PMK Construct
ActiveSummary
PMK Construct has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,462 and a net result of €3,682. Equity is shrinking by ~17.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 61% of 28051 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency82▼-3
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.33 against 2.49 in 2024; short-term debt: 42.8% and cash: 17.2% of total assets), and 42.8% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
57.2%
Return on assets
24.9%
Age of the figures
9 mo
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
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
49 d late
2023
13 d late
2022
29 d late
2021
31 d late
2020
61 d late
2019
35 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 29 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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
€8,462▲ 77.0%
2024 · €4,780
Total assets
€14,801▲ 85.2%
2024 · €7,992
Net result
€3,682
2024 · -€15,472
Working capital
€8,462▲ 77.0%
2024 · €4,780
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€16,121-€10,488€10,027-€15,329€3,758
Net result€14,242-€12,246€10,700-€15,472€3,682
Equity€21,798▲ 189%€9,551▼ 56.2%€20,252▲ 112%€4,780▼ 76.4%€8,462▲ 77.0%
Total assets€36,469▼ 11.0%€18,615▼ 49.0%€20,385▲ 9.5%€7,992▼ 60.8%€14,801▲ 85.2%
Debt€14,672▼ 56.1%€9,063▼ 38.2%€133▼ 98.5%€3,212▲ 2,313%€6,339▲ 97.4%
Working capital€21,298▲ 202%€9,051▼ 57.5%€20,252▲ 124%€4,780▼ 76.4%€8,462▲ 77.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3,758 after a loss of €15,329 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €14,801
Equity
€8,462 ▲ 77.0%
Debt
€6,339 ▲ 97.4%
Debt's share of the balance-sheet total rises from 40.2% to 42.8%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.33▼
2024 · 2.49
Debt to equity
0.75▲
2024 · 0.67
ROE
43.5%▲
2024 · -323.7%
ROA
24.9%▲
2024 · -193.6%
Debt ≤ 1 year
€6,339▲
2024 · €3,212
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2,000 | €2,355 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €580 | - | - | - | - | - |
| Other operating charges640/8 | €1,172 | €507 | €439 | €436 | €120 | ▼ 72.5% |
| Gross operating margin9900 | €17,873 | -€9,981 | €10,466 | -€14,893 | €3,878 | ▲ 126% |
| Operating profit (loss)9901 | €16,121 | -€10,488 | €10,027 | -€15,329 | €3,758 | ▲ 125% |
| Financial income75/76B | €0 | - | €1,494 | €0 | - | - |
| Recurring financial income75 | €0 | - | €1,494 | €0 | - | - |
| Non-recurring financial income76B | - | - | €1,494 | - | - | - |
| Financial charges65/66B | €1,497 | €1,452 | €749 | €143 | €76 | ▼ 46.8% |
| Recurring financial charges65 | €1,497 | €1,452 | €749 | €143 | €76 | ▼ 46.8% |
| Profit (loss) for the period before taxes9903 | €14,625 | -€11,940 | €10,772 | -€15,472 | €3,682 | ▲ 124% |
| Income taxes67/77 | €383 | €306 | €72 | - | - | - |
| Profit (loss) for the period9904 | €14,242 | -€12,246 | €10,700 | -€15,472 | €3,682 | ▲ 124% |
| Profit (loss) for the period to be appropriated9905 | €14,242 | -€12,246 | €10,700 | -€15,472 | €3,682 | ▲ 124% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €36,469 | €18,615 | €20,385 | €7,992 | €14,801 | ▲ 85.2% |
| Fixed assets21/28 | €500 | €500 | - | - | - | - |
| Financial fixed assets28 | €500 | €500 | - | - | - | - |
| Current assets29/58 | €35,969 | €18,115 | €20,385 | €7,992 | €14,801 | ▲ 85.2% |
| Amounts receivable after more than one year29 | €8,759 | €5,086 | - | - | - | - |
| Other amounts receivable291 | €8,759 | €5,086 | - | - | - | - |
| Amounts receivable within one year40/41 | €9,131 | €6,666 | €14,751 | €5,538 | €12,250 | ▲ 121% |
| Trade receivables40 | €9,131 | €5,210 | €14,167 | €4,901 | €11,647 | ▲ 138% |
