POINTALARM
ActiveSummary
POINTALARM has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €2k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 20% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability54▼-8
Solvency43▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.4 against 0.15 in 2024; short-term debt: 57.3% and cash: 1.6% of total assets), and 81.9% of the assets are financed with debt.
Credit check 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 · 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 · 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
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
18.1%
Return on assets
0.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 27965 sector peers (2025).
NBB · sector comparisonPosition among 27965 sector peers
Solvency
better than 20%
← 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 filingsDeviation from the deadline
2025
28 d late
2024
186 d late
2023
61 d late
2022
61 d late
2021
235 d late
2020
9 d late
2019
14 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 2.6%
2024 · €59k
2018: €44k
2019: €44k▼ -0.5% vs 2018lowest in 8 years
2020: €49k▲ +10.7% vs 2019
2021: €52k▲ +7.4% vs 2020
2022: €47k▼ -10.3% vs 2021
2023: €56k▲ +19.9% vs 2022
2024: €59k▲ +4.8% vs 2023
2025: €61k▲ +2.6% vs 2024highest in 8 years
2018 → 2025
Total assets
€334k▲ 19.7%
2024 · €279k
2018: €407khighest in 8 years
2019: €378k▼ -7.2% vs 2018
2020: €353k▼ -6.5% vs 2019
2021: €333k▼ -5.8% vs 2020
2022: €315k▼ -5.5% vs 2021
2023: €321k▲ +2.0% vs 2022
2024: €279k▼ -12.9% vs 2023lowest in 8 years
2025: €334k▲ +19.7% vs 2024
2018 → 2025
Net result
€2k▼ 44.0%
2024 · €3k
2018: €20khighest in 8 years
2019: €-206▼ -101% vs 2018
2020: €5k▲ +2388% vs 2019
2021: €4k▼ -23.7% vs 2020
2022: €-5k▼ -249% vs 2021lowest in 8 years
2023: €9k▲ +274% vs 2022
2024: €3k▼ -70.9% vs 2023
2025: €2k▼ -44.0% vs 2024
2018 → 2025
Working capital
€-115k▲ 0.9%
2024 · €-116k
2018: €-93k
2019: €-94k▼ -1.3% vs 2018
2020: €-83k▲ +12.0% vs 2019highest in 8 years
2021: €-111k▼ -34.8% vs 2020
2022: €-126k▼ -13.1% vs 2021lowest in 8 years
2023: €-114k▲ +9.7% vs 2022
2024: €-116k▼ -2.2% vs 2023
2025: €-115k▲ +0.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€47k▼ 10.3%€56k▲ 19.9%€59k▲ 4.8%€61k▲ 2.6%
2021: €52k
2022: €47k▼ -10.3% vs 2021lowest in 5 years
2023: €56k▲ +19.9% vs 2022
2024: €59k▲ +4.8% vs 2023
2025: €61k▲ +2.6% vs 2024highest in 5 years
Operating result€13k-€2k▼ 85.9%€21k▲ 1,048%€11k▼ 50.7%€9k▼ 12.5%
2021: €13k
2022: €2k▼ -85.9% vs 2021lowest in 5 years
2023: €21k▲ +1048% vs 2022highest in 5 years
2024: €11k▼ -50.7% vs 2023
2025: €9k▼ -12.5% vs 2024
Net result€4k-€-5k€9k€3k▼ 70.9%€2k▼ 44.0%
2021: €4k
2022: €-5k▼ -249% vs 2021lowest in 5 years
2023: €9k▲ +274% vs 2022highest in 5 years
2024: €3k▼ -70.9% vs 2023
2025: €2k▼ -44.0% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334k
Fixed assets
€258k ▼ 0.5%
Current assets
€76k ▲ 281%
Equity and liabilities €334k
Equity
€61k ▲ 2.6%
Debt
€274k ▲ 24.2%
Debt's share of the balance-sheet total rises from 78.8% to 81.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €29k
Cash flow
€22k▲
2024 · €21k
Current ratio
0.40▲
2024 · 0.15
Quick ratio
0.37▲
2024 · 0.07
Debt to equity
4.51▲
2024 · 3.73
ROE
2.5%▼
2024 · 4.6%
ROA
0.5%▼
2024 · 1.0%
Interest coverage
4.19▼
2024 · 4.99
Debt ≤ 1 year
€191k▲
2024 · €136k
Debt > 1 year
€82k▼
2024 · €84k
Income taxes
€584▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€279k€334k▲
Fixed assets21/28€259k€258k▼
