Skip to content

PMHS

Active
Private limited companyfounded 20214 yrs activeRue Neuray 26, 4801 Verviers, BelgiumKBO/BCE: BE 0777.615.940
Summary

The computed 12-month bankruptcy probability of PMHS is 2.5% (moderate). The 2025 annual accounts show equity of €11,145 and a net result of €116. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 4600 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability69▼-13
Solvency69▼-2
Growth78=
Track record94
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.2 against 0.63 in 2024; short-term debt: 55.9% and cash: 28.4% of total assets), and 55.9% of the assets are financed with debt.
Credit check for your own amount and term

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

Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 4 filings
Deviation from the deadline
2025
21 d late
2024
27 d early
2023
27 d early
2022
30 d 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 1 day before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% 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 July (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 23 November 2021, PMHS was incorporated as a Private limited company.1 Total assets went from EUR 35,898 in 2022 to EUR 25,270 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€11,145▲ 1.1%
2024 · €11,029
Total assets
€25,270▲ 5.7%
2024 · €23,902
Net result
€116▼ 95.5%
2024 · €2,572
Working capital
€2,800
2024 · -€4,770
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape 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
Line2022202320242025
Operating result-€957-€4,436€3,943▼ 11.1%€555▼ 85.9%
Net result-€933below the sector's middle half-€3,390within the sector's middle half€2,572within the sector's middle half▼ 24.1%€116within the sector's middle half▼ 95.5%
Equity€5,067below the sector's middle half-€8,457below the sector's middle half▲ 66.9%€11,029below the sector's middle half▲ 30.4%€11,145below the sector's middle half▲ 1.1%
Total assets€35,898below the sector's middle half-€31,379below the sector's middle half▼ 12.6%€23,902below the sector's middle half▼ 23.8%€25,270below the sector's middle half▲ 5.7%
Debt€30,832-€22,922▼ 25.7%€12,874▼ 43.8%€14,125▲ 9.7%
Working capital-€16,342below the sector's middle half--€10,578below the sector's middle half▲ 35.3%-€4,770within the sector's middle half▲ 54.9%€2,800within the sector's middle half
Solvency14.1%below the sector's middle half-27.0%within the sector's middle half▲ 12.8pp46.1%within the sector's middle half▲ 19.2pp44.1%within the sector's middle half▼ 2.0pp
Current ratio0.47below the sector's middle half-0.54below the sector's middle half▲ 0.070.63below the sector's middle half▲ 0.091.20within the sector's middle half▲ 0.57
Return on assets (ROA)-2.6%below the sector's middle half-10.8%within the sector's middle half▲ 13.4pp10.8%within the sector's middle half=0.5%within the sector's middle half▼ 10.3pp
above within below the middle half (P25 to P75) of NACE 81, Services to buildings and landscape 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
-€2,000€0€2,000€4,000Operating result 2022: -€957-€957Net result 2022: -€933-€933Operating result 2023: €4,436€4,436Net result 2023: €3,390€3,390Operating result 2024: €3,943€3,943Net result 2024: €2,572€2,572Operating result 2025: €555€555Net result 2025: €116€1162022202320242025€0€2,000€4,000Operating result 2023: €4,436€4,440Net result 2023: €3,390€3,390Operating result 2024: €3,943€3,940Net result 2024: €2,572€2,570Operating result 2025: €555€555Net result 2025: €116€116202320242025
The operating result has fallen two years in a row; 2025 is 86% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,270
Fixed assets €8,345 ▼ 47.2%
Current assets €16,925 ▲ 109%
Equity and liabilities €25,270
Equity €11,145 ▲ 1.1%
Debt €14,125 ▲ 9.7%
Debt's share of the balance-sheet total rises from 53.9% to 55.9%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€6,676▼
2024 · €9,959
Cash flow
€6,237▼
2024 · €8,588
Debt to equity
1.27▲
2024 · 1.17
ROE
1.0%▼
2024 · 23.3%
Interest coverage
16.86▼
2024 · 25.08
Debt ≤ 1 year
€14,125▲
2024 · €12,874
Income taxes
€44▼
2024 · €974
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
2.3% went bankrupt
3.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.5% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 2,546 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€23,902€25,270▲
Fixed assets21/28€15,799€8,345▼
Tangible fixed assets22/27€15,799€8,345▼
Plant, machinery and equipment23€8,289€4,739▼
Furniture and vehicles24€7,510€3,606▼
Current assets29/58€8,104€16,925▲
Amounts receivable within one year40/41€261€8,930▲
Trade receivables40-€8,576
