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PMV CONCEPT

Active
Private limited companyfounded 199629 yrs activeVieux chemin de Binche 487, 7000 Mons, BelgiumKBO/BCE: BE 0459.297.671
Summary

PMV CONCEPT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€120,816) and a net result of €4,092. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 8982 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch ReportCompare
PMV CONCEPTActiveChecked score 54/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201NACE 45211
1 site
Size
€21,630total assets 2025
Equity
-€120,816
Profit
€4,092
Turnover not published (abridged schema)
Financial health
54 Fair Checked score 2025
Bankruptcy chance 12 m
0.9%
Structure
Parent
MONTI INVEST · 100%
Accounts filed 28 d late0 of 6 deeds read
Why 54Capped at 59: negative equity- Sector Construction of residential and non-residential buildings (NACE 41)- Negative equity -€120,816+ Size: total assets €21,630+ Founded in 1996Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 33% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -558.6% of total assets
Liquidity 7-18
short-term debt 198.5% · cash 5.5%
Profitability 92+91
return on assets 18.9%
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.7%▼ -2.3% vs 12-2024lowest value 02-2025: 0.7%● 0.0% vs 01-2025lowest value 03-2025: 0.7%▲ +0.9% vs 02-2025 04-2025: 0.7%▲ +6.8% vs 03-2025 05-2025: 0.7%▼ -2.6% vs 04-2025 06-2025: 0.7%▼ -0.7% vs 05-2025 07-2025: 0.9%▲ +30.6% vs 06-2025 08-2025: 1.3%▲ +40.0% vs 07-2025 09-2025: 1.2%▼ -5.1% vs 08-2025 10-2025: 1.2%● 0.0% vs 09-2025 11-2025: 1.2%● 0.0% vs 10-2025 12-2025: 1.2%● 0.0% vs 11-2025 01-2026: 1.2%▼ -1.0% vs 12-2025 02-2026: 1.2%● 0.0% vs 01-2026 03-2026: 1.2%▼ -0.2% vs 02-2026 04-2026: 1.3%▲ +2.9% vs 03-2026 05-2026: 1.2%▼ -1.8% vs 04-2026 06-2026: 1.2%▼ -0.2% vs 05-2026 07-2026: 1.5%▲ +21.1% vs 06-2026 08-2026: 1.9%▲ +29.6% vs 07-2026highest value 09-2026: 0.9%▼ -54.8% vs 08-2026 10-2026: 0.9%● 0.0% vs 09-2026
  • Size: total assets €21,630 lowers the probability for this profile
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Founded in 1996 lowers the probability for this profile
  • Negative equity -€120,816 raises the probability
No credit on open account
Liquidity short (current ratio 0.47 against 0.47 in 2024; short-term debt: 198.5% and cash: 5.5% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 4%, liquidity 7%, profitability 77%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €21,630
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 1996
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Negative equity -€120,816
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8982 sector peers (2025).
NBB · sector comparison
Position among 8982 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filings
Deviation from the deadline
2025
28 d late
2024
19 d late
2023
30 d late
2022
48 d early
2021
58 d early
2020
25 d early
2019
23 d early
← 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 11 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 19 August (4 of the last 5 filed years within 67 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €4,092
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€120,816 View
  • Caution: Among the weakest 5% on solvencysector median 43.5% · 8,982 companies -558.6% View
  • Controlled by MONTI INVEST 100% View

By topic

Financials

Fiscal year
2025
Total assets
€21,630
Profit
€4,092
Solvency
-558.6%
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 28-08-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 19-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
21-11-1996
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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