Tangible fixed assets22/27€259k€258k▼
Land and buildings22€257k€241k▼
Plant, machinery and equipment23-€17k
Furniture and vehicles24€2k-
Current assets29/58€20k€76k▲
Stocks and contracts in progress3€10k€5k▼
Stocks30/36€10k€5k▼
Amounts receivable within one year40/41€5k€64k▲
Trade receivables40€3k€38k▲
Other amounts receivable41€2k€26k▲
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€640€1k▲
Equity and liabilities
Total equity and liabilities10/49€279k€334k▲
Equity10/15€59k€61k▲
Contributions10/11€6k€6k=
Reserves13€46k€46k=
Non-distributable reserves130/1€42k€42k=
Reserves not available under the articles1311€2k€2k=
Other1319€40k€40k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€7k€8k▲
Amounts payable17/49€220k€274k▲
Amounts payable after more than one year17€84k€82k▼
Financial debts170/4€84k€82k▼
Amounts payable within one year42/48€136k€191k▲
Current portion of amounts payable after more than one year42€23k€31k▲
Trade debts44€23k€38k▲
Suppliers440/4€23k€38k▲
Taxes, remuneration and social security45€8k€22k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9-€12k
Other amounts payable47/48€83k€100k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€21k▲
Other operating charges640/8€1k€8k▲
Non-recurring operating charges66A€16-
Gross operating margin9900€31k€38k▲
Operating profit (loss)9901€11k€9k▼
Financial income75/76B€7€12▲
Recurring financial income75€7€12▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€5k€2k▼
Income taxes67/77€2k€584▼
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€8k▲
Profit (loss) brought forward from the previous period14P€4k€7k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €9k | €-198 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €24k | €20k | €19k | €21k | ▲ 10.3% |
| Other operating charges640/8 | €4k | €6k | €9k | €1k | €8k | ▲ 592% |
| Non-recurring operating charges66A | €16 | €127 | €133 | €16 | - | - |
| Gross operating margin9900 | €42k | €32k | €50k | €31k | €38k | ▲ 25.8% |
| Operating profit (loss)9901 | €13k | €2k | €21k | €11k | €9k | ▼ 12.5% |
| Financial income75/76B | €57 | - | - | €7 | €12 | ▲ 76.4% |
| Recurring financial income75 | €57 | - | - | €7 | €12 | ▲ 76.4% |
| Financial charges65/66B | €7k | €6k | €7k | €6k | €7k | ▲ 21.6% |
| Recurring financial charges65 | €7k | €6k | €7k | €6k | €7k | ▲ 21.6% |
| Profit (loss) for the period before taxes9903 | €7k | €-4k | €14k | €5k | €2k | ▼ 55.0% |
| Income taxes67/77 | €3k | €1k | €5k | €2k | €584 | ▼ 70.3% |
| Profit (loss) for the period9904 | €4k | €-5k | €9k | €3k | €2k | ▼ 44.0% |
| Profit (loss) for the period to be appropriated9905 | €4k | €-5k | €9k | €3k | €2k | ▼ 44.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €333k | €315k | €321k | €279k | €334k | ▲ 19.7% |
| Fixed assets21/28 | €317k | €293k | €278k | €259k | €258k | ▼ 0.5% |
| Tangible fixed assets22/27 | €317k | €293k | €278k | €259k | €258k | ▼ 0.5% |
| Land and buildings22 | €306k | €286k | €274k | €257k | €241k | ▼ 6.4% |
| Plant, machinery and equipment23 | €2k | €44 | - | - | €17k | - |
| Furniture and vehicles24 | €9k | €7k | €4k | €2k | - | - |
| Current assets29/58 | €16k | €22k | €43k | €20k | €76k | ▲ 281% |
| Stocks and contracts in progress3 | €6k | €3k | €5k | €10k | €5k | ▼ 49.8% |
| Stocks30/36 | €6k | €3k | €5k | €10k | €5k | ▼ 49.8% |
| Amounts receivable within one year40/41 | €8k | €17k | €14k | €5k | €64k | ▲ 1,116% |
| Trade receivables40 | €6k | €13k | €12k | €3k | €38k | ▲ 1,188% |
| Other amounts receivable41 | €2k | €4k | €2k | €2k | €26k | ▲ 1,026% |