| Other amounts receivable41 | - | €1,456 | €584 | €638 | €602 | ▼ 5.5% |
| Cash at bank and in hand54/58 | €17,195 | €3,006 | €5,613 | €2,453 | €2,551 | ▲ 4.0% |
| Deferred charges and accrued income490/1 | €884 | €3,357 | €21 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €36,469 | €18,615 | €20,385 | €7,992 | €14,801 | ▲ 85.2% |
| Equity10/15 | €21,798 | €9,551 | €20,252 | €4,780 | €8,462 | ▲ 77.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,456 | €1,456 | €1,456 | €1,456 | €1,456 | = |
| Non-distributable reserves130/1 | €1,456 | €1,456 | €1,456 | €1,456 | €1,456 | = |
| Reserves not available under the articles1311 | €1,456 | €1,456 | €1,456 | €1,456 | €1,456 | = |
| Profit (loss) carried forward14 | €1,742 | -€10,504 | €196 | -€15,276 | -€11,594 | ▲ 24.1% |
| Amounts payable17/49 | €14,672 | €9,063 | €133 | €3,212 | €6,339 | ▲ 97.4% |
| Amounts payable within one year42/48 | €14,672 | €9,063 | €133 | €3,212 | €6,339 | ▲ 97.4% |
| Trade debts44 | €13,549 | €8,375 | €61 | €2,513 | €5,090 | ▲ 103% |
| Suppliers440/4 | €13,549 | €8,375 | €61 | €2,513 | €5,090 | ▲ 103% |
| Taxes, remuneration and social security45 | €1,123 | €689 | €72 | €72 | - | - |
| Taxes450/3 | €1,123 | €689 | €72 | €72 | - | - |
| Other amounts payable47/48 | - | - | - | €627 | €1,248 | ▲ 99.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,242 | -€12,246 | €10,700 | -€15,472 | €3,682 | ▲ 124% |
| + Depreciation and write-downs630 | €580 | - | - | - | - | - |
| Operating cash flow (approximation) | €14,823 | -€12,246 | €10,700 | -€15,472 | €3,682 | ▲ 124% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | -€14,189 | €2,607 | -€3,159 | €98 | ▲ 103% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3,682
Net result €3,682 after one loss-making year.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €10,700
Net result €10,700 after one loss-making year.
31-12
Financial
Liquidity times 77current ratio 153.19
Current ratio from 2.00 to 153.19; short-term debt falls from €9,063 to €133.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €14,242
Net result €14,242 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.45
Current ratio from 1.21 to 2.45; short-term debt falls from €33,439 to €14,672.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet -€30,715
Net result drops to -€30,715, the lowest in the series; recovery starts the following year.
Show earlier events
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Back to profitnet €16,457
Net result €16,457 after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has 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
4 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, Kapellen · 1 establishment unit since 2015
Ground area
810 m²
Building footprint
147 m²
Parcel 11902E0232/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
PMK Construct
since 20152.239.457.509
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902E0232/00L000 | Flanders | 810 m² | 1 · 147 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.
Similar companies · same sector, comparable size
EVC BUILDING
BE 0781.797.630
Sint-Pieters-Leeuw · Eq €8,318
ANDRE TEAM
BE 0558.902.914
Wezembeek-Oppem · Eq €8,638
RENOVISION
BE 0507.631.484
Kortrijk · Eq €8,273
ROTA CONSTRUCT
BE 0830.868.841
Brussel · Eq €8,261
SPEGRO
BE 0693.676.001
Geel · Eq €8,238
Of 4,093 companies in sector 43240 we hold annual accounts for 1,634. 836 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
Founded06-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
43120Site preparation
43130Specialised construction activities
43230Insulation installation
43350Other building finishing work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.