PMF Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.76M and a net result of €53k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 75% of 486 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
41 d early
2023
29 d early
2022
86 d late
2021
60 d late
2020
31 d late
2019
6 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, full schema
Equity
€1.76M▲ 3.1%
2024 · €1.70M
2018: €5.20M
2019: €5.05M
2020: €4.83M
2021: €1.70M
2022: €1.75M
2023: €1.65M
2024: €1.70M
2018 → 2025
Net result
€53k▼ 0.5%
2024 · €53k
2018: €130k
2019: €-154k
2020: €-218k
2021: €72k
2022: €45k
2023: €51k
2024: €53k
2018 → 2025
Total assets
€2.54M▲ 47.2%
2024 · €1.73M
2018: €7.46M
2019: €5.07M
2020: €4.85M
2021: €1.73M
2022: €1.80M
2023: €1.69M
2024: €1.73M
2018 → 2025
Solvency
69.1%▼ 29.6pp
2024 · 98.6%
2018: 69.8%
2019: 99.5%
2020: 99.5%
2021: 98.2%
2022: 97.2%
2023: 97.9%
2024: 98.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€188k
Equity€1.70M-€1.75M▲ 2.7%€1.65M▼ 5.7%€1.70M▲ 3.2%€1.76M▲ 3.1%
Operating result€55k-€63k▲ 15.1%€66k▲ 3.4%€-459k€83k
Net result€72k-€45k▼ 37.5%€51k▲ 12.0%€53k▲ 4.0%€53k▼ 0.5%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €83k after a loss of €459k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.54M
Fixed assets
€2.49M▲ 67.7%
Current assets
€48k▼ 80.0%
Equity and liabilities €2.54M
Equity
€1.76M▲ 3.1%
Debt
€786k▲ 3,214%
The debt ratio rises from 1.4% to 30.9%. Equity and debt are higher.
Key figures and ratios
Solvency
69.1%▼
2024 · 98.6%
ROE
3.0%▼
2024 · 3.1%
ROA
2.1%▼
2024 · 3.1%
Debt
€786k▲
2024 · €24k
Debt ≤ 1 year
€136k▲
2024 · €24k
Debt > 1 year
€650k
Income taxes
€18k▼
2024 · €23k
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€1.73M€2.54M▲
Fixed assets21/28€1.49M€2.49M▲
Tangible fixed assets22/27€1.49M€2.49M▲
Land and buildings22€885k€784k▼
Plant, machinery and equipment23€4k€3k▼
Other tangible fixed assets26€548k€586k▲
Assets under construction and advance payments27€49k€1.12M▲
Current assets29/58€239k€48k▼
Amounts receivable within one year40/41€2€18k▲
Trade receivables40-€16k
Other amounts receivable41€2€2k▲
Cash at bank and in hand54/58€239k€30k▼
Equity and liabilities
Total equity and liabilities10/49€1.73M€2.54M▲
Equity10/15€1.70M€1.76M▲
Contributions10/11€315k€315k=
Capital10€315k€315k=
Issued capital100€315k€315k=
Reserves13€1.38M€1.43M▲
Non-distributable reserves130/1€31k€31k=
Legal reserve130€31k€31k=
Distributable reserves133€1.35M€1.40M▲
Profit (loss) carried forward14€7k€9k▲
Amounts payable17/49€24k€786k▲
Amounts payable after more than one year17-€650k
Financial debts170/4-€650k
Amounts payable within one year42/48€24k€136k▲
Trade debts44€2k€132k▲
Suppliers440/4€2k€132k▲
Taxes, remuneration and social security45€22k€4k▼
Taxes450/3€22k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€38k€38k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€102k=
Other operating charges640/8€25k€26k▲
Non-recurring operating charges66A€537k-
Gross operating margin9900€206k€211k▲
Operating profit (loss)9901€-459k€83k▲
Financial income75/76B€537k-
Recurring financial income75€3-
Non-recurring financial income76B€537k-
Financial charges65/66B€3k€12k▲
Recurring financial charges65€3k€12k▲
Profit (loss) for the period before taxes9903€76k€70k▼
Income taxes67/77€23k€18k▼
Profit (loss) for the period9904€53k€53k▼
Profit (loss) for the period to be appropriated9905€53k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€59k▲
Profit (loss) brought forward from the previous period14P€4k€7k▲
Transfer to equity691/2€50k€50k=
To other reserves6921€50k€50k=
The notes to these accounts (13 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
06-07
State Gazette act
RestructuringProposal · Merger · Accounting effect3 facts ▸
State Gazette act
Restructuring
Proposal · Merger · Accounting effect3 facts ▸
- Proposal, 2026-06-22
- Merger, vereenvoudigde zusterfusie
- Accounting effect, 2026-01-01
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 86 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 60 days late
2021
31-12
Financial
Back to profitnet €72k
Net result €72k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-218k
Net result drops to €-218k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
2019
31-12
Financial
Liquidity times 51current ratio 119.28
Current ratio from 2.33 to 119.28; short-term debt falls from €2.26M to €25k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 8 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Essen · 1 establishment unit since 2006
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.
Postbaan 692910 EssenGround area
1.2 ha
Building footprint
5,523 m²
Volume, LiDAR
45,119 m³
Parcel 11016B0646/00C000, Flanders · tallest building 30.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PMF Holding
since 20062.156.502.713
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016B0646/00C000 | Flanders | 1.2 ha | 1 · 5,523 m² | 30.4 m · 3 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.
Structure & network
Acquisitions and mergers
1 transactionTook over:C-VIEW
Similar companies · same sector, comparable size
AY FINANCE
BE 0823.099.438
Gent · Eq €1.76M
ZAKENKANTOOR RAF DAENEN
BE 0860.152.844
Sint-Niklaas · Eq €1.81M
FOOD COMPANY
BE 0455.788.449
Bertrix · Eq €1.82M
PRAMOUSCO
BE 0695.987.074
Overijse · Eq €1.82M
D.M.E. CHANGE
BE 0457.816.937
Brussel · Eq €1.83M
Of 1,511 companies in sector 66199 we hold annual accounts for 917. 452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-06-2006
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
67120
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70120
70201
70322
74151
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.