PMT SERVICES
ActiveThe computed 12-month bankruptcy probability of PMT SERVICES is 2.0% (moderate). The 2025 annual accounts show equity of €38k and a net result of €29k. Equity is growing by ~30.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 27559 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+6
Solvency53▼-47
Growth50▼-2
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 8.26 in 2024; short-term debt: 71.7% and cash: 44.6% of total assets), and 71.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 dateAge against the risk zone
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
Sector 43
higher
← 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
28.3%
Return on assets
21.5%
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 10-06-2026, 51 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
51 d early
2024
76 d early
2023
289 d late
2022
593 d late
2021
122 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€99k▲ 3.4%
2024 · €96k
2024: €96k
2024 → 2025
EBIT margin
39.4%▲ 12.3pp
2024 · 27.0%
2024: 27.0%
2024 → 2025
Net result
€29k▲ 85.8%
2024 · €15k
2021: €31k
2022: €22k
2023: €21k
2024: €15k
2021 → 2025
Working capital
€29k▼ 61.9%
2024 · €75k
2021: €27k
2022: €48k
2023: €58k
2024: €75k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€96k€99k▲ 3.4%
Equity€33k-€55k▲ 68.0%€76k▲ 37.7%€91k▲ 20.4%€38k▼ 58.5%
Operating result€38k-€28k▼ 25.3%€30k▲ 6.7%€26k▼ 14.6%€39k▲ 50.6%
Net result€31k-€22k▼ 28.7%€21k▼ 6.9%€15k▼ 25.4%€29k▲ 85.8%
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 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€9k▼ 56.7%
Current assets
€125k▲ 45.5%
Equity and liabilities €134k
Equity
€38k▼ 58.5%
Debt
€96k▲ 517%
The debt ratio rises from 14.6% to 71.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€52k▲
2024 · €37k
Cash flow
€42k▲
2024 · €27k
Solvency
28.3%▼
2024 · 85.4%
Current ratio
1.30▼
2024 · 8.26
Quick ratio
1.30▼
2024 · 8.26
Debt / equity
2.54▲
2024 · 0.17
ROE
75.9%▲
2024 · 17.0%
ROA
21.5%▲
2024 · 14.5%
Interest coverage
216.72▲
2024 · 28.83
Debt
€96k▲
2024 · €16k
Debt ≤ 1 year
€96k▲
2024 · €10k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€11k▲
2024 · €9k
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€107k€134k▲
Fixed assets21/28€21k€9k▼
Tangible fixed assets22/27€20k€8k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€17k€5k▼
Financial fixed assets28€1k€1k=
Current assets29/58€86k€125k▲
Amounts receivable within one year40/41€41k€61k▲
Trade receivables40€29k€33k▲
Other amounts receivable41€11k€28k▲
Cash at bank and in hand54/58€45k€60k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€107k€134k▲
Equity10/15€91k€38k▼
Contributions10/11€2k€2k=
Reserves13€90k€36k▼
Non-distributable reserves130/1€150€150=
Reserves not available under the articles1311€150€150=
Distributable reserves133€90k€36k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€16k€96k▲
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€10k€96k▲
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€50€3k▲
Suppliers440/4€50€3k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€4k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€82k
Income statement
Code20242025
Turnover70€96k€99k▲
Non-recurring operating income76A€0€0=
Goods, raw materials, services and sundry goods60/61€58k€48k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€561€858▲
Gross operating margin9900€38k€53k▲
Operating profit (loss)9901€26k€39k▲
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€1k€240▼
Recurring financial charges65€1k€240▼
Profit (loss) for the period before taxes9903€25k€40k▲
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€15k€29k▲
Profit (loss) for the period to be appropriated9905€15k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€29k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€53k
Transfer to equity691/2€15k€0▼
To other reserves6921€15k€0▼
Profit to be distributed694/7-€82k
Return on contributions (dividend)694-€82k
The notes to these accounts (12 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 289 days late
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 593 days late
2024
31-12
Financial
Weakest financial yearnet €15k ▼25.4%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
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, Tongeren-Borgloon · 1 establishment unit since 2020
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.
St.-Truidersteenweg 112B3840 Tongeren-BorgloonGround area
688 m²
Building footprint
217 m²
Volume, LiDAR
1,596 m³
2 parcels, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PMT SERVICES
since 20202.307.957.622
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73009A0271/00H002 | Flanders | 504 m² | 1 · 217 m² | 11.8 m · 2 fl. |
| 73009A0271/00N002 | Flanders | 184 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,864 companies in sector 43341 we hold annual accounts for 2,664. 2,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2020
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43320Joinery installation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.