Other amounts receivable41€261€353▲
Cash at bank and in hand54/58€6,996€7,178▲
Deferred charges and accrued income490/1€848€817▼
Equity and liabilities
Total equity and liabilities10/49€23,902€25,270▲
Equity10/15€11,029€11,145▲
Contributions10/11€6,000€6,000=
Reserves13€5,029€5,145▲
Distributable reserves133€5,029€5,145▲
Amounts payable17/49€12,874€14,125▲
Amounts payable within one year42/48€12,874€14,125▲
Trade debts44€1,179€868▼
Suppliers440/4€1,179€868▼
Taxes, remuneration and social security45€974€44▼
Taxes450/3€974€44▼
Other amounts payable47/48€10,720€13,214▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,016€6,121▲
Other operating charges640/8€1,489€409▼
Gross operating margin9900€11,449€7,085▼
Operating profit (loss)9901€3,943€555▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€397€396▼
Recurring financial charges65€397€396▼
Profit (loss) for the period before taxes9903€3,546€160▼
Income taxes67/77€974€44▼
Profit (loss) for the period9904€2,572€116▼
Profit (loss) for the period to be appropriated9905€2,572€116▼
Appropriation of the result
Profit (loss) to be appropriated9906€2,572€116▼
Transfer to equity691/2€2,572€116▼
To other reserves6921€2,572€116▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,351€5,420€6,016€6,121▲ 1.7%
Other operating charges640/8€167€422€1,489€409▼ 72.5%
Gross operating margin9900€3,561€10,278€11,449€7,085▼ 38.1%
Operating profit (loss)9901-€957€4,436€3,943€555▼ 85.9%
Financial income75/76B€24€4-€1-
Recurring financial income75€24€4-€1-
Financial charges65/66B-€396€397€396▼ 0.3%
Recurring financial charges65-€396€397€396▼ 0.3%
Profit (loss) for the period before taxes9903-€933€4,045€3,546€160▼ 95.5%
Income taxes67/77-€655€974€44▼ 95.5%
Profit (loss) for the period9904-€933€3,390€2,572€116▼ 95.5%
Profit (loss) for the period to be appropriated9905-€933€3,390€2,572€116▼ 95.5%
Line2022202320242025Change
Assets
Total assets20/58€35,898€31,379€23,902€25,270▲ 5.7%
Fixed assets21/28€21,409€19,034€15,799€8,345▼ 47.2%
Tangible fixed assets22/27€21,409€19,034€15,799€8,345▼ 47.2%
Plant, machinery and equipment23€10,828€10,457€8,289€4,739▼ 42.8%
Furniture and vehicles24€10,581€8,577€7,510€3,606▼ 52.0%
Current assets29/58€14,489€12,345€8,104€16,925▲ 109%
Amounts receivable within one year40/41€705€4,500€261€8,930▲ 3,325%
Trade receivables40€705€3,197-€8,576-
Other amounts receivable41-€1,303€261€353▲ 35.5%
Cash at bank and in hand54/58€12,327€7,653€6,996€7,178▲ 2.6%
Deferred charges and accrued income490/1€1,457€192€848€817▼ 3.6%
Equity and liabilities
Total equity and liabilities10/49€35,898€31,379€23,902€25,270▲ 5.7%
Equity10/15€5,067€8,457€11,029€11,145▲ 1.1%
Contributions10/11€6,000€6,000€6,000€6,000=
Reserves13-€2,457€5,029€5,145▲ 2.3%
Distributable reserves133-€2,457€5,029€5,145▲ 2.3%
Profit (loss) carried forward14-€933----
Amounts payable17/49€30,832€22,922€12,874€14,125▲ 9.7%
Amounts payable within one year42/48€30,832€22,922€12,874€14,125▲ 9.7%
Trade debts44€2,405€2,653€1,179€868▼ 26.4%
Suppliers440/4€2,405€2,653€1,179€868▼ 26.4%
Taxes, remuneration and social security45€63€655€974€44▼ 95.5%
Taxes450/3€63€655€974€44▼ 95.5%
Other amounts payable47/48€28,364€19,614€10,720€13,214▲ 23.3%
Line2022202320242025Change
Profit (loss) for the period9904-€933€3,390€2,572€116▼ 95.5%
+ Depreciation and write-downs630€4,351€5,420€6,016€6,121▲ 1.7%
Operating cash flow (approximation)€3,418€8,810€8,588€6,237▼ 27.4%
Investment in fixed assets (approximation)--€3,045-€2,780€1,333▲ 148%
Change in cash--€4,674-€657€183▲ 128%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
21-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
04-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Back to profitnet €3,390
Net result €3,390 after one loss-making year.
30-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Verviers · 1 establishment unit since 2021
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 Neuray 264801 Verviers
1 establishment unit
PMHS
Rue Neuray 26, 4801 VerviersFloor and wall tiling
since 20212.325.010.717

Similar companies · same sector, comparable size

Of 6,996 companies in sector 81220 we hold annual accounts for 2,415. 1,504 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
Founded23-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
43120Site preparation
43130Specialised construction activities
43230Insulation installation
43331Floor and wall tiling
81210General cleaning of buildings
81300Landscape service activities
82990Other business support services
Contact
E-mail ephsma@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0777615940
Also 9925:BE0777615940

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.