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €29,730 | €26,250 | €31,493 | €29,679 | €34,998 | ▲ 17.9% |
| Amounts payable17/49 | €40,969 | €21,458 | €33,765 | €70,723 | €79,786 | ▲ 12.8% |
| Amounts payable after more than one year17 | - | - | - | €17,428 | €5,246 | ▼ 69.9% |
| Financial debts170/4 | - | - | - | €17,428 | €5,246 | ▼ 69.9% |
| Amounts payable within one year42/48 | €38,635 | €21,058 | €33,357 | €53,187 | €74,532 | ▲ 40.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €11,627 | €12,182 | ▲ 4.8% |
| Trade debts44 | €1,919 | €91 | €2,035 | €1,260 | €4,354 | ▲ 246% |
| Suppliers440/4 | €1,919 | €91 | €2,035 | €1,260 | €4,354 | ▲ 246% |
| Taxes, remuneration and social security45 | €20,843 | €19,123 | €19,684 | €15,490 | €21,953 | ▲ 41.7% |
| Taxes450/3 | €20,843 | €16,123 | €16,684 | €12,490 | €18,953 | ▲ 51.7% |
| Remuneration and social security454/9 | €0 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Other amounts payable47/48 | €15,873 | €1,844 | €11,637 | €24,809 | €36,043 | ▲ 45.3% |
| Accrued charges and deferred income492/3 | €2,334 | €400 | €408 | €108 | €9 | ▼ 91.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,595 | -€3,480 | €13,743 | €21,186 | €24,819 | ▲ 17.2% |
| + Depreciation and write-downs630 | €5,020 | €9,857 | €8,842 | €8,579 | €18,685 | ▲ 118% |
| Operating cash flow (approximation) | €44,615 | €6,377 | €22,584 | €29,765 | €43,505 | ▲ 46.2% |
| Investment in fixed assets (approximation) | - | -€12,073 | -€3,009 | -€35,932 | -€7,765 | ▲ 78.4% |
| Change in cash | - | -€20,278 | €22,926 | €4,028 | -€33,222 | ▼ 925% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13,743
Net result €13,743 after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €39,595
Net result €39,595 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.25
Current ratio from 0.61 to 1.25; short-term debt falls from €56,023 to €38,635.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Braine-l'Alleud · 1 establishment unit since 2019
Ground area
184 m²
Building footprint
184 m²
Parcel 25014A0930/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
PMD-Solve
since 20192.295.761.752
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25014A0930/00R000 | Wallonia | 184 m² | 1 · 184 m² | - |
Linked by address, not proof of ownership
Good to know
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 30,009 companies in sector 62200 we hold annual accounts for 18,399. 14,892 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
62100Computer programming
71121Engineering and related technical consultancy, excluding land surveyors
E-invoicing
Reachable via Peppol
Peppol ID
0208:0737722315
Also
9925:BE0737722315
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.