Equity
-€102,302
Debts exceed assets in financial year 2025.
PMZ SRL
Lifetime
3 annual accounts with figures on one time axispeak €46,300 (2025)
€46,300▲ 9.1%
lowest -€59,713 (2023)
-€23,869▼ €2,400
peak -€56,963 (2023)
-€102,302▼ €23,869
€980,124▼ 0.7%
Board1 name since 2022
1 directorT.P MANAGEMENT
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Loss of €23,869Equity from -€78,432 to -€102,302Cash from €2,802 to €1,710
Key points
from the 2025 annual accountsLosses
-€105,052 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €190,000 estimated
The micro format states no turnover.
Debts
€980,124 112% of the balance sheet
Financial debts 66%Suppliers 0%Other 34%
Of this, €337,269 falls due within a year.
Filings
3 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Starting capital
€2,750
Checked score
51
Fair
Financially stronger than 16% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.5%
01-2025: 5.6%▲ +0.1 percentage points vs 12-2024
02-2025: 5.6%● unchanged vs 01-2025
03-2025: 5.6%● unchanged vs 02-2025
04-2025: 6.7%▲ +1.1 percentage points vs 03-2025
05-2025: 7.6%▲ +0.9 percentage points vs 04-2025
06-2025: 8.0%▲ +0.4 percentage points vs 05-2025
07-2025: 8.1%▲ +0.1 percentage points vs 06-2025
08-2025: 8.6%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 1.1%▼ -7.5 percentage points vs 08-2025
10-2025: 1.1%● unchanged vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.0%▼ -0.1 percentage points vs 12-2025
02-2026: 1.0%● unchanged vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026lowest value
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 1.1%▲ +0.1 percentage points vs 05-2026
07-2026: 1.1%● unchanged vs 06-2026
08-2026: 1.6%▲ +0.5 percentage points vs 07-2026
09-2026: 1.9%▲ +0.3 percentage points vs 08-2026
10-2026: 2.1%▲ +0.2 percentage points vs 09-2026
11-2026: 2.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.01, cash €1,710
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €877,823
No main activity registered
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 12% of them on solvency, 18% on liquidity, 20% on profitability and 14% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,251 companies had the same profile as PMZ SRL has now. Each dot stands for 4 companies, two years later.
96.6%
were still trading
2.1%
stopped another way
1.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PMZ SRL itself is higher: 2.1% within 12 months. It rests on far more data about PMZ SRL than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,251 companies, not a prediction for PMZ SRL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.01 (0.01 in 2024), below 1. Short-term debt is 38.4% and cash 0.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€102,302
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
61 days late
2024
2 days late
2023
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 31 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Wavre to Erpent
New registered office: Allée des alouettes 11 5101 Erpent · Previous registered office: Avenue des aubépines 10, 1301 Wavre · Board meeting of 05-06-2023 · Gazette deed
Incorporation
Founding capital of €2,750 · Founder: T.P Management · Appointment: T.P Management (director) · published on 13-01-2022 · Gazette deed
Official details
Source: KBO- Status
- Active since 11-01-2022Normal situation
- Activity
- “La société peut également se porter caution et consentir toute sûreté ou aider à…” (deed in French)From the articles, 8 activitiesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on PMZ SRL
PMZ SRL files the micro format. That format states no turnover. The gross margin rose from €10,045 in 2023 to €46,300 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PMZ SRL
- What is the company number of PMZ SRL?
- The company number of PMZ SRL is 0779.961.855. The VAT number is the same number with BE in front: BE 0779.961.855.
- Where is PMZ SRL based?
- The registered office is at Allée des Alouettes 11, 5101 Namur.Company details
- What is the legal form of PMZ SRL?
- PMZ SRL is a private limited company (BV).
- When was PMZ SRL founded?
- PMZ SRL was founded on 11-01-2022.
- Is PMZ SRL still active?
- Yes, PMZ SRL is an active enterprise in the KBO register.
- What is the turnover of PMZ SRL?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €46,300 and 2,936 comparable companies of the same size. It probably lies between €110,000 and €340,000. It is a rough estimate. In financial year 2023 turnover was €42,832.Financials
- Is PMZ SRL profitable?
- In financial year 2025, PMZ SRL made a loss of €23,869.
- Where can I find the annual accounts of PMZ SRL?
- PMZ SRL filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PMZ SRL due?
- PMZ SRL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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