PMGD BW
ActiveSummary
PMGD BW has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €36k. Equity is growing by ~39.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 12.61 against 3.95 in 2024; short-term debt: 7.9% and cash: 49.8% of total assets), and 7.9% of the assets are financed with debt.
Credit check for your own amount and term
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
92.1%
Return on assets
25.9%
Age of the figures
9 mo
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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
20 d early
2023
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 39.0%
2024 · €91k
2023: €56k
2024: €91k
2023 → 2025
Total assets
€138k▲ 12.7%
2024 · €122k
2023: €90k
2024: €122k
2023 → 2025
Net result
€36k▼ 0.3%
2024 · €36k
2023: €54k
2024: €36k
2023 → 2025
Working capital
€127k▲ 39.0%
2024 · €91k
2023: €56k
2024: €91k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€56k-€91k▲ 64.3%€127k▲ 39.0%
Operating result€74k-€48k▼ 34.7%€48k▲ 0.5%
Net result€54k-€36k▼ 33.3%€36k▼ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €138k
Equity
€127k ▲ 39.0%
Debt
€11k ▼ 64.7%
Debt's share of the balance-sheet total falls from 25.3% to 7.9%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
12.61▲
2024 · 3.95
Debt to equity
0.09▼
2024 · 0.34
ROE
28.1%▼
2024 · 39.1%
ROA
25.9%▼
2024 · 29.2%
Debt ≤ 1 year
€11k▼
2024 · €31k
Income taxes
€15k▲
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€122k€138k▲
Current assets29/58€122k€138k▲
Amounts receivable within one year40/41€43k€69k▲
Trade receivables40-€18k
Other amounts receivable41€43k€51k▲
Cash at bank and in hand54/58€79k€69k▼
Equity and liabilities
Total equity and liabilities10/49€122k€138k▲
Equity10/15€91k€127k▲
Contributions10/11€2k€2k=
Reserves13€89k€125k▲
Distributable reserves133€89k€125k▲
Amounts payable17/49€31k€11k▼
Amounts payable within one year42/48€31k€11k▼
Trade debts44€3k€739▼
Suppliers440/4€3k€739▼
Taxes, remuneration and social security45€28k€10k▼
Taxes450/3€28k€10k▼
Income statement
Code20242025
Other operating charges640/8€427€1k▲
Gross operating margin9900€49k€50k▲
Operating profit (loss)9901€48k€48k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€77€150▲
Recurring financial charges65€77€150▲
Profit (loss) for the period before taxes9903€50k€51k▲
Income taxes67/77€15k€15k▲
Profit (loss) for the period9904€36k€36k▼
Profit (loss) for the period to be appropriated9905€36k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€36k▼
Transfer to equity691/2€36k€36k▼
To other reserves6921€36k€36k▼
The notes to these accounts (4 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 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €36k ▼0.3%
Net result drops to €36k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 12.61
Current ratio from 3.95 to 12.61; short-term debt falls from €31k to €11k.
31-12
Financial
Equity above €100kEq €127k ▲39%
3 profitable years in a row build equity to €127k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 2023
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.
Av la Douce Colline 21420 Braine-l'Alleud1 establishment unit
Av la Douce Colline 2, 1420 Braine-l'Alleud
since 20232.346.783.158
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,847 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filings
Scores and ratios are computed by Checked and are not a credit decision.