Turnover
≈ €940,000 estimated
The abbreviated format states no turnover.
PPS Express
Overview
Lifetime
1 annual account with figurespeak €107,911 (2025)
€107,911
peak €13,024 (2025)
€13,024
peak €58,024 (2025)
€58,024
€299,406
peak 1.6 FTE (2025)
1.6 FTE
Board1 name since 2025
1 directorSurer Pierre
Documentsfilings and deeds
30-09-202661 days late
2025abbreviated format
First year with figures
Key points
from the 2025 annual accountsDebts
€299,406 84% of the balance sheet
Financial debts 28%Suppliers 63%Taxes and wages 3%Other 6%
Of this, €216,189 falls due within a year.
Starting capital
€45,000 1,000 shares
2025 accounts filed 61 days after the deadline
Checked score
38
Weak
Financially stronger than 38% of micro companies in retail trade (NACE 47)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.8% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 1.8%lowest value
01-2026: 1.9%▲ +0.1 percentage points vs 12-2025
02-2026: 1.9%● unchanged vs 01-2026
03-2026: 2.3%▲ +0.4 percentage points vs 02-2026
04-2026: 2.3%● unchanged vs 03-2026
05-2026: 2.6%▲ +0.3 percentage points vs 04-2026
06-2026: 2.9%▲ +0.3 percentage points vs 05-2026
07-2026: 2.9%● unchanged vs 06-2026
08-2026: 2.8%▼ -0.1 percentage points vs 07-2026
09-2026: 2.8%● unchanged vs 08-2026
10-2026: 4.8%▲ +2.0 percentage points vs 09-2026highest value
11-2026: 4.8%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 0.89
Founded in 2024
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
Sector: Retail trade (NACE 47)
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 (NACE 47, micro). It does better than 32% of them on solvency, 34% on liquidity and 48% on profitability.
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 elevated class on 30-06-2025, 6.3% 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, 294 companies had the same profile as PPS Express has now. Each dot is one company, two years later.
95.6%
were still trading
2.0%
stopped another way
2.4%
went bankrupt
The bankruptcy probability of PPS Express itself is higher: 4.8% within 12 months. It rests on far more data about PPS Express 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 294 companies, not a prediction for PPS Express. 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
Credit of up to €2,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is insufficient, with a current ratio of 0.89, below 1. Short-term debt is 60.5% of total assets. 83.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
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 · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
SP
Surer Pierre
Director
- SÜRER Pierre 1,000 sharesdeed of 14-11-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016134584
Incorporation
Founding capital of €45,000, 1,000 shares · Founder: SÜRER Pierre (oprichter comparant) · published on 14-11-2024 · Gazette deed
First establishment
CF Express Steenokkerzeel, Fuérisonplaats 10, Steenokkerzeel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PPS Express Steenokkerzeel | €357,430 | €107,911 | 16.2% | 1.6 |
| Huarun Foods Leuven | €413,508 | €65,528 | 13.9% | 1.2 |
| PETRUS MARKET Tournai | €533,812 | €151,520 | 2.1% | 2 |
| A&J Retail Zelzate | €510,428 | €132,754 | 20.5% | 1.4 |
| CYA Express Sint-Pieters-Leeuw | €634,909 | €155,342 | 18.8% | 1.2 |
| EXPRESS GUMMARUS Antwerp | €596,970 | €162,243 | 15.4% | 2.2 |
| Prime Retail Investments Blankenberge | €727,340 | €156,056 | 1.7% | 1.9 |
These companies have the same main activity as PPS Express: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €414,000 and €727,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 12-11-2024Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Joint committee
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.366.068.7381820 Steenokkerzeel, since 12-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 11-09-2025
Annual accounts 2025
- €107,911
- €13,024
- €58,024
- €357,430
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 30-09-2026
Insights on PPS Express
The computed 12-month bankruptcy probability of PPS Express is 4.8% (elevated). The 2025 annual accounts show equity of €58,024 and a net result of €13,024.
Its solvency ranks better than 27% of 12,862 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 30-09-2026, 61 days late€107,911
€27,350
€13,024
-€24,377
16.2%
0.89
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €940,000. Estimated: probably between €710,000 and €1.3m.
Balance sheet
balance sheet total €357,430 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
16.2%
Higher than 27% of 12,862 companies in 2025.
0.89
Higher than 21% of 12,652 companies in 2025.
3.6%
Higher than 46% of 12,725 companies in 2025.
PPS Express
Middle half of the sector
80% of the sector
Abbreviated accounts in retail trade (NACE 47)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: bottom quarter · Staff: middle half
Staff
€27,665
Staff costs divided by the average number of full-time equivalents.
+2 people
people who joined
people who left
In 2025, 16 people joined and 14 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
357,430 | |
21/28 |
165,619 | |
22/27 |
164,119 | |
23 |
24,572 | |
24 |
29,371 | |
26 |
110,176 | |
28 |
1,500 | |
29/58 |
191,811 | |
3 |
95,075 | |
30/36 |
95,075 | |
40/41 |
3,441 | |
41 |
3,441 | |
50/53 |
88,013 | |
490/1 |
5,282 | |
| Balance sheet: equity and liabilities | ||
10/49 |
357,430 | |
10/15 |
58,024 | |
10/11 |
45,000 | |
14 |
13,024 | |
17/49 |
299,406 | |
17 |
83,217 | |
170/4 |
83,217 | |
42/48 |
216,189 | |
42 |
18,133 | |
44 |
189,596 | |
440/4 |
189,596 | |
45 |
8,460 | |
450/3 |
8,460 | |
| Income statement | ||
9900 |
107,911 | |
62 |
44,264 | |
630 |
33,262 | |
640/8 |
3,034 | |
9901 |
27,350 | |
75/76B |
218 | |
75 |
218 | |
65/66B |
11,366 | |
65 |
11,366 | |
9903 |
16,203 | |
67/77 |
3,178 | |
9904 |
13,024 | |
9905 |
13,024 | |
| Appropriation of the result | ||
9906 |
13,024 | |
| Social balance sheet | ||
9087 |
1.6 | |
Hours worked1013 |
3,651 | |
| Document | ||
The notes to these accounts have 15 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00549139.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-09-2026 | 2026-00549139 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 60,612 | ||
| 46,286 | ||
| 198,881 | ||
| -24,377 | ||
| 16.2% | ||
| 0.89 | ||
| 0.45 | ||
| 5.16 | ||
| 22.4% | ||
| 3.6% | ||
| 5.33 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 2 |
| part-time | 2 |
| in full-time equivalents | 0.8 |
| 1.6 | |
| Joined | 16 |
| Left | 14 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €196,187 |
| Intangible fixed assets | €1,194 |
| Financial fixed assets | €1,500 |
| €33,262 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on PPS Express
Debt's share of the balance-sheet total is 83.8%.
Board & ownership
Board
1 directorMandates through the years
1 name, the dashed line is todaySurer Pierre
Director
Director
Boardmandate already running before its first mention
Mandates as a list
- Surer Pierre
- Director, since before 31-12-2025
Control
Founder
SÜRER Pierre
This company
PPS Express
Equity €58,024
Profit €13,024 in 2025
Capital
- Contribution
- €45,000
- Shares
- 1,000
- Contribution per share
- €45
- Equity per share
- €58.02 in 2025
- Source
- deed of 14-11-2024
Articles of association
deed of 14-11-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
Shareholders
At incorporation
deed of 14-11-2024 ↗
- SÜRER Pierre 1,000 shares (100%) · €45,000 in cash
Network & group
No group
PPS Express has no parent and no holdings in its annual accounts. Surer Pierre is the only director. PPS Express shares no director with another company.
At the same address
Fuérisonplaats 10, 1820 Steenokkerzeel · 1 other company| IMPULS+
registered office since 29-08-2000 |
founded in 2000 0472.347.933 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBabbreviated format · 61 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016134584
2024
IncorporationFounding capital of €45,000, 1,000 shares · Founder: SÜRER Pierre (oprichter comparant) · published on 14-11-20242 points ▸
- Founder, SÜRER Pierre (oprichter comparant)
- Founding capital, €45,000, 1,000 shares
- The deed holds 6 more points.
First establishment CF Express Steenokkerzeel, Fuérisonplaats 10, Steenokkerzeel
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1016.134.584
- VAT number
- BE 1016.134.584
- Peppol ID
- 0208:1016134584
- Other Peppol ID
- 9925:BE1016134584
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-11-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 11-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- PPS Express in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 14-11-2024 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- PPS Expressdeed of 14-11-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 14-11-2024 (in Dutch)
Activities
NACEBEL 2025VAT activities
47110
Non-specialised retail sale with food, beverages or tobacco predominating main activity
Social security (RSZ) activities
47110
Non-specialised retail sale with food, beverages or tobacco predominating main activity
Joint committees annual accounts 2025
JC 201
Independent retail
Codes under NACEBEL 2008
VAT activities
47113
Retail trade main activity
Social security (RSZ) activities
47113
Retail trade main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “De groot- en kleinhandel,in- en uitvoer van algemene voedingswaren,vleeswaren,groenten en fruit,textielwaren,alcoholische en niet…”deed of 14-11-2024 (in Dutch)
7 activities
- De groot- en kleinhandel,in- en uitvoer van algemene voedingswaren,vleeswaren,groenten en fruit,textielwaren,alcoholische en niet alcoholische dranken,huishoudelijke artikelen,geschenkartikelen en parfumeriewaren,rookwaren,elektro-artikelen,onderhoudsproducten,schoeisels,schoonheidsproducten,drogisterijartikelen,speelgoed en verlichtingsartikelen,meubelen,en alles wat in de meest ruime zin hieronder begrepen kan worden.Deze opsomming is niet beperkend,doch enkel van aanwijzende aard.
- Tussenpersoon in de handel;
- De import en export,groothandel,transport over land,water of in de lucht van menigvuldige goederen;
- Verhuring van divers materiaal;
- Het ontwikkelen,kopen,verkopen,het in licentie geven van octrooien,exclusieve en andere rechten,knowhow en andere aanverwante immateriële vaste activa;
- Het werken in onder-aanneming binnen de sector;
- Het beheer van haar eigen vermogen zowel roerende en onroerende goederen daaronder verstaan het;ontlenen,verwerven,vervreemden,beheren,uitbaten,valoriseren,verkavelen,huren,verhuren,promoten,het doen bouwen of verbouwen evenals welke transacties van elke onroerende goederen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| CF Express Steenokkerzeel registered office Fuérisonplaats 10, 1820 Steenokkerzeel | 12-11-2024 | 2.366.068.738 | Retail with processing activity |
Buildings and parcels at the address
- Ground area
- 483 m²
- Buildings
- 343 m²
- Volume, LiDAR
- 1,711 m³
- Tallest building
- 9.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23081E0338/00T000 | 483 m² | 1 · 343 m² | 9.3 m · 2 |
Recognitions
Food safety, FASFC
1 siteSteenokkerzeelunit number 2.366.068.738
Dual-learning approval
3 live approvalsOnthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)