| Cash at bank and in hand54/58 | €511 | €950 | €23k | €4k | €5k | ▲ 45.3% |
| Deferred charges and accrued income490/1 | €1k | €187 | €286 | €640 | €1k | ▲ 117% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €333k | €315k | €321k | €279k | €334k | ▲ 19.7% |
| Equity10/15 | €52k | €47k | €56k | €59k | €61k | ▲ 2.6% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €46k | €46k | €46k | €46k | €46k | = |
| Non-distributable reserves130/1 | €42k | €42k | €42k | €42k | €42k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Other1319 | €40k | €40k | €40k | €40k | €40k | = |
| Distributable reserves133 | €4k | €4k | €4k | €4k | €4k | = |
| Profit (loss) carried forward14 | - | €-5k | €4k | €7k | €8k | ▲ 22.8% |
| Amounts payable17/49 | €281k | €268k | €264k | €220k | €274k | ▲ 24.2% |
| Amounts payable after more than one year17 | €153k | €120k | €108k | €84k | €82k | ▼ 2.1% |
| Financial debts170/4 | €153k | €120k | €108k | €84k | €82k | ▼ 2.1% |
| Amounts payable within one year42/48 | €128k | €148k | €156k | €136k | €191k | ▲ 40.5% |
| Current portion of amounts payable after more than one year42 | €23k | €33k | €23k | €23k | €31k | ▲ 32.3% |
| Trade debts44 | €9k | €12k | €34k | €23k | €38k | ▲ 68.9% |
| Suppliers440/4 | €9k | €12k | €34k | €23k | €38k | ▲ 68.9% |
| Advances received on contracts in progress46 | - | €5k | €5k | - | - | - |
| Taxes, remuneration and social security45 | €12k | €9k | €11k | €8k | €22k | ▲ 183% |
| Taxes450/3 | €10k | €9k | €11k | €8k | €10k | ▲ 24.9% |
| Remuneration and social security454/9 | €2k | - | - | - | €12k | - |
| Other amounts payable47/48 | €85k | €88k | €84k | €83k | €100k | ▲ 21.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €-5k | €9k | €3k | €2k | ▼ 44.0% |
| + Depreciation and write-downs630 | €16k | €24k | €20k | €19k | €21k | ▲ 10.3% |
| Operating cash flow (approximation) | €19k | €19k | €29k | €21k | €22k | ▲ 3.4% |
| Investment in fixed assets (approximation) | - | €0 | €-5k | €0 | €-19k | - |
| Change in cash | - | €439 | €22k | €-20k | €2k | ▲ 108% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 186 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 235 days late
2022
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
28-07
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 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.
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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, Courcelles · 1 establishment unit since 2006
Ground area
367 m²
Building footprint
87 m²
Volume, LiDAR
667 m³
Parcel 52064B0726/00G010, Wallonia · tallest building 8.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
POINTALARM
since 20062.151.359.535
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52064B0726/00G010 | Wallonia | 367 m² | 1 · 87 m² | 8.6 m · 3 fl. |
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.
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Of 22,815 companies in sector 43211 we hold annual accounts for 10,325. 8,702 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
Founded16-12-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
41001General construction of residential buildings
43240Other construction installation
43320Joinery installation
47540Retail sale of electrical household appliances
61100Wired, wireless and satellite telecommunications
Contact
Phone
0475/35.08.17Courcelles
Scores and ratios are computed by Checked and are not a credit